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Terms of Use

Transparency is a big deal here at Jenius Bank™. And we want our customers to know exactly what to expect from us when they access and use our online functions, products and services.
Important Information About Opening an Account with Jenius Bank: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. By proceeding with opening an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. This federal requirement applies to all new and current customers.PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE (AND ANY OF ITS PAGES), YOU AGREE TO BE BOUND BY THE TERMS OF USE BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. IF YOU DO NOT AGREE TO THE TERMS OF USE BELOW, PLEASE DO NOT ACCESS THIS SITE OR ANY OF ITS PAGES.Jenius Bank, a division of SMBC MANUBANK (sometimes referred to herein as “we”, “us”, “our” or “Jenius Bank”) maintains this website (the “Site”) to provide you with information about our products and services. We reserve the right to change, update, add or remove portions of these Terms of Use at any time without notice. Please check this Site periodically for changes. Unauthorized use of the Site and systems is strictly prohibited.COPYRIGHT NOTICESThe information, materials, names, marks, images, and all other content contained in and on this Site are owned or licensed, except as otherwise expressly stated, by Jenius Bank, a division of SMBC MANUBANK. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Jenius Bank's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Jenius Bank's proprietary rights provided that you may download information and print out hard copies for your personal use or non-commercial internal business use.USE OF INFORMATION AND MATERIALSThe information and materials contained in the Site are subject to change. Product offers, rates, terms and other information provided on the Site are subject to change without notice and not all products and services are available in all geographic areas. Your eligibility for products and services is subject to final determination by Jenius Bank and/or its affiliates. LINKSThe Site may contain links to non-Jenius Bank websites. Jenius Bank has no control over the content on such non-Jenius Bank websites and the presence of these links on the Site do not imply any endorsement or representation regarding the content at such sites.SMS TEXTSWe may use the mobile number provided by you to communicate with you about your Jenius Bank accounts. Standard message and data rates may apply, and frequency may vary. Charges may vary depending on your carrier and service plan. Jenius Bank SMS Long and Short Codes
  • Long Codes: 628-285-1407, 833-444-5688, 844-453-6987
  • Short Codes: 54752, 65821, 66952, 74454, 76128, 87175, 98945
Supported Carriers Supported carriers include, but are not limited to:
  • Verizon
  • T-Mobile
  • AT&T
  • Boost Mobile
  • U.S. Cellular
  • Xfinity Mobile
  • Google Fi
  • Additional carriers may be available and added at any time, however, SMS may not be available for all carriers.
Reply “STOP” to opt out of additional messages from that number. We will reply with a final text that confirms your request.Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is your responsibility to provide us with a true, accurate, and complete mobile number and to maintain and promptly update any changes in this information. You can update your mobile number online or by calling us at 844-453-6487.If you provide mobile or cell phone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for a mobile or cell number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other partners and employees for any costs and expenses, including reasonable attorneys’ fees, incurred as a result of Jenius Bank contacting or attempting to contact you at the number(s). Your obligation under this paragraph shall survive termination of the loan agreement and/or your deposit account(s) as applicable. For help from U.S.-based humans give us a call toll-free at 844-453-6487. For more information see our Privacy Policy.NO WARRANTYTHE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS" AND "AS AVAILABLE.” JENIUS BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.LIMITATION OF LIABILITYIN NO EVENT WILL JENIUS BANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF JENIUS BANK, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.SUBMISSIONSWe welcome your comments and suggestions, but you should not send confidential or sensitive information to us via this Site. All information submitted to Jenius Bank or its affiliates via the Site shall be deemed and remain the property of Jenius Bank and Jenius Bank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Site submits or provides through this website. Jenius Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Jenius Bank. AVAILABILITYThis Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.ANALYTICS AND TRACKINGJenius Bank may use the services of third parties, such as Google Analytics, which offer analytics and tracking technology services. We may use these services to gather information such as browser type and operating system, track the number of visitors to the Site, customize the Site for visitors, and understand how visitors use the Site. By accessing or using the Site, you consent to the collection of information about your use of the Site by us and our third-party vendors.ADDITIONAL TERMSCertain sections or pages on this Site may contain separate terms, which are in addition to these terms. In the event of a conflict, the additional terms will govern for those sections or pages. We do not knowingly solicit or collect personal information from children under the age 13, without parental consent.GOVERNING LAWUse of this site shall be governed by all applicable Federal laws and the laws of the State of California.