Running a business means juggling a lot—sales, payroll, inventory, marketing—and while profitability is often the #1 goal, cash management tools can fall to the wayside. But what if your business checking account could work harder for you automatically?
That’s where the 2U Business Suite sweep account comes in.
What is a sweep account?
The 2U Business Suite sweep account is a type of bank account that automatically transfers excess funds (any cash left over after your operational expenses) from your business checking account into your interest-earning business savings account at the end of each business day. This helps you earn more on idle cash and maintain liquidity.
Think of it as a nightly housekeeping service for your money, tidying up your balances and putting extra cash to work while you sleep.
How sweep accounts work
Here’s a simple example:
If you have a balance of $15,000 in your business checking account, the excess funds over $5,000 are automatically swept into your business savings account. That means you’re earning interest on your idle $10,000 overnight. In the morning, we’ll sweep your funds back into your checking so your funds are ready for use that day.
It’s seamless, automated, and designed to help you get the most out of your money.
Why sweep accounts matter for small- and medium-sized businesses
Sweep accounts are powerful cash management tools for small- and medium-sized businesses, making every dollar works harder while reducing the manual work of moving money.
How 2UFi’s sweep account supports cash management
At 2UFi, we believe businesses of all sizes deserve the same financial tools as the big guys. That’s why we offer a sweep feature that automatically moves excess funds into savings every night, earning you 4.00% Annual Percentage Yield (APY)* overnight on balances exceeding $5,000.
It’s part of our commitment to help business owners grow with confidence, transparency, and smarter cash management. Ready to put your money to work? Download 2UFi from the app store and open a 2U Business Suite account to put your savings on autopilot.
*APY is accurate as of December 23, 2025. Rates are variable and subject to change without notice. APY is only applicable to the amount of funds transferred nightly and returned to spending account each morning. Only daily amounts in excess of $5,000 are eligible for transfer to savings.
2UniFi, LLC is a financial technology company, not a FDIC-insured bank. Banking and lending products and services are provided by Bank of Jackson Hole Trust, Member FDIC. Deposit insurance covers the failure of an insured bank.
