FAQs
About Jenius Bank
What is Jenius Bank?
How is Jenius Bank associated with SMBC?
What do you mean when you say you’re a digital bank? Is it the same as an online bank?
Will Jenius Bank have branches?
Where can I find the Jenius Bank mobile app?
Why is Jenius Bank spelled with a “J”?
Jenius.com takes me to a different bank. Is it affiliated with Jenius Bank?
Who can apply for a Jenius Bank product?
Personal Loans
What is a personal loan?
What can a personal loan be used for?
How much can I borrow?
What is the current rate for a Jenius Personal Loan?
How long will it take to receive my funds?
Does Jenius Bank charge fees for personal loans?
How does repaying a personal loan work?
Can I pay my Jenius Personal Loan off early?
How do I apply for a Jenius Personal Loan?
Does applying for a personal loan affect my credit score?
Will you charge late fees on your personal loans?
Can I make an early payment on my Jenius Personal Loan?
Savings
Is a Jenius Savings account a high-yield account?
How can Jenius Bank offer such great rates?
Are my savings protected at Jenius Bank?
How do I open a Jenius Savings account?
Is there a minimum balance to open an account or earn interest?
Are there any fees?
How do I deposit or withdrawal funds from my account?
How is interest calculated
What is the routing number for Jenius Bank?
What is the difference between APY and interest rate?
Will my Jenius Savings APY ever change?
What types of accounts does FDIC insurance cover?
Is there any catch to FDIC insurance?
Are all digital banks FDIC-insured?
Contacting Jenius Bank
How do I contact Jenius Bank for press inquiries?
How do I contact Customer Service?
What is your mailing address?
How do I submit an idea or suggestion to Jenius Bank?