UFB Direct Savings Exclusive Offer: $100 Bonus + 5.25% APY

Here’s your opportunity to earn a $100 bonus exclusively from The Money Ninja when you open a new UFB Secure Savings account. This high-yield savings account features an exceptional rate of 5.25% APY for any balance, and has no minimum balance requirement or monthly service fees to worry about.

Full details of this exclusive promotion below.

For more current bank offers, see our bank bonuses page. The most popular offers are from Chase BankSoFi, KeyBank, and Axos Bank.

2024 Promotion Status: Bonus is currently active, however, due to extremely high demand, accounts opened will now require the minimum funding amount to be maintained for at least 30 days.

This post may contain affiliate links, meaning I get a commission at no cost to you if you decide to make a purchase through my links. Visit this page for more information. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Exclusive $100 UFB Savings Account Bonus

After all the money spent during the holidays, I wanted to reward people for saving money too. So, I’m excited to announce that The Money Ninja has partnered with UFB Direct, a division of Axos Bank, to offer you an exclusive bonus.

You’ll receive a $100 Amazon.com gift card when you open a UFB Secure Savings account and fund it with a total of $30,000 or more within the first 30 days of account opening and maintain the balance for 30 days. To take advantage of this nationwide offer, add your email address to the end of the link below and use the full link to open the UFB savings account:

  • https://click.linksynergy.com/fs-bin/click?id=BumCwM6Bi5I&offerid=1298838.170&type=3&subid=0&u1=

For example, if your email address is johndoe@gmail.com, you would copy and paste the following link to your web browser to open an account:

  • https://click.linksynergy.com/fs-bin/click?id=BumCwM6Bi5I&offerid=1298838.170&type=3&subid=0&u1=johndoe@gmail.com

Once opened, deposit at least $30,000 within 30 days of account opening and maintain the balance for 30 days, and we’ll send a $100 Amazon.com gift card to your email address within 60 days of meeting those requirements.

We will only use your email address to track the account opening and funding status, and to send you the Amazon gift card electronically. TheMoneyNinja.com won’t have any other information about you or your account beyond this.

Step-by-Step Directions to Earn the $100 Bonus:

  1. Append your email address at the end of the following sign-up link: https://click.linksynergy.com/fs-bin/click?id=BumCwM6Bi5I&offerid=1298838.170&type=3&subid=0&u1=
  2. Copy and paste the link that now includes your email address to a web browser and open a new UFB Secure Savings account.
  3. Deposit a total of at least $30,000 within 30 days of account opening.
  4. Maintain a balance of at least $30,000 for 30 calendar days.
  5. Receive an exclusive TheMoneyNinja.com reward within 60 days of meeting all requirements, in the form of a digital $100 Amazon.com gift card.

The Amazon.com gift card will be sent to your email address within 60 days of completing the offer, so please ensure that you have typed it in correctly. There will be no emails from us outside of sending the gift card. If there are any issues, please email us after the 60-day eligibility window.

Offer Details

Availability: Nationwide
Promotion Status: Active
Expiration: N/A
Household Limit: None
Direct Deposit Required: No
Deposit Required: $30,000 or more
Early Account Termination Fee: No, but bonus forfeited if account closed within 45 days of account opening

Offer Terms & Conditions (my lawyer made me do this):

  • Exclusive offer distributed by TheMoneyNinja.com, not by UFB Direct. All questions regarding reward redemption should be directed to support@themoneyninja.com.
  • Closing the account within 45 days will forfeit the bonus.
  • Bonus will be sent to the tracked email address within 60 days of completing offer requirements.
  • Must enroll in the offer by opening a UFB Secure Savings account directly through the offer link with your email appended at the end of the link. If you open your account by any other means, you will not be eligible to earn this exclusive offer.
  • Offer only valid to new UFB customers.
  • New customer must be approved by UFB Direct and the account must be funded with $30,000 or more to qualify. Accounts rejected by UFB Direct or not funded within 30 days of account opening will not be eligible for the offer.
  • Offer is only valid once per user.
  • TheMoneyNinja.com reserves the right to end the offer at any time and to, in its sole discretion, determine eligibility for this offer.

