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.

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

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, 2.00% APY¹ above
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 5.00% APY¹ on your first $10,000 and 2.00% APY¹ above
Interest credited 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.

Nationwide coverage

Available in 49 states and DC.

We support small businesses across the United States.
New Mexico is coming soon.

Select a state to check availability

Available Coming soon (New Mexico)

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: