Jenius Bank

SMBC MANUBANK

About this app

Bank Smarter with Personalized Insights.
We created Jenius Bank with the belief that banking should work for you. We’re on a mission to help make that happen.

Award-Winning Banking
Jenius Bank was named “Best Newcomer Bank” by Bankrate and awarded “Best High-Yield Savings Account” by GoBankingRates.

• All-in-One Financial View
  Link all your external financial accounts, cards, and investments for a 360° view of your finances and net worth in one place.


• Smarter Spending Insights
  Personalized insights to help you budget and plan for the future.


• Secure by Design
  Your privacy and security come first. We use strong encryption and multi-factor authentication to protect your data.


• Easy Transfers & Mobile Deposit
  Move money simply and securely. Schedule one-time or recurring transfers to Jenius Bank or external accounts, and deposit checks on the go with mobile check deposit.


• Competitive Rates
  Enjoy market-leading rates on our savings accounts and low rates on personal loans.


• Help Whenever You Need It
  Call our 24/7 U.S.-based customer support team anytime at 844-453-6487 for questions or feedback.

That’s Jenius.

©2025 SMBC MANUBANK. All rights reserved. “Jenius Bank” and the “jeniusbank” logo are trademarks of SMBC MANUBANK.

Jenius Bank is a division of SMBC MANUBANK. Member FDIC.

Data rates and fees from your service provider may apply.

Awards are independently granted by their respective publications and are not indicative of future success or results.

FDIC Insurance up to the maximum allowed by law. Deposits at Jenius Bank and SMBC MANUBANK are combined for the purpose of calculating FDIC insurance limits.

The features, charts and graphics displayed as examples of personalized information within the Jenius Bank mobile app and online banking experience are for illustrative purposes only. Not all features will be available and will depend upon your individual finances and the external accounts you choose to link. Third-party marks are owned by their respective owners and are not sponsored or endorsed by or otherwise affiliated with Jenius Bank, a division of SMBC MANUBANK.

Ratings and reviews

Just signed my soul for a $30k loan at 12% APR. Everything looks fine so far, contract was straight-forward, nothing about hidden fees, approved fast and with little issued. Downloaded the app, logged in with no problem, and User Interface is user-friendly. 4 for now, as I just started associating with Jenius. I'll update my rating in a few months once I have a fair amount of time to gauge my experience.

So far, I totally love Jenius Bank. They are affiliated with a very reputable bank SMBC. Applying was super easy and fast. Some online banks deny applications for no clear reason, but Jenius didn't do that. Currently, rates are among the very best, and you can start at only $100. App is easy to use, and I was quickly able to set up an external bank for transferring money in/out. I, so far, recommend them highly.

This bank has been one of the easiest to use as far as getting a loan and paying it back through there app so far I'm very happy with my decision to go with them and I recommend anyone who needs a consolidation loan personal loan or any type of loan contact them you won't be disappointed

What’s new

Seamlessly Connect External Accounts

New options for linking external bank accounts for bill payments or transfers are now available! Use your online login credentials with your external bank to instantly connect your external account, or manually enter your account numbers, if you prefer.