Frequently Asked Questions (FAQs)

I don’t see the offer mentioned on the UFB Direct website. Am I in the right place?

The $100 bonus offer is from TheMoneyNinja.com, it’s not reflected on the UFB Direct website. As long as you open your new account with the instruction provided in this post, then yes, you’re in the right place!

What promo code do I enter in the UFB Direct application?

There’s a text field on the UFB Direct application that allows you to enter a code, which can lead to some confusion. However, because the $100 is paid by TheMoneyNinja.com, no code needs to be entered.

Instead, follow the instructions in this post to create a link to open your new account and you’ll be automatically enrolled in the bonus offer.

I’m concerned about my privacy. What will you know about me?

Besides your email address and funding status to track your eligibility, TheMoneyNinja.com will not receive any other personal information about you.

Any personal information you share during account opening will be directly with UFB Direct, a division of Axos Bank. UFB Direct will verify to us that you’ve completed the steps to qualify for the bonus and nothing more.

When will I receive my bonus?

If you complete all the offer requirements, which means that you’ve opened a new UFB Secure Savings account, funded the account with at least $30,000 within 30 days of account opening, and maintained the balance of at least $30,000 for 30 calendar days, then you’ll receive the $100 bonus via the email address that you provided in creating your sign-up link within 60 days.

Please be aware that closing the account within 45 days of account opening will forfeit the bonus.

I’m already an Axos Bank customer, but new to UFB Direct. Do I still qualify for the offer?

Yes. While UFB Direct is a division of Axos Bank, opening a brand new UFB Secure Savings account will still qualify you for this bonus.

As a current Axos Bank customer, their website may direct you to the Axos login to streamline your process, but as long as your new UFB Direct account is approved, funded, and remains open for at least 45 days, you’ll receive the $100 bonus offer.

The Bottom Line

UFB Direct has consistently ranked at or near the top among banks that offer savings accounts with the highest yields. It’s one of the savings accounts I personally use to save money.

You can learn more about this account and my first-hand experience as a customer in this review. it’s a solid bank that I’ve been very happy to bank with, but it does have a couple of minor quirks: funds take a little longer to clear, and you need to occasionally chase rates when they update.

For full disclosure, although we have an affiliate relationship with Axos Bank/UFB Direct, they are not paying us anything extra to promote this. We are giving a significant part of our commissions back to our readers as a holiday thank you for your continued support.

While there were other sites that offered something similar in the past, to my knowledge, this is currently the only account opening bonus available for a UFB Direct Savings account.

About John Pham

John Pham is a personal finance expert, serial entrepreneur, and founder of The Money Ninja. He has also been fortunate enough to have appeared in the New York Times, Boston Globe, and U.S. News & World Report. John has a B.S. in Entrepreneurship and a Masters in Business Administration, both from the University of New Hampshire.

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Kelly
Kelly
2 months ago

My DP:
Opened Account: 2-1-24
Funded Account: 2-4-24
Received Bonus: 4-25-24

Mike
Mike
3 months ago

Account Opened = 1/30/2024
Deposit of $30K+ Completed = 2/10/2024
Bonus of $100 Received = 4/4/2024

No issues at all and the account has already earned several hundred dollars in interest at 5.25%. Actual APY was closer to 9% in a two-month period when you consider the $100 bonus.

Vamsi
Vamsi
3 months ago

Hi John is the $100 bonus still available?

J.L.
J.L.
5 months ago

Account Opened 12/6/2023
>$5000 Deposit Completed 12/13/2023
Deposit Amount >$5000 was maintained thru Day 21
60 Days Was Over on 2/11/2024

Why haven’t I received the $100 gift card? Please advise, John. Thanks.

J.L.
J.L.
5 months ago
Reply to  John Pham

Thanks for resolving the issue for me, John! Received the $100 gift card.

