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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

5.25% 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 11x the national average

with a 5.25% APY


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.

A parent pushing children in a moving box across a room.
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

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.

All Your Money, One Clear Picture

We're building tools that will pull all your finances together regardless of the bank. You'll see how all your money comes and goes with insights on what you might be missing, like budgeting or savings opportunities. Trade your old online banking for new financial confidence.

Jenius Bank In The News

See what everyone is saying about us.

  • Wall Street Journal Logo

    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 Logo


    “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 Logo

    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 844-453-6487 to access our 24/7, U.S.-based, first-class, customer support.