High
Performance
Banking.

One
Account

  • High-Yield Checking
  • Credit Card
  • Investing
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Deposit Interest

Everything you expect from a standard checking account but with savings levels of interest. No need to move money between accounts to optimize your deposit interest.

Cashback on Spend

Market-leading cashback on your online and in-app credit and debit spend, meaning you get an automatic discount every time you spend.

Invest Smarter

Passively invest with automatic dollar-cost averaging and grow your long-term assets in a highly diversified low-cost fund. And actively trade if you want to.

Make your money work for you — not the bank

Managing money is hard work. It's repetitive and boring. So, we automate the process to help maximize your passive income today. Build your long-term assets — effortlessly.

✓ We're offering an all-in-one solution: a checking account, a credit card and an investment platform
‍
✓ Unifimoney eliminates the hidden costs of banking and gives those savings back to you in higher interest, cashback and lower costs

✓ You get all the benefits with none of the effort

Deposit Interest

A true DDA checking account that pays savings-levels of interest. All your money should earn high interest all the time.

Learn about our High Interest Checking
Unifimoney app on iPhone
Unifimoney app on iPhone

Cashback on Spend

Get unlimited cashback on your online and in-app spend with instant digital issuance and Apple Pay.

Learn about our Unlimited Cashback Credit Card

Invest Smarter

Effortlessly create a long-term investment fund with the help of our low cost robo-investment platform. And take advantage of fee-free trading for passive net worth growth.

Learn about our Automated Money Management
Unifimoney app on iPhone

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Privacy PolicyTerms of ServiceOther Agreements & DisclosuresAccessibility Statement

Unifimoney, Inc. is not a bank. Bank deposit products provided by UMB Bank n.a., Member FDIC. To participate in the program, you must open an account at UMB Bank, through which your funds will be placed in accounts at participating program banks. The advertised interest rates are paid by participating program banks, not by UMB. Your funds will be FDIC insured up to applicable limits while in transit through UMB Bank. The information provided in your account application is being provided by you to UMB and Unifimoney simultaneously. Each of UMB and Unifimoney may use this information in accordance with its respective privacy policy. Upon acceptance of the application, an account will be opened with UMB Bank.The Unifimoney Visa Debit Card is issued by UMB Bank pursuant to a license from Visa Inc. and may be used everywhere Visa debit cards are accepted.
The Annual Percentage Yield (APY) as of 12/11/20 is 0.20% APY (0.20% interest rate). The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at our discretion at any time without notice.
FDIC insurance up to $250,000 (including principal & interest) per depositor per program bank. The insured amount increases up to $750,000 if the facilities at all three available program banks are being utilized. The cash balance you place through the program is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. If the number of program banks changes, the aggregate amount of available FDIC insurance could be higher or lower. If you have deposits at a program bank, you should consider electing not to use that bank by following the opt out instructions we provide. If you do so, the aggregate amount of FDIC insurance available to you will be lower. If you do not do so, your existing deposits and deposits through Unifimoney at that program bank will be combined for the purposes of FDIC coverage, which could result in some of your funds at that program bank being uninsured.
For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules.