Skip to main content
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Current APY:
4.80%
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 10/17/2024 and subject to change at any time. The national average rate is accurate as of 11/18/2024 from the FDIC National Rates and Rate Caps for Savings deposit products.
Make a Jenius Move

Start earning 4.80% APY today.

Our 4.80% APY
1
 high yield savings account is 10x the national average of 0.43% APY
2
, 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
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.

  • 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.

  • Mobile App

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

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."
    AB__Icon_80x80.webp
    Wall Street Journal
  • Some Backward Spin
    “Recently launched Jenius Bank has put some backward spin on the typical digital banking model.” 
    AB__Icon_80x80.webp
    American Banker
  • Special Sauce
    Jenius Bank’s ‘special sauce’: Keeping it simple, with a little parent company help.
    BD_Icon_80x80.webp
    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.
    MF_Icon_80x80.webp
    The Motley Fool

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

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



Have Questions?

Still have questions?

We've got answers!
Visit Our FAQs