K. M.
K. M.
7 months ago

Just a heads up for those applying – I already have a UFB Savings account and the APY is 4.5%, not 5.25%.

Liz D.
Liz D.
7 months ago
Reply to  K. M.

No, it is 5.25%, you have an old rate. Call or chat with Axos and request they update your savings account to the current rate.

K. M.
K. M.
7 months ago
Reply to  Liz D.

Thank you for your advice, Liz. I’ve done so and the change has been made. Is this something I’m going to have to plan to do routinely throughout the life of the account? That seems a bit dodgy on the bank’s part if so…

RWTMN
RWTMN
7 months ago

H John,

3 family members are interested in bonus but wonder if the 1st 100 cut off is reached.

Do you have open spots?

Thanks for your reply!

Victor
Victor
7 months ago

If I put money into the new account and reached $5000 early, and then start spending some money from this account, so that on the 21th day of account opening my balance is less than $5000, do I still qualify for the bonus? Please clarify.

BTW in the FAQ section you wrote 10 days instead which should be corrected.

Greg
Greg
7 months ago

Does this start EST or local time?

Alexander
Alexander
7 months ago

John, I noticed they have a money market account at 5.25% interest too. Do you know if it’s possible to use the money market account as a primary checking account similar to a Fidelity CMA?

Wayne
Wayne
7 months ago

Long overdue data point for those who are participating in the current promotion:

8/14/23: Applied for a UFB Savings account late in the evening.
8/15/23: Received email that my account has been approved.
8/15/23: Pushed a transfer from my Bank of America checking account to my new UFB Savings account.
8/18/23: Deposit cleared at UFB.
10/6/23: Received email from TMN with a link to redeem $100 Visa GC.

I’m happy with how it worked out and the rates have been adjusted once already to remain at the top of the rates chart.

Alexander
Alexander
7 months ago

It’s been a week and the transfer is still pending. This is not a bank for those who need to move money around quickly lol

Derek Jang
Derek Jang
8 months ago

Hi John,

I just want to ensure that i was included with the 100$ signup.

I created the application before the cutoff and the account was funded today.

Thanks

Derek
Derek
8 months ago
Reply to  John Pham

Awesome, thanks John.

Alec
Alec
8 months ago

Bizarre it doesn’t even reflect the transfers anywhere after you initiate them, or at least it didn’t for me.

Nelli
Nelli
8 months ago

Hello John, are you able to see my email in the system/will I be eligible for the offer?

Thank you!

Nelli
Nelli
8 months ago
Reply to  John Pham

Thank you!

Eric
Eric
8 months ago

I had this page on my tab opened since yesterday and I was trying to sign up but it was having issues. I found out I just had to clear my cookies. I applied and refreshed this page and just saw the cutoff time. I just signed up about 30 mins after the cutoff time.

Would I still be eligible?

Eric
Eric
8 months ago
Reply to  John Pham

Thank you! Much appreciated!

Eric
Eric
7 months ago
Reply to  Eric

When will I get the bonus? I already funded the account

Mick
Mick
7 months ago
Reply to  Eric

He says it right in the post: “Receive an exclusive TheMoneyNinja.com reward within 60 days of meeting all requirements, in the form of a digital $100 Visa gift card.”

Art Krallman
Art Krallman
8 months ago

I’m in, deposit in process of transferring.

Alexander
Alexander
8 months ago

I applied just a few minutes ago – am I one of the first 100 applicants?

Alexander
Alexander
8 months ago
Reply to  John Pham

Great, thank you!

steve
steve
8 months ago

OK so a wire transfer is immediate and so is a ATM withdraw. So relax

von
von
8 months ago

I just signed up, thanks. 5 biz days for deposit to process is rough.

von
von
3 months ago
Reply to  John Pham

Hi John,
I had signed up before there was a deposit requirement but, I didn’t receive any gift card. I used the email from this comment. Please let me know if I should expect the bonus. Thanks