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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Make a Jenius Move

Start earning 5.25% APY today.

Our 5.25% APY

high yield savings account is 11x the national average of 0.45% APY
, which means your savings could grow quicker.

  • FDIC insured deposits

  • Withdraw and deposit easily

  • Interest compounded daily

  • Help from humans 24/7

  • No fees or minimum balance requirements


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.

  • 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.

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>

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!

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.


The Sumitomo family business starts


The Mitsui family business starts


SMBC MANUBANK (formerly Manufacturers Bank) opens


SMBC MANUBANK (formerly Manufacturers Bank) joins Mitsui Bank


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


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

Have Questions?

Still have questions?

We've got answers!