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Smarter Banking, Richer Life

You deserve a full-service digital bank that can help you master your money and enrich your life — so we’re building one. That’s Jenius!

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Phone displaying Jenius Bank's mobile interface.

We're Different ... We Listen

You told us what you wanted from a bank and those things became our building blocks:

  • Better rates on loans, checking, and savings accounts.

  • 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.

Share Your Ideas
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Modern Money Solutions

Better online banking right at your fingertips — no-hassle loan applications, deposits secured by the FDIC¹ and an easy-to-use mobile app that helps you track everything.

  • Credit Card Illustration

    Checking

    • No hidden fees

    • 41K+ fee-free Allpoint® ATMs

    • 24/7 fraud monitoring

    • $0 Liability Protection²

  • Pig-shaped coin bank illustration

    Savings

    • Market-leading rates

    • No minimum balances

    • Easy-to-use interface & tools

    • Unlimited transfers

  • Coin with cent symbol illustration

    Personal Loans

    • Market-leading rates

    • No Fees. Period.

    • Achieve your financial goals

    • Quick access to funds

All Your Money, One Clear Picture

Smart online banking tools pull all your finances together regardless of the source. See how all your money comes and goes, plus insights on what you might be missing, like budgeting and saving opportunities.

Woman making a purchase with a tablet computer.

Don't Just Take Our Word for It

  • Having all of your accounts in one place makes it easier to keep an eye on everything.
    Dave B.
  • That little graph … that says what you spend on your home, food, and dining … I appreciate that.
    Amanda P.
  • I love that it shows your net worth and your credit score.
    Kelsey O.
  • This is more in depth than I even thought it would be. And I liked the spending trend area because I don't track that at all.
    Jennifer J.

Don’t Like Fees? Us Either.

There’s nothing smart about charging fees, so we don't. No fees for late payments, overdrafts or having an account. And you can access your money for free at Allpoint ATMs.

Speech bubble with a red line crossing out the word fees.

Help From Humans

Automated technology is great. But sometimes you just want to talk to a human. That's why we'll offer 24/7 access to our U.S.-based, first-class customer support team online or by phone, whenever you need it.

Customer service representative talking to a client using a headset.

Jeniuses Wanted

Be among the first to learn about our checking and savings account launches.

Join Our Waitlist