OnJuno Checking Account

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 is available in 50 states (and Washington, DC).

Key Takeaways

• Up to 1.2% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.2%, which is much higher than the average for the checking accounts that we track.
• $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 when you enroll in OnJuno mobile or online banking.
• Soft credit pull. This bank will not perform a hard credit pull when you open a checking account.

OnJuno Checking Pros & Cons

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).

What are the account minimums for OnJuno Checking?

OnJuno Checking does not require a minimum initial deposit.

What fees does OnJuno Checking charge?

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

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.