2UniFi
2UFi is a digital-first business banking platform launched in 2025 that provides US small businesses with a no-fee checking account, 4.00% APY savings with automatic nightly sweeps, Visa debit cards, and SBA 7(a) loans up to $50,000, all backed by Bank of Jackson Hole Trust under NBHC.
- Company typePrivate
- Founded2025
- HeadquartersGreenwood Village, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What 2UniFi does
2UFi, legally 2UniFi, LLC, is a digital-first business banking platform that launched in 2025 as a wholly-owned subsidiary of NBH Bank, itself a subsidiary of National Bank Holdings Corporation (NBHC). All banking products are issued and serviced through Bank of Jackson Hole Trust, Member FDIC, giving 2UFi a fully chartered banking back-end rather than a Banking-as-a-Service arrangement. The company targets US-based small businesses and solopreneurs — explicitly calling out general contractors, restaurant owners, and retail shop owners as use-case archetypes — and onboards customers entirely through a self-serve mobile app (iOS and Android) and a web platform at app.2ufi.com, with no physical branches.
The core product suite bundles a Business Spending (checking) account, a Business Savings account paying 4.00% APY on balances above $5,000 via an automatic nightly sweep and morning return, a Visa Business Debit Card with per-card spending controls, money movement (next-day and same-day ACH, $10 domestic wires, mobile check deposit, bill pay), and SBA 7(a) working capital loans up to $50,000 with in-house approval through Bank of Jackson Hole Trust's SBA Preferred Lender status. The 2UFi Passport module adds digital identity and document management (EIN, formation documents, licenses, external bank account linking, team management), and a Business Insights Dashboard provides cash-flow visualization. All product surfaces are wrapped in two-factor authentication, FDIC deposit coverage through the issuing bank, and encryption noted as "leading."
Revenue mechanics are diversified across multiple small streams: debit card interchange on Visa-network spend (cards issued by Bank of Jackson Hole Trust), $10 domestic wire fees, $2 same-day ACH fees, and a $4 fee per physical card that is reimbursed once activated and used twice within 60 days. Distribution is purely digital and product-led, with content marketing (2UFi Insights blog), email newsletters, social media, and app-store listings as the primary funnel. The platform is currently US-only and offers no disclosed API, developer SDK, or third-party integrations, leaving all interactions within the 2UFi-owned app and web experience.
2UniFi firmographics
Firmographics- Name
- 2UniFi
- Legal name
- 2UniFi, LLC
- Website
- https://2ufi.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- 2UFi is a digital-first business banking platform launched in 2025 that provides US small businesses with a no-fee checking account, 4.00% APY savings with automatic nightly sweeps, Visa debit cards, and SBA 7(a) loans up to $50,000, all backed by Bank of Jackson Hole Trust under NBHC.
- Ownership category
- akta.pro rank
Where 2UniFi is headquartered
LocationHeadquarters
- HQ city
- Greenwood Village
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
2UniFi business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Debit Card Interchange: Revenue generated from Visa Business Debit Card transactions. Cards are issued by Bank of Jackson Hole Trust.
- Wire Transfer Fees: $10 fee for domestic wire transfers. Originated through the app without branch visit.
- Same-Day ACH Fees: $2 fee per same-day ACH transfer for faster payment processing.
- Physical Card Fees: $4.00 fee per physical Visa Business Debit Card, reimbursed when activated and used twice within 60 days.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Business Spending (Checking) Account - No monthly fees, unlimited transactions |
| Subscription | Monthly | Business Savings - 4.00% APY automated savings |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfers - $10 domestic wire |
| Transaction based/ take rate | Pay-as-you-go | Same-Day ACH - $2 per transfer |
| Unit Pricing | One time/ perpetual license | Visa Business Debit Card - $4.00 per card |
| Other | Multi-year contract | SBA 7(a) Small Loan - Up to $50,000 |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
2UniFi product offering
Product offeringCore offering
2UFi is a digital-first business banking platform that provides US small businesses with a no-fee Business Spending (checking) account, a high-yield Business Savings account with automatic nightly sweep at 4.00% APY, Money Movement services (ACH, wires, mobile check deposit, bill pay), a Visa Business Debit Card with real-time controls, and SBA 7(a) small loans up to $50,000. Banking products are issued by Bank of Jackson Hole Trust, Member FDIC, with 2UFi operating as the digital front-end and a wholly owned subsidiary of NBH Bank under National Bank Holdings Corporation.
Product overview
2UFi is a financial technology company offering a unified digital business banking platform called the 2UFi Business Suite. The core offering combines a Business Spending (checking) account with a high-yield Business Savings account featuring automatic nightly sweep (4.00% APY). Supporting features include Money Movement (ACH, wire, mobile deposit, bill pay), a Visa Business Debit Card with per-card spending controls and team management, and SBA 7(a) small loans up to $50,000. The 2UFi Passport serves as a document management hub. All banking services are provided by Bank of Jackson Hole Trust, Member FDIC.
Differentiator
Problem solved
Functional benefit
Brands
- 2UFi Business Suite: A modern business account bundling a spending (checking) account with a business savings account, offering no monthly fees, no minimum balance, and 4.00% APY savings.
- 2UFi Visa Business Debit Card
Products and services
- 2UFi Business Suite Bundled business account combining a Business Spending (checking) account with a high-yield Business Savings account, offering no monthly fees, no minimum balance, and a 4.00% APY savings rate via nightly automatic sweep of balances above $5,000. Targeted at US small business owners.
- Business Spending (Checking) Account Digital-first business checking account with unlimited transactions, no monthly fees, no minimum balance, and no branch visits. Supports ACH transfers (next-day free, same-day $2), domestic wire transfers ($10), external transfers, mobile check deposit, bill pay, and Visa Business Debit Card transactions. For US-based small businesses.
- Business Savings Account High-yield business savings account offering 4.00% APY on balances above $5,000. Funds are automatically swept from the spending account each night and returned each morning, requiring no manual setup. Deposits held at Bank of Jackson Hole Trust, Member FDIC. For US small businesses seeking to earn yield on idle operating cash.
- Money Movement Digital money movement services including next-day ACH (free), same-day ACH ($2), domestic wire transfers ($10), external transfers between banks, mobile check deposit, and bill pay. All transactions originated from the mobile app or web platform without branch visits. Available to 2UFi small business account holders.
- Visa Business Debit Card Physical Visa Business Debit Card issued to team members with individual spending and cash limits controllable through the mobile app. Cards can be locked, unlocked, or cancelled instantly. $4.00 fee per card, fully reimbursed upon activation and at least two uses within 60 days. Cards are issued by Bank of Jackson Hole Trust.
- SBA 7(a) Small Loan SBA 7(a)-backed working capital loan up to $50,000 for small businesses, with free application, no collateral required, in-house approval (Bank of Jackson Hole Trust is an SBA Preferred Lender), and funds available in as few as 5 business days. Used for payroll, rent, utilities, marketing, and other operating expenses. Applicants must be US-based, for-profit, with 680+ credit score, SBSS 165+, and at least one year in business.
Quantifiable outcome
- 4.00% APY on business savings vs 0.07% national average for business checking
- +3 more outcomes
Companies that use 2UniFi
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles2 records
2UniFi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
2UniFi partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- U.S. Small Business Administration (SBA)coreGovernment agency providing SBA 7(a) loan program. Bank of Jackson Hole Trust is SBA Preferred Lender. 2UFi facilitates SBA 7(a) small loans up to $50,000 for working capital through this partnership.
- Visa U.S.A. Inc.coreLicensor for Visa Business Debit Cards issued by Bank of Jackson Hole Trust. Cards enabled through Visa network for purchases and ATM withdrawals.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
2UniFi competitors and assessment
Company assessmentDirect peers
- Found: Found is a digital banking platform built for self-employed individuals and small businesses, offering tax tools and bookkeeping alongside checking — directly overlapping with 2UFi's solopreneur and SMB target segments.
- NorthOne: NorthOne is a digital-first SMB banking platform with checking, savings, and integrations — a direct competitor targeting the same small business owner segment with the same digital-first value proposition.
- Mercury: Mercury provides digital business banking with checking, savings, and treasury management; competes for SMB and early-stage business customers with a similar digital-first UX, though skews more startup-focused.
- Novo: Novo offers digital business checking for SMBs and solopreneurs with built-in invoicing and integrations, directly competing with 2UFi's deposit-focused value proposition for the small business segment.
- Relay Financial: Relay offers digital business banking for SMBs with checking, savings, and bill pay — a near-exact product analog to 2UFi's Business Suite, and a direct competitor for the same small business owner ICP.
- Bluevine: Bluevine provides SMB checking accounts combined with working capital lines of credit, directly mirroring 2UFi's combination of banking and SBA lending for small businesses.
- Lili: Lili provides banking built specifically for freelancers and solo business owners, overlapping with 2UFi's solopreneur and small business segments with a similar fee-free value proposition.
Others
- Coastal Community Bank: Coastal Community Bank is a banking-as-a-service partner that provides infrastructure for many fintech companies; relevant as a comparator for the bank-partnership model 2UFi uses with Bank of Jackson Hole Trust.
Broad incumbents
- Brex: Brex offers corporate cards, banking, and expense management — a broader incumbent in the SMB/startup financial operating system space that competes with 2UFi's cards and banking offering.
Emerging players
- Live Oak Bank: Live Oak Bank is a leading SBA Preferred Lender specializing in small business lending; comparable to the SBA lending capability 2UFi offers through Bank of Jackson Hole Trust.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
2UniFi social profiles
Digital presence2UniFi financial estimates
Financial estimateRevenue estimate
Valuation estimate
2UniFi leadership team
Management profileNumber of profiles
2UniFi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
2UniFi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 2UniFi
What does 2UniFi do?
2UFi is a digital-first business banking platform that provides US small businesses with a no-fee Business Spending (checking) account, a high-yield Business Savings account with automatic nightly sweep at 4.00% APY, Money Movement services (ACH, wires, mobile check deposit, bill pay), a Visa Business Debit Card with real-time controls, and SBA 7(a) small loans up to $50,000. Banking products are issued by Bank of Jackson Hole Trust, Member FDIC, with 2UFi operating as the digital front-end and a wholly owned subsidiary of NBH Bank under National Bank Holdings Corporation.
Is 2UniFi a public or private company?
2UniFi is a private company. It is classified as corporate owned and is currently operating.
When was 2UniFi founded?
2UniFi was founded in 2025. It employs 51 to 100 people.
Where is 2UniFi based?
2UniFi is headquartered in Greenwood Village, United States, in the North America region.
How does 2UniFi make money?
Four revenue lines are on record. Debit Card Interchange is the primary driver. The others are wire Transfer Fees, same-Day ACH Fees and physical Card Fees.
Who are 2UniFi's main competitors?
Direct peers on record are Found, NorthOne, Mercury, Novo, Relay Financial, Bluevine and Lili. Coastal Community Bank is listed as an others. Brex is listed as a broad incumbent. Live Oak Bank is listed as an emerging player.
Does 2UniFi have an API?
No public API is recorded for 2UniFi.