4.20% APY Lets You Save Like a Jenius
FDIC insured, no fees or minimums, and 24/7 U.S.-based support. Learn what it means to bank smarter with a new kind of savings account that earns 10x the national average
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with a 4.20% APY2
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We’re Different...
We Listen
You told us what you wanted from a bank and those things became our building blocks:
- Better rates on all your financial products.
- A big picture view — your money, from all sources, in one place.
- Insights that help you spend and save smarter.
- Help from humans when you need it.
Jenius Personal Loans
A Smarter Way to Borrow Starts Here.
Get quick access to funds with low, competitive rates - and zero prepayment penalties or late fees. Whether you’re consolidating credit card debt
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or funding a big life moment, we help make it easier to move forward.
Opinions You Can Trust
Don’t just take our word for it! Jenius Bank has been recognized
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as a top digital bank by industry leaders, including Bankrate and GOBankingRates.
Take Control of Your Finances
Bank Smarter with Personalized Insights
Take the guesswork out of managing your money. See all your accounts, track spending, and plan for bills – when you have an account with Jenius Bank.
Jenius Bank In The News
See what everyone is saying about us.
- 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>
- GOBankingRates“Financial education is a lifelong journey, not a one-time crash course.” Visit GOBankingRates>
- American Banker“Recently launched Jenius Bank has put some backward spin on the typical digital banking model.” Visit American Banker>
Help From Humans
Technology can be great. But it shouldn't go so far, you can't get a hold of a real person when you need one. That's why Jenius Bank® puts its number right on the homepage. Call us at to access our 24/7, U.S.-based, first-class, customer support.
