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The Banking Ecosystem We’ve Always Dreamed Of

Credit unions and community banks have something big banks never will — a deep, genuine commitment to their communities. But for too long, they’ve been held back by outdated technology.

At Bankjoy, we’re changing that. Our modern digital banking solutions empower these institutions to thrive — enhancing everyday experiences for members while helping them stay true to their mission of community connection and service.

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63

Client Institutions

1M+

Members served

120+

Integrations

4.8

User App Rating

Our Vision

To provide technology that enables more people to achieve financial wellness and live more fulfilling lives.

Our Story

2014 - 2019
2020 - 2024
2025 - Now

2014

The Search for a Solution That Didn’t Exist

Credit unions and community banks were losing younger members to megabanks—not because of rates or service, but because their mobile banking experiences felt stuck in the past. Working at Michigan First Credit Union, our CEO Michael Duncan saw this firsthand—community FIs needed modern technology and best-in-class client service, but existing solutions weren't built for their unique needs.

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2017

Welcoming Our First Major Clients

Forward-thinking credit unions embraced our vision, with pioneering clients including One
Detroit CU, Coca-Cola FCU, Communitywide FCU, Georgia Heritage FCU, and Advantage Plus
FCU leading the digital transformation.

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2020

Series A to Accelerate Tech Innovation and Scale

With an expanded product lineup and rapid market traction, our clients became our investors.
Several clients joined our Series A alongside top-tier firms Bessemer Venture Partners and
SoftBank Vision Fund, making us a CUSO—owned by the community we serve.

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2023

Breaking New Ground

We reached $10M in annual revenue, launched next-generation online account opening as a
standalone solution, and pioneered vertical banking solutions starting with Panacea Financial
for healthcare professionals—demonstrating how our ecosystem helps clients go beyond
traditional boundaries.

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2025

Taking the “people helping people” advantage digital

Our clients told us they needed to digitize their biggest advantage: people helping people. We
launched JoyCompass, a financial wellness tool that brings the human touch to digital banking
with personalized financial guidance and actionable insights.

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2015

Y Combinator Becomes Our Launchpad

Seeing that nobody was solving this problem for community FIs, our co-founders Michael and Weiwei set out to change that. Y Combinator—the launchpad behind Airbnb, Dropbox, and Stripe—became our catalyst to build a modern, integrated banking platform designed specifically for community institutions.

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2019

Platform Breakthrough Fuels Rapid Growth

We evolved our product lineup into a unified digital banking ecosystem where every product,
from mobile banking to account opening, works seamlessly together, delivering an integrated
experience that rivals any megabank. The platform became a market hit as institutions could
offer their members a beautifully-designed and cohesive digital journey.

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2022

Serving an Underserved Sector: Business Owners

We launched comprehensive business banking features, making Bankjoy a complete
ecosystem that serves both consumers and small businesses.

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2024

Real-Time Fraud Prevention

As fraud tactics became more sophisticated, we launched FraudSense, a comprehensive,
real-time fraud prevention system built across our entire banking product suite. Within six
months, clients like Taunton FCU prevented significant fraud losses and saw an 80% reduction
in manual review time.

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Today

Today

Today, Bankjoy serves 80+ credit unions, community banks, and neo-banks. Our clients grow
membership 55% faster than competitors because we never stop innovating, with new releases
monthly.

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Our Awards

Finopotamus Awards 2023 Tekkie Awards
Fintech Sreak Through Award 2024
Finovate Awards 2024 Finalist

Leadership Team

Mike Duncan

Founder & CEO

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Weiwei Duncan

Founder & COO

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André Jones

SVP Growth & Client Success

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Joe Harte

VP of People & Talent

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Brent VanderMeide

Director of Platform

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Yanli Zhao

Director of Engineering

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Katie Meehan

Associate Director of Implemenetation

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Tarek Kawach

Technical Support Manager

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Megan Coupar Harris

Demand Generation Lead

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Joy

Mascot & Director of Joy

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Investors

Frequently Asked Questions

How long does it take to switch to Bankjoy for our digital banking?
How can I make sure my digital banking transition goes smoothly?
How can Bankjoy products help my community financial institution grow?
How can I learn more about what Bankjoy products are right for my institution?