Available nationwide, Jenius Bank Savings Account is offering an outstanding 4.80% APY rate.
Update 10/30/24: The rate has decreased to 4.80% APY from 5.05%. We recommend the Valley Direct Online Savings, Western Alliance Bank High-Yield Savings Premier or the M1 High-Yield Cash account to earn some of the top rates available!
About Jenius Bank Savings
Unlike other banks, Jenius Bank™ challenges the experiences that just don’t make sense. Banking and your money should work for you — we’re on a mission to make that happen.
- Purpose: We’re committed to our purpose: “To help you live a richer life.”
- Vision: Empowering customers with a new approach to banking through actionable insights and innovative tools to better manage their financial lives.
- Mission: To humanize digital banking and lead a monumental shift in the industry.
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 supported by SMBC Group’s 400 years of banking history and $2 trillion in assets, so we’ll be here to grow with you for the long term.
| Balance Requirement | APY Rate |
| $0.01+ | 4.80% APY |
Jenius Bank Savings Rate
- Account Type: Jenius Savings account
- Interest Rate: 4.80% APY
- Availability: Nationwide (Excluding Hawaii and New Mexico)
- Minimum Balance: None
- Maximum Balance: None
- Credit inquiry: Hard Pull or Soft Pull ? Let us know
- Opening Deposit: None
- Monthly Fees: None
- Early Termination Fee: None
(FDIC Insured)
Jenius Bank ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | |
| Pull | ? | ? | ? |
How to Earn Jenius Bank Rate
- Open a new Jenius Savings account.
- Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
- Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
- Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.
Why You Should Sign Up For This Account
- 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.
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Bottom Line
If you’re looking to open a savings account with a high, competitive interest rate, consider Jenius Bank and open a Savings Account to earn the high rate today!
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
Check back often to see the latest info on Jenius Bank Savings Account.
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