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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Current APY:
4.20%
Initial Deposit:
Monthly Contribution:
Period:
1 year
National Average for interest earned over your selected time period: $0.
Jenius Bank interest earned over your selected time period: $0.
For illustrative purposes only. An estimate of expected interest earned. Actual results may vary based on leap years, timing of deposits, rounding, variation in rates, and withdrawals made. Calculated values assume that principal and interest earned remain on deposit and are rounded to the nearest dollar. Variable Annual Percentage Yield (APY) as of 3/12/2025 and subject to change at any time. The national average rate is accurate as of 4/21/2025 from the FDIC National Rates and Rate Caps for Savings deposit products.
Make a Jenius Move

Start earning 4.20% APY today.

Our 4.20% APY
1
 high yield savings account is 10x the national average of 0.41% APY
2
, which means your savings could grow quicker.
  • FDIC insured deposits
  • Withdraw and deposit simply
  • Interest compounded daily
  • Help from humans 24/7
  • No fees or minimum balance requirements
Open Savings

A Better Way to Save

  • FDIC Insured

    Deposits are insured by the FDIC up to $250,000. So, you can feel confident your money is safe.

  • 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.

  • Mobile App

    View account balances and transfer money with the Jenius Bank Mobile app.
    3

  • No Fees

    Unlike other banks, you won’t pay any fees on your Jenius Savings account. Without fees, you may save even more.

  • Mobile Check Deposit

    Physical check in hand? Deposit today through our mobile app!

Opinions You Can Trust

Don’t just take our word for it! Jenius Bank has been recognized
4
 as a top digital bank by industry leaders, including Bankrate, GOBankingRates, and The Digital Banker.
  • Bankrate Awards 2025 Best Newcomer Bank Badge
    Best Newcomer Bank
  • GOBankingRates 2025 Best High-Yield Savings Account Top 10 Badge
    Best High-Yield Savings Account
  • The Digital Banker Global Retail Banking Innovation Awards 2025 Best Savings Account Winner Badge
    Best Savings Product
  • The Digital Banker Global Retail Banking Innovation Awards 2025 Loan Offering of the Year Winner Badge
    Best Lending Product

Jenius Bank In The News

  • Cloud-based with Old Roots
    "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."
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    Wall Street Journal
  • Some Backward Spin
    “Recently launched Jenius Bank has put some backward spin on the typical digital banking model.” 
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    American Banker
  • Special Sauce
    Jenius Bank’s ‘special sauce’: Keeping it simple, with a little parent company help.
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    Banking Dive
  • Quality Over Quantity
    Jenius Bank is the digital arm of a larger bank. ....it makes up in quality what it lacks in quantity with a highly competitive savings account.
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    The Motley Fool
  • Aggregate Accounts

    One Login For All Your Accounts

    Link your external accounts to see all your spending – like last nights’ takeout, this month’s rent, and your upcoming credit card payment – in one clear view.
    A chart showing dollar amount spent per spending category, along with the option to see individual transaction and transaction amounts per spending category.
  • Personalized Insights

    Your Money, Your Way

    Spot unexpected fees, track savings growth, and get alerts when a bill or subscription changes.
    A person observing a Price Increase alert on their phone for their linked Netflix account. The alert text states: "Netflix charged you two dollars more this month than normal. Did you upgrade your service?". A link to Read More about the increase is found below the alert text message.
  • Easy Access

    Access Insights From (Nearly) Anywhere

    Use our mobile app or website to unlock money insights. Stay on top of your finances at home or on the go.
    A person observing a Spending vs Income by month bar graph on their phone. Text at bottom states: "In May you spent 68 percent of your income, or 700 dollars less than you made. Way to go!". A link to view transactions is found below the text.
  • External Accounts

    Account Linking Made Easy

    Securely link external accounts in just three steps to help give you a 360-degree view of your finances.
    A person smiling happily after successfully using her phone to link an external account. Text of the successful link confirmation is zoomed in and states "you have successfully connected your account".

Want to Take Control of Your Finances?

From spotting unexpected fees to tracking savings growth, Jenius Bank helps you stay in control and make smarter money moves.
Learn More

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!
Open Savings
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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

The Sumitomo family business starts

1673

The Mitsui family business starts

1962

SMBC MANUBANK (formerly Manufacturers Bank) opens

1981

SMBC MANUBANK (formerly Manufacturers Bank) joins Mitsui Bank

2001

Sakura Bank (formerly Mitsui Bank) & Sumitomo Bank merge to form SMBC

2023

Jenius Bank launches personal loans and 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
Open Savings

Information You Can Bank On



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