OnJuno Logo

Home

Company

Learn

Legal

OnJuno Logo

The Most Powerful Checking Account

Our checking account gives you higher returns
than a savings account with no hidden fees.

Email
USA Flag

287 spots left for Priority Access

Google Play
Apple Pay
Juno Card

BACKED BY THE BEST

sequioa-image
Polychain Capital
Consensys

Start saving for a rainy day fund

Use Our Checking Account to Achieve Your Financial Goals

With the latest Federal rate cut, the largest banks are offering close to 0% APY on their checking and savings accounts. OnJuno checking will earn you more than 20x the national average*. Deposits up to $250,000 are FDIC insured through our partner bank. Grow your idle money faster with our checking account and start saving towards a rainy day fund, big expense, or vacation.

Cashback

Sign up early to save more

Depending on the level of your checking account, you’ll earn between 1.15%3 to 2.15%1 bonus rate.

METAL

PREMIUM

BASIC

card

METAL

2.15% 1

5% cash back

2500

/ 2500 spots

Spots filled

INCLUDES

Charcoal Black Metal Card

2.15%1 Bonus Rate Checking Account

5% Cash back on brands you love

Free Cash Withdrawals

Phone & Chat Support

Fund your account with a minimum opening deposit of $1000. 3 additional free ATM withdrawals per month from out of network ATMs.

$11.99/m Membership Fee

Free for 6 months

$60 Savings

card

PREMIUM

1.65% 2

4% cash back

1000

/ 2000 spots

1000 spots left

INCLUDES

Free Debit Card

1.65%2 Bonus Rate Checking Account

4% Cash back on brands you love

Free Cash Withdrawals

Phone & Chat Support

Fund your account with a minimum opening deposit of $500. 2 additional free ATM withdrawals per month from out of network ATMs.

$6.99/m Membership Fee

Coming Soon

card

BASIC

1.15% 3

3% cash back

10000 spots

10000 spots left

INCLUDES

Free Debit Card

1.15%3 Bonus Rate Checking Account

3% Cash back on brands you love

Free Cash Withdrawals

Phone & Chat Support

Fund your account with a minimum opening deposit of $0.

No Membership Fee

Free Forever!

Get 5% cash back on 5 brands you love

OnJuno Debit Card rewards you like a credit card without the high fees and debt

No points, direct cash
back

Earn 5% cash back on 5 brands you love, up to $3,000 per year in spends.

Metal Card

Access to cash,
anytime

Enjoy free cash withdrawals at 85,000+ ATMs across our partners' ATM network

The Checking Account that beats them all

Setup monthly direct deposits to grow your money faster.

MONTHLY DEPOSIT

$5,000

OnJuno Returns

$16,986 in 5 years

$16,986

$6,180

$2,684

$152

$76

2.15%

0.8%

0.35%

0.02%

0.01%

OnJuno

Marcus

Wealthfront

BofA

Chase

METAL
CHECKING

SAVINGS
ACCOUNT

CASH
ACCOUNT

ADV.
RELATIONSHIP

PREMIER+

We Say No to Hidden Fees

Average American pays over
$329 a year in bank fees every year.

As a digital banking platform, we keep our costs low with no physical branches or on-site staff. We don't need to charge our customers with unnecessary hidden fees.

No Minimum Balance

No ATM Withdrawal Fee

No ACH Transfer Fee

Banking for all to reduce wealth inequality

Our giving pledge - 2.15% of our company profits go towards charities in India

Together we can empower low-income groups in India to change the trajectory of their lives and build more inclusive economies for all.

The New Financial Control Center

OnJuno helps you spend smarter, save better, and grow your money faster

Bills

Spend Securely

Set your daily and monthly spending limits or disable your debit card anytime

Apple & Google Pay

Connect your OnJuno card and start using Apple and Google Pay instantly

Early Salary

Bill Payments

Automate your bill payments or deposit a check simply by taking a picture

Remittance

Subscriptions

Track and manage your monthly subscriptions across products at one place

We have got you covered

Your deposits are safe and secure

Content

Your deposits are FDIC insured up to $250,000 through our Partner
Bank.

Content

With our card partner’s Zero Liability policy, you’re protected from unauthorized transactions.

Content

We have cutting edge bank level data security and promise to never sell your data.

Frequently Asked Questions

Is OnJuno a bank?

OnJuno is not a federal bank. We offer our banking services through our partnership with a Federal Chartered Bank, Member FDIC. The Partner Bank holds all deposits and will issue the OnJuno Debit Card as well.

