Start earning 5.25% APY today.
Start earning 5.25% APY today.
A Better Way to Save
A Better Way to Save
Transfer Money Simply
Withdraw and deposit money when you want. No need to visit a bank branch.
No Minimum Balance
Grow your savings on your terms. Open a Jenius Savings account with as little or as much as you want.
First-Class Customer Service
100% digital because you prefer it, 100% human when you want it. 24/7 access to our U.S.-based customer service online or by phone.
No Fees
Unlike other banks, you won’t pay any fees on your Jenius Savings account. Without fees, you may save even more.
24/7/365 Fraud Monitoring
Scammers don't stop and neither do we. We monitor against fraud day and night, all year.
Jenius Bank In The News
Jenius Bank In The News
See what everyone is saying about us.
The Wall Street Journal
"There may not be many all-digital, 100% cloud-based companies with roots dating back to the sixteenth century, but such is exactly the case for Jenius Bank." Visit the Wall Street Journal>
PYMNTS
“Jenius Bank has pledged that it won’t charge the 'punitive fees that most banks charge today,' and will minimize paper and manual processing." Visit PYMNTS>
American Banker
“Recently launched Jenius Bank has put some backward spin on the typical digital banking model.”
How Can We Offer Such Great Rates?
How Can We Offer Such Great Rates?
Jenius Bank offers market leading savings account rates, and deposits are FDIC insured. We focus on using advanced technology and first-class digital experiences to serve our customers instead of physical bank branches. This approach lowers overhead expenses and enables us to offer better rates and no fees, unlike traditional brick-and-mortar institutions. That’s Jenius!
New Digital Bank, Rich History
New Digital Bank, Rich History
Jenius Bank is proud to be the digital banking division of SMBC MANUBANK and a member of the SMBC Group. We have a startup mindset paired with SMBC Group’s 400 years of history, so we’ll be here to grow with you for the long term.
1590
1590
1673
1673
1962
1962
1981
1981
2001
2001
2023
2023
Fee-Free Savings
Fee-Free Savings
Unlike other banks, you won’t pay any fees on your Jenius Savings account. Without fees, you may save even more.
✔️NO Monthly Maintenance Fees ✔️NO Withdrawal Fees ✔️NO Inactivity Fees ✔️NO Overdraft Fees ✔️NO Account Opening Fees ✔️NO Account Closure Fees ✔️NO Excessive Transaction Fees
Information You Can Bank On
Information You Can Bank On
- Money ManagementSaving & Checking
Sinking Funds: What They Are and How They Could Help You
A sinking fund could help you achieve your savings goals for a major purchase or debt payoff. Check out some of the benefits.
Jenius Bank Team • 10/30/2023 - Saving & CheckingMoney Management
How to Choose the Right Savings Account
A savings account is a great place to help keep your money safe, whether it’s your emergency fund or cash you like to have on hand.
Jenius Bank Team • 6/8/2023 - Banking 101Financial Wellness
Jenius Bank vs a Neobank: How We’re Different
Your money is important to you, and where you choose to bank could impact your access to growth opportunities and even the security of your hard-earned savings.
Jenius Bank Team • 2/10/2023