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  OnJuno Checking Account
OnJuno Checking Account
in Checking Accounts from OnJuno · Member FDIC
Unaffiliated

OnJuno Checking Account

Unaffiliated
in Checking Accounts from OnJuno · Member FDIC
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

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Cashback Rewards Up to 5%
APY (Annual Percentage Yield) 0.04% - 1.2%
(Verified 08/05/2022)
Monthly Fee $0
(Verified 08/05/2022)
Minimum Balance to Avoid Monthly Fee N/A

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 annual percentage yield (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 fee. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • ATM fee rebates. 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
  • Available in all 50 states.
  • High variable APY.
  • 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.

OnJuno Checking FAQ

Are checking accounts from OnJuno federally insured?

Yes, your deposits 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 0.04% 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) 0.04% - 1.2%

What are the account minimums for OnJuno Checking?

OnJuno Checking does not require a minimum initial deposit.

OnJuno Checking Account Minimums
Description
Minimum Opening Deposit $0
Minimum Balance to Earn APY $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
Description
Monthly Fee $0
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Returned Deposit Fee (International) $5
Online Bill Pay Fee $0
Check Cashing Fee 2
Early Account Closure $0

What features and perks does OnJuno Checking offer?

This account includes the following features:

  • ATM rebates - 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 hello@onjuno.com.

How do people rate the customer service and user experience of OnJuno Checking?

Overall, OnJuno Checking is strongly recommended based on community reviews that rate customer service and user experience.

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Message From OnJuno Checking

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.

Contact

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

Availability

  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

Minimum Opening Deposit $0
Minimum Balance to Earn APY $0
Monthly Fee $0
(Verified 08/05/2022)
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Returned Deposit Fee (International) $5
Online Bill Pay Fee $0
Check Cashing Fee 2
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
  • Non-Residents Through Entities Incorporated in the U.S.
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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) 0.04% - 1.2%
(Verified 08/05/2022)

OnJuno Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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