Is this a promotional rate?

Yes, this is a promotional rate for our Priority Access users. All Priority Access users get a 2.15%1 bonus rate of up to $50,000 in deposits till April 30, 2021. The interest rate drops to 0.50% APY beyond $50,000.

Why is this rate subject to change?

The bonus rate for OnJuno is based on a blended rate that is dependent on the federal funds rate and our bonus rate offered. We move your funds to partner banks who accept and maintain deposits and pay a rate based on the federal rate. OnJuno offers a bonus on top of the federal rate to help people get a 2.15%1 bonus rate.

Will I be charged a fee?

We do not have any account opening or maintenance fees for opening an OnJuno account. We do not charge fees on cash withdrawals and foreign transactions.

How is this different from a cash account?

OnJuno is a high yield checking account. You can use this checking account to make transfers, debit card purchases, and bill payments. Cash accounts are saving instruments that do not offer the same flexibility of a checking account.

Why do we need to connect our bank account for Priority Access?

We are pre-qualifying users for Priority Access. When you connect your bank account, we analyze the balances and transactions to understand the usage patterns. This helps in onboarding the right set of users who will benefit from the Priority Access. We do not have any authorization on ACH transfers or Debits and your data is secure.

The Most Powerful Checking Account

Our checking account gives you higher returns than a savings account with no hidden fees.

Email

12.15% bonus rate is a promotional rate for our Priority Access users. The Priority access users get 2.15% bonus rate up to $50,000 in deposits. The bonus rate drops to 0.50% beyond $50,000. These bonus rates are fixed until April 30, 2021 and will be subjected to evaluation after.

21.65% bonus rate is a promotional rate for our Premium Access users. The Premium access users get 1.65% bonus rate up to $50,000 in deposits. The bonus rate drops to 0.50% beyond $50,000. These bonus rates are fixed until April 30, 2021 and will be subjected to evaluation after.

31.15% bonus rate is a promotional rate for our Basic Access users. The Basic access users get 1.15% bonus rate up to $50,000 in deposits. The bonus rate drops to 0.50% beyond $50,000. These bonus rates are fixed until April 30, 2021 and will be subjected to evaluation after.

The OnJuno Checking Account and Debit Card are part of an offering of CAPITALJ Inc ("OnJuno") and a Partner Bank. Your deposits at each Bank are eligible for insurance by the Federal Deposit Insurance Corporation (FDIC) up to $250,000, subject to FDIC rules on aggregation of deposits held in the same insurable capacity. Please visit the FDIC website. Neither OnJuno by CAPITALJ Inc. nor any of its subsidiaries is a Bank.

Interest rate and Annual Percentage Yield comparisons are based on a comparison of OnJuno's Checking Account 2.15% bonus rate to the following checking & savings account APYs reported by Bankrate for 7/29/2020: Marcus Savings Account (0.8% APY), Wealthfront Cash Account (0.35% APY), BofA Adv. Relationship (0.02% APY) and Chase Premier+ (0.01% APY). Actual savings may vary based on rates that are available during the time of your deposit The Annual Percentage Yield (APY) for the Cash Account is as of a specific date and may change at any time, which could decrease or increase actual earnings. The national average is based on rates published at https://www.fdic.gov/regulations/resources/rates/, as of July 29, 2020.

Customers will earn cash back for purchases made at selected merchants. Cash back will be reflected in your OnJuno Account upon a transaction being posted. For example, if you make a purchase of $1000 from a select merchant using your OnJuno Debit card, then you would receive a total of $50 as cash back which would be reflected in your account immediately. In case of a refund or dispute resolution, the cash back would be deduced from the amount transferred. This cash back rewards program is subject to change by OnJuno at any time without notice.

OnJuno has curated the list of favorite brands as representative of the kinds of purchases that earn cash back from OnJuno. All third-party trademarks displayed on the Site and App, include these displayed brands, are for informational purposes and does not mean that they have a relationship with or sponsor or endorse OnJuno or are involved in the cash back program. All third-party trademarks displayed are owned by their respective owners.

This site and the account services offered are for U.S. persons only. This is not an offer or solicitation in any jurisdiction where CAPITALJ is not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction. System availability and account access times may vary due to a range of factors, including market conditions, trading volumes, system performance, and other factors.

OnJuno uses Plaid Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant OnJuno and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy

© Copyright 2020 OnJuno by CAPITALJ, Inc