Fidelity (Brokerage Cash) vs UFB Direct
Head-to-head comparison of Fidelity Cash Management Account and UFB Secure Savings, updated daily.
UFB Direct currently wins on APY: 4.57% vs 4.05%
| Feature | Fidelity (Brokerage Cash)Updated 1d ago | UFB DirectUpdated 1d ago |
|---|---|---|
| APY | 4.05% | 4.57%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | Yes | Yes |
| Check writing | Yes★ | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.6 / 5★ | 4.0 / 5 |
Fidelity (Brokerage Cash) verdict
Fidelity's Cash Management Account is the cleanest "all-in-one" replacement for both checking and savings if you are willing to use a brokerage. The ATM fee reimbursement is industry-leading. Yield is slightly below the pure-play HYSAs but the convenience and integration usually justify it.
Read full Fidelity (Brokerage Cash) review →UFB Direct verdict
UFB Direct is one of the rate leaders and includes an ATM card, which is unusual. Our concern is customer service — UFB has had mixed reviews in third-party surveys. If you are confident you will not need much hand-holding, the math works in your favor.
Read full UFB Direct review →