4.20% APY Lets You Save Like a Jenius
FDIC insured, no fees or minimums, and 24/7 U.S.-based support. Learn what it means to bank smarter with a new kind of savings account that earns 10x the national average
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with a 4.20% APY2
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We’re Different...
We Listen
You told us what you wanted from a bank and those things became our building blocks:
- Better rates on all your financial products.
- A big picture view — your money, from all sources, in one place.
- Insights that help you spend and save smarter.
- Help from humans when you need it.
Jenius Personal Loans
Smart Banking.
Richer Life.
There’s nothing smart about sticking with a bank that gives you less. But switching to a bank that let’s you save thousands
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on high-rate debt, that’s a Jenius move. So say “hello” to a new kind of personal loan – with low rates, no fees, and quick access to funds, it may be just what you need.
Opinions You Can Trust
Don’t just take our word for it! Jenius Bank has been recognized
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as a top digital bank by industry leaders, including Bankrate, GOBankingRates, and The Digital Banker.- Best Newcomer Bank
- Best High-Yield Savings Account
- Best Savings Product
- Best Lending Product
Take Control of Your Finances
Bank Smarter with Personalized Insights
Take the guesswork out of managing your money. See all your accounts, track spending, and plan for bills – when you have an account with Jenius Bank.
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.” Visit American Banker>
Don’t Like Fees? Us Either.
Other banks charge fees that you never anticipated. That's just not in our DNA. With a Jenius Personal Loan and Jenius Savings account, you'll never pay a fee for any reason.
Help From Humans
Technology can be great. But it shouldn't go so far, you can't get a hold of a real person when you need one. That's why Jenius Bank™ puts its number right on the homepage. Call us at to access our 24/7, U.S.-based, first-class, customer support.
