OnJuno Checking Account

OnJuno Checking Account

in Checking Accounts from OnJuno · fdic


OnJuno Checking Account


in Checking Accounts from OnJuno · Member FDIC

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Monthly Fee $0 - $9.99
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.25% - 1.2%

OnJuno Checking Account Review

OnJuno Checking Account is offered by OnJuno, a nonbank financial services provider founded in 2017 and based in San Francisco, CA. OnJuno Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 1.2%, which is much higher than the average for a checking account.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $9.99.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through OnJuno.
  • Soft credit pull. This bank will not perform a hard credit pull when you open a checking account.
OnJuno Checking Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Available in all 50 states.
  • High-interest yield.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Monthly service charge.
OnJuno Checking FAQ

Are checking accounts from OnJuno federally insured?

Yes, your OnJuno checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #1299). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does OnJuno Checking offer?

OnJuno Checking offers an APY starting at 0.25% and ranging up to 1.2% (APY stands for annual percentage yield, rates may change).

OnJuno Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.25% - 1.2%

What are the account minimums for OnJuno Checking?

OnJuno Checking does not require a minimum initial deposit.

OnJuno Checking Account Minimums
APY Minimum Balance $0
Minimum Opening Deposit $0

What fees does OnJuno Checking charge?

The good news is that this account does not have a monthly Service Charge.

OnJuno Checking Account Fees
ATM Fee: In-Network $0
Check Cashing Fee 2
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0 - $9.99
NSF Fee $0
Online Bill Pay Fee $0
Returned Deposit Fee (International) $5

Does OnJuno Checking charge overdraft fees?

What features and perks does OnJuno Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - OnJuno Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - OnJuno Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
  • Soft credit pull - OnJuno Checking performs a soft credit pull so you can check whether you qualify without hurting your credit.

What is the customer support email for OnJuno Checking?

The customer support email for OnJuno Checking is

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Message From OnJuno Checking Account

A Checking Account for Working Professionals. No matter where you are in your savings journey, start today — it’s free. A modern checking account for hard working professionals that provides higher savings, faster support and peace of mind.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About OnJuno Checking Account


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

ATM Fee: In-Network $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Online Bill Pay Fee $0
Check Cashing Fee 2
Monthly Fee $0 - $9.99
Returned Deposit Fee (International) $5
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Soft Credit Pull
  • Debit Card
  • Member FDIC
  • Online-Only Account
Cashback Rewards Up to 5%
APY (Annual Percentage Yield) 0.25% - 1.2%

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