UFB Direct®5.6.3

UFB Direct delivers smart personal and business finance on the go.

Bank, borrow, and plan on your terms. Link and manage accounts. Track savings. Access and move money with ACH direct deposit, mobile deposit, and money transfer. Plus, pay bills and monitor your credit score. It’s the way financial services should be.

MOVE MONEY & ACCESS FUNDS
It’s your money - use it. Add money and send it where it needs to go.
. Transfer money to accounts, friends, and others
. Mobile check deposit
. Early direct deposit
. One-time and recurring bill pay
. Credit score monitoring
. Wire transfers

MANAGE CHECKING AND SAVINGS ACCOUNTS
Make your money work. Open a digital bank account. Manage debit and ATM cards. Get account balance and other alerts.
. Accounts for all ages, from teens to adults and seniors
. Freedom Checking
. High Yield Portfolio Savings
. High Yield Portfolio Money Market
. Certificates of Deposit (CDs)

BORROW MONEY & MANAGE LOANS
Apply for a loan, track details, and pay loans.
. Mortgages for home purchase and refinance
. Personal loans for large expenses, home improvements, debt consolidation, and more
. Set up and edit scheduled payments
. Enroll in payment alerts

CREDIT SCORE MONITORING
Watch your credit and learn how it impacts finances.
. Free credit score
. Credit score change alerts
. Credit score history

PERSONAL FINANCE MANAGER
Connect bank accounts to track money and gain insights to help master finances.
. Account aggregator
. Spending tracker
. Saving & investing trends
. Debt tracker

(c) 2025 UFB Direct, All Rights Reserved

Bank products and services are offered by Axos Bank(R). All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice.

Axos Bank NMLS# 524995

Version History Add your UFB Direct debit card to Apple Wallet and view card details in the app.

• Add to Apple Wallet — provision your eligible debit card from the UFB Direct app without leaving the app.
• View card details — securely see your card information in the app when you need it.
• Bug fixes and improvements to keep banking smooth and reliable. 5.6.3 Sep 26 Bug fixes to enhance the user experience. 5.5.504 Aug 21 Bug fixes to enhance the user experience. 5.4.6 Aug 4 Bug fixes to enhance the user experience. 5.4.5 Jun 16 Bug fixes to enhance the user experience. 5.3.7 Mar 23 Bugfixes to enhance the user experience. 5.2.4 Feb 26 Bugfixes to enhance the user experience. 5.0.9 Jan 22 Bugfixes to enhance the user experience. 4.1.5 11/17/2025 The UFB Mobile App has been redesigned and updated to offer an improved, efficient user experience!
• All new interfaces to improve usability
• Credit Score Monitoring is now included
• Personalized product offers
• Faster load times and real-time updates
• Enhanced data security measures to protect your information
This also includes additional important fixes and performance optimizations to ensure a seamless experience. 4.1.2 10/20/2025 The latest UFB Direct mobile app update includes the following improvements and more:

- Improved verbiage in account aggregation flow for easier readability
- Transactions page and tile now default to last 30 days for displaying transactions
- Upgrades to enhance performance of mobile deposit
- Improved enrollment process for credit score monitoring
- Smoother application process for mortgage loans

This new version also includes bug fixes and performance enhancements to improve your in-app experience 4.0.32 08/14/2025 This new version also includes bug fixes and performance enhancements to improve your in-app experience 3.15.4 03/31/2025 This new version also includes bug fixes and performance enhancements to improve your in-app experience. 3.15.3 03/17/2025 This new version also includes bug fixes and performance enhancements to improve your in-app experience. 3.15.2 02/26/2025 This update includes the following improvements and more!
• We’ve made enhancements to the app infrastructure.
• New security updates ensure your data remains protected.
This new version also includes bug fixes and performance enhancements to improve your in-app experience. 3.14.1 08/27/2024 This update includes the following improvements and more!
• We’ve made enhancements to the app infrastructure.
• New security updates ensure your data remains protected.
This new version also includes bug fixes and performance enhancements to improve your in-app experience. 3.14.0 04/23/2024 This update includes the following improvements and more!
• We’ve made enhancements to the app infrastructure.
• New security updates ensure your data remains protected.
This new version also includes bug fixes and performance enhancements to improve your in-app experience. 3.13.0 01/09/2024 Bug fixes to improve the user experience. 3.12.0 08/13/2023 Bug fixes to improve the user experience. 3.11.0 07/13/2023 Bug fixes to improve the user experience. 3.10.0 07/05/2023 Bug fixes to improve the user experience. 3.9.0 06/28/2023 Bug fixes to improve the user experience. 3.8.3 04/11/2023 New enhancements and bug fixes to improve the user experience. 3.8.2 04/01/2023 New enhancements and minor bug solutions to improve the user experience 3.8.0 02/15/2023 New enhancements and minor bug solutions to improve the user experience. 3.7.0 11/19/2022 New enhancements and minor bug solutions to improve the user experience. 3.5.0 05/27/2022