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Get $25 credited on a minimum opening deposit of $1000

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Referral Bonus Terms & FAQs

Signing Up for OnJuno has many benefits

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Spend with OnJuno Card

5% cash back on 5 brands of your choice, up to $3000.

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No Hidden Fees

No account opening fee, No ATM fee, No ACH Transfer fee.

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Secure Banking Experience

Deposits are FDIC insured up to $250,000 with Evolve Bank and Trust

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 banking partner Evolve Bank and Trust. Grow your idle money faster with our checking account and start saving towards a rainy day fund, big expense, or vacation.

Cashback

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

We have got you covered

Your deposits are safe and secure

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Your deposits are insured up to $250,000 through Evolve Bank and Trust, Member FDIC.

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

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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 Evolve Bank and Trust who 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 yearly bonus rate drops to 0.50% 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.

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 Evolve Bank and Trust, Member FDIC. 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.

Bonus interest rate 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

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