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Now That's Jenius

4.75% APY Lets You Reach Your Savings Goals Faster

4.75% APY

is 10x the national average
, which means your savings could grow faster. Like, a lot faster. So that vacation may be closer than you think.


A Better Way to Save

  • Market Leading Rates

    Feel confident you're earning more with a Jenius Savings account. Say goodbye to rate FOMO.

  • FDIC Insured

    Deposits are insured by the FDIC up to $250,000

    . So, you can feel confident your money is safe.

  • No Minimum Balance

    Grow your savings on your terms. Open a Jenius Savings account with as little or as much as you want.

  • First-Class Customer Service

    100% digital because you prefer it, 100% human when you want it. 24/7 access to our U.S.-based customer service online or by phone.

  • No Fees

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

  • 24/7/365 Fraud Monitoring

    Scammers don't stop and neither do we. We monitor against fraud day and night, all year.

Your Earnings Will Grow and Grow with a 4.75% APY

Money doesn't grow on trees. That's why a Jenius Savings account exists, where you earn 10x the national average APY. Now that's the smart way to save.

Start Saving in Minutes

Opening a Jenius Savings account is quick and easy. Start saving now with a rate that is 10x the national average by getting 4.75% APY on every dollar you deposit.

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

Integrity is Core to Who We Are

  • Stability

    With a startup mindset supported by SMBC Group’s 400 years of banking history and $2 trillion in assets, we’ll be here to grow with you for the long term.

  • Protection

    Keeping your data secure matters. That's why Jenius Bank uses strong encryption and multi-factor authentication to protect your personal information so you can live a richer life without compromising peace of mind. 

  • Confidence

    Being a division of a California state-chartered bank, offering FDIC deposit insurance requires us to meet high standards for safety and soundness. We're different from many Neobanks.

Have Questions?

Still have questions?

We've got answers!