UFB Direct® vs BenefitProof

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 © 2025 UFB Direct, All Rights Reserved Bank products and services are offered by Axos Bank®. 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

Not sure if a receipt has what you need for an HSA or FSA reimbursement? BenefitProof helps you check medical expense documents before you submit them, understand what may be missing, organize expenses for your family, and create a clean PDF to send to your benefits provider. SCAN RECEIPTS AND DOCUMENTS Take a photo or import a receipt, invoice, explanation of benefits (EOB), or other medical expense document. BenefitProof reviews the information it can find and helps you spot missing details before submission. CHECK YOUR DOCUMENTATION See whether your documents contain the key information typically needed for an HSA or FSA expense, including details such as the provider, patient, date, service, and amount. When something appears to be missing, BenefitProof explains what to look for so you can correct the documentation before sending it to your benefits provider. CHECK HSA & FSA ELIGIBILITY Get guidance on whether an expense appears eligible for reimbursement from a Health Savings Account (HSA) or Flexible Spending Account (FSA). BenefitProof helps make confusing medical-expense paperwork easier to understand, while leaving the final reimbursement decision with your benefits provider. CREATE A SUBMISSION PDF Combine the documents for an expense into one organized PDF that is easy to review, save, and share. BenefitProof prepares your paperwork—it does not submit claims on your behalf. TRACK EXPENSES AND REIMBURSEMENTS Keep your family's medical expenses organized and track where each one stands: • Ready • Submitted • Needs Info • Rejected • Approved or Paid See what has been submitted, what still needs attention, and what has already been reimbursed. MADE FOR REAL FAMILY PAPERWORK Keep expenses organized by person so receipts for you, your spouse, children, or other family members don't become one more pile of medical paperwork to sort through later. Whether you're dealing with a doctor's bill, dental receipt, prescription expense, vision care, or another HSA/FSA medical expense, BenefitProof gives you one place to check the documentation and keep track of what happens next. CLEAR, PRIVATE, PRACTICAL BenefitProof is designed to make HSA and FSA paperwork easier to manage without pretending the process is simpler than it is. BenefitProof provides organizational and informational assistance. Eligibility and reimbursement decisions are ultimately made by your HSA/FSA plan or benefits provider.