We are 2ufi

Built for Small Business.
Backed by Real Banking.

It's pronounced Two • You • Fi (too-yoo-fye)

Whether you're looking to earn more on your business cash, streamline daily banking, or access working capital, 2UFi gives you the tools to help move your business forward.

About us. Digital business banking.
Real banking strength.

2UFi helps small business owners earn more on their cash, manage money with confidence, and access working capital when they need it. We're backed by 2UniFi Bank, Member FDIC, and the strength of National Bank Holdings Corporation (NYSE: NBHC), a banking organization with more than $12 billion in assets.

Modern tools. Trusted banking. Built for small business.
One login instead of five

Most small businesses don't have a bank.
They have five.

You don't have a bank.
You have five logins.

A bank, a savings app, a card program, a payment app, a lender — each one made sense the day you added it. None of them talk to each other, so you hold it together with a spreadsheet.

What’s on your phone now

Your Bank

A card program

A lender

Savings app

A payment app

A spreadsheet

What replaces it

One app. A chartered bank behind it.

  • Spend — $0 monthly fee
  • Earn — 5.00% APY on the first $10,000, in the business's name
  • Assign cards — one per person, own limit
  • Pay and get paid — bills, payroll, invoices
  • Borrow — SBA 7(a) up to $350,000, approved in-house

Switch to 2UFi. One login instead of five.

  • Your bank — balances and transfers

  • A savings app — where the yield is

  • A card program — cards for the team

  • A payment app — invoices out, bills paid

  • A lender — when you need capital

2U

One 2UFi loginEvery account, in the business's name.

  • Spend — $0 monthly fee, no minimum balance

  • Earn — 5.00% APY1 on the first $10,000

  • Assign cards — one per person, limits you set

  • Pay and get paid — bills, payroll, invoices

  • Borrow — an SBA 7(a) application, pre-filled

Ditch the spreadsheet.
Switch to 2UFi. One login instead of five.

Why business owners trust 2UFi

Modern on the front end.
Our own chartered bank underneath.

  • Bank, save, and access capital all-in-one place
  • Deposits held at 2UniFi Bank, Member FDIC
  • Backed by National Bank Holdings Corporation with over $12 billion in assets
  • Designed specifically for business owners

Your deposits are held at a chartered bank

Held directly at 2UniFi Bank, Member FDIC, and insured to applicable limits — not placed across a network of third-party banks.

The same team takes your deposit and approves your loan

SBA 7(a) Small Loans up to $350,000, approved in-house by our own credit team.
Why Business Owners Choose 2UFi

Invest in your growth.
The 2UFi Way.

Put idle cash to work, simplify money management, and access capital faster—all from one place.

Earn More

  • Earn up to 5.00% APY¹ on every dollar up to $10,000
  • Interest earned daily

Save on Fees

  • No monthly fees
  • No overdraft fees

Access Capital Faster

  • SBA working capital loans
  • Funding in days, not months

Digital Account

  • Mobile deposit
  • Bill pay
  • ACH and wire transfers
  • Debit card controls

In business for less than a year?

Open your account now. Banking works from day one — and by the time you're eligible to apply, your Passport means the application shows up already filled in.
Where we're open

Open in 49 states.

Worth knowing before you start an application.

Open today — 47 states

If your business is registered in one of these states, you can open an account in about ten minutes.

Coming soon — Maryland, Vermont

We'll email you the day your state opens. One email, then nothing.

Not available — New Mexico

We're not able to open accounts in New Mexico, and we don't have a date to give you.

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Nationwide coverage

Available in 49 states, DC,
and U.S. territories.

We support small businesses across the United States, Puerto Rico, and the U.S. Virgin Islands. New Mexico is coming soon.

Select a state to check availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming District of Columbia Washington, DC

Available Coming soon (New Mexico)

Also serving U.S. territories

PRPuerto Rico VIU.S. Virgin Islands

Backed by a Family of Trusted Banks

2UFi and 2UniFi Bank are wholly owned subsidiaries of National Bank Holdings Corporation (NYSE: NBHC), a bank holding company serving businesses and communities across the country. Our banking family includes:

When you call, someone picks up.

Monday–Friday, 8 a.m.–5 p.m. Central Time. Phone, chat, or email — no ticket number, and not a chatbot that escalates to a form.

Bank with confidence.

Open your 2UFi Business Spending in minutes. No monthly fees. Zero complexity. Get started today.

Open Account

Stay connected.

2UFi will occasionally send you emails with offers, news, and promotions.

Open Account

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