I would avoid doing business with UFB Direct (Axos Bank). They're currently offering the (or at least one of) highest savings APY available at 3.85%. However, the process to view terms before applying, apply, and then access the account was problematic with red flags everywhere. Luckily I opted not to fund the account when applying because I would not feel comfortable having my money there. Rather than jumps through the hoops they asked me to when I requested that they close my account, I am just going to let it delete itself after the funding period expires. I'm actually nervous about them having as much personal information as they do after giving it to them during the opening process. Avoid this bank! The extra 0.35-0.85% rate over much more reputable banks is simply not worth it for me.