Earn up to 4.21% APY with UFB Direct’s Freedom Checking & Portfolio Savings. Learn how to boost your savings, avoid fees, and maximize benefits with this combination.
Introduction: Maximize Your Savings & Checking
When it comes to saving and managing your money, UFB Direct’s Freedom Checking and Portfolio Savings accounts offer a compelling combination. If you’re looking for a way to earn better interest rates, avoid excessive fees, and enjoy more flexibility with your banking, you’re in the right place! I’ve been there—trying to balance between having enough in my checking account to cover daily expenses while also saving for the future. But when I stumbled upon UFB Direct, I realized just how easy it could be to have both without compromising.
By combining a Freedom Checking account with a Portfolio Savings account, you could unlock up to 4.21% APY**. That’s a pretty incredible return, considering the national average for savings accounts hovers far lower. Let’s dive into what these accounts can do for you, and why they might be the right choice for your financial future.
See our guide for more Axos Bank & UFB Direct offers, including bank bonuses offering cash just for signing up and completing simple requirements. Also, check out our curated list of the best checking & savings bonus offers here.
Key Takeaways
- Combine Freedom Checking and Portfolio Savings to earn up to 4.21% APY.
- No monthly maintenance fees and no minimum deposit required to open an account.
- Earn 2.00% APY on your checking account balance—25 times the national average.
- Instant transfers between accounts for hassle-free money management.
- Boost your savings with up to 0.20% additional APY through simple actions like setting up direct deposits and using your debit card.
Why Combine Freedom Checking & Portfolio Savings?
UFB Direct has taken a straightforward approach with their Freedom Checking and Portfolio Savings accounts. These two products are designed to work together, offering a seamless banking experience while maximizing your earnings potential.
Here’s the deal: the Freedom Checking account offers an impressive 2.00% APY on your checking balance. That’s 25 times higher than the national average! So if you’re someone who keeps a decent balance in your checking account, you can actually earn interest on that money.
When you combine this checking account with the Portfolio Savings account, you unlock even greater benefits. By meeting certain criteria, such as setting up direct deposits and maintaining a minimum balance, you can boost your savings APY by up to 0.20%, resulting in a potential 4.21% APY on your savings. That’s a substantial return, especially when you consider how many traditional savings accounts still offer minimal interest rates.
How to Boost Your Savings APY by Up to 0.20%
Want to get the most out of your Portfolio Savings account? It’s easier than you think! Here’s a breakdown of the simple steps to get your APY boost:
Step 1: Set Up Direct Deposits
First, you need to have $5,000 or more in direct deposits per month. This might sound like a lot, but think about your paycheck, social security, or other direct payments you might receive. Once you meet this requirement, you’ll earn your first 0.05% APY increase on your savings or money market account.
Step 2: Maintain a Minimum Balance
Next, if you can maintain a minimum balance of $10,000 in your Portfolio Savings account, you’ll unlock an additional 0.10% APY boost. This step might take some time if you’re starting from scratch, but if you can swing it, it’s a great way to grow your savings even faster.
Step 3: Use Your Debit Card
Finally, you can earn an additional 0.05% APY boost simply by using your UFB Direct Visa® Debit Card for 10 approved transactions per month. I know this can feel like a small ask, but you’d be surprised at how quickly 10 transactions can add up! Whether it’s for groceries, online shopping, or paying bills, every transaction counts.
[SIGN UP FOR UFB FREEDOM CHECKING & SAVINGS NOW]
UFB Direct Benefits: Convenience Meets Security
Now, let’s talk about some other amazing perks that come with banking at UFB Direct. First off, there are no monthly maintenance fees and no minimum deposit required to open an account. That’s a huge win—many other banks charge fees just for having an account open! Plus, FDIC insurance up to the maximum allowance limits gives you added peace of mind.
One of my favorite features is the instant transfers between your Freedom Checking and Portfolio Savings accounts. With these, managing your money is a breeze. You won’t have to worry about waiting days for funds to transfer between accounts—everything happens instantly.
Additionally, UFB Direct offers access to over 90,000 fee-free ATMs. No more hunting for the “free” ATMs that come with all sorts of inconvenient fees. You’ll have easy access to your cash wherever you are.
Trending Checking Account Deal:
Saving for Tomorrow: Building a Secure Financial Future
Let’s face it: saving money is tough. But UFB Direct’s combination of Freedom Checking and Portfolio Savings makes it easier—and even rewarding! Knowing that my money is working for me, even in my checking account, has made a world of difference. Plus, with rates like 4.21% APY, it’s hard not to feel secure about my financial future.
Whether you’re just starting your savings journey or you’re looking for a way to boost your returns, UFB Direct offers a simple, effective solution. These accounts help you build the savings you need while avoiding unnecessary fees and restrictions.
So why wait? Start by opening a Freedom Checking and Portfolio Savings bundle, and watch your money grow.
Our Take: Why You Should Give UFB Direct a Try
UFB Direct isn’t just another bank—it’s a tool to help you take control of your finances. The combination of Freedom Checking and Portfolio Savings offers impressive benefits with minimal effort. With no monthly maintenance fees, the potential to earn 4.21% APY, and hassle-free transfers, this is a win-win situation for any saver.
If you’re tired of your current bank’s low-interest rates and annoying fees, it might be time to make the switch. Combine the Freedom Checking with a Portfolio Savings account and start earning more today!
READ MORE: SEE THE BEST BANK BONUSES HERE
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