Deposits held and insured by Evolve Bank & Trust

Overview / Commentary
1390 Market Street, Suite 200
San Francisco, CA 94102
Deposits held and insured by Evolve Bank & Trust
Reviews (2)

Onjuno Stole $10,000 In Crypto From Me

I woke up on March 30th, 2022 to find a poorly formatted email from OnJuno in my inbox, stating that my account had been placed on hold pending manual review. The email said I would have to provide copies of bank statements of my linked external account -- except that I did not have any external account linked to my OnJuno account. At the time I had about $7,000 in cash and about $11,000 in crypto with them. I tried to contact them multiple times about the hold, over the phone and over email, I got very little response over the phone and virtually no response over email until April 8th. On that day, after at least 10 emails that had gone unanswered, someone named Pooja from the OnJuno support team reached out to me and made me feel as if someone was finally going to shed some light on why my account was placed on hold. She asks me to provide some verifying information about a debit card transaction I had made using the OnJuno card to pay my AT&T bill, which was subsequently refunded back to the card because I didn't realize the bill was already auto-paid. The refund was processed literally seconds after the charge. I couldn't believe this was the reason for my account being restricted, but I was relieved that's all it was. If only that were true. After I verified that transaction, she told me she had submitted it to her verification team and that I should expect to have my access restored by the following Monday. Monday comes, no updates. Then Tuesday. Wednesday. Thursday. It wasn't until, once again, multiple unanswered emails were sent over the week that Pooja finally responded to me again on the following Friday, telling me that my account was still under "manual review" and she had no estimation as to how long this process would take. I was infuriated, to the point I hunted down the co-founder of OnJuno on Twitter, @sidsverma. He was responsive and helpful, at first. It took about 2 weeks for him to get someone at OnJuno to reach out to me again, by this time it was already May. This next person who reached out to me asked me to verify some information about a wire transfer that I had made to my OnJuno account; I supplied that info and this person accepted it. Then, just as it was with Pooja, they tell me they submitted the info and now we're back on indefinite hold for someone to "manually review" my account. At this point I was absolutely livid and I reached out to the cofounder again and said that they had been holding my funds for nearly 2 months at this point. He did not respond to my most recent attempts at reaching him however they did wire back my cash deposits to the account I had originally wired money from. They have not, however, as of May 23rd, 2022, given me access to or transferred my crypto assets that are worth nearly $11,000. Nobody is answering me anymore, on any medium. They are literally trying to steal my crypto because they figure they can get away with it. I want to submit this review as a cautionary tale -- this company has the worst customer service and awful way of following any sense of banking practice, let alone regulation, and you should never trust them with your funds -- whether its fiat or crypto.

Rate Is Good But That's It And For How Long

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OnJuno currently offers 2.15% APY on up to $30,000. You have to decide if dealing with them is worth $645/year.

They only link through Plaid so if your bank ain't there, you're SOL.

There is an ACH limit of $10,000/day. I can confirm they block deposits initiated from external banks and then you have to re-link the account or work with the other bank because they process the rejection in correctly.

Their customer service is fast and chat based which is good because you'll be utilizing it all the time.

If I hadn't started down this road, I would not now.


Data as of Q1 2022

Data displayed below is for insuring bank: Evolve Bank & Trust
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Health Grade Components

FDIC Certificate #1299
Year Established1925
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD8.02%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$777.1MM$670.8MM
LoansQ1 2022vs Q1 2021$512.9MM$546.1MM
DepositsQ1 2022vs Q1 2021$615.7MM$497.5MM
Equity CapitalQ1 2022vs Q1 2021$72.6MM$59.4MM
Loan Loss AllowanceQ1 2022vs Q1 2021$8.2MM$7.1MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$7.1MM$3.5MM
Real Estate OwnedQ1 2022vs Q1 2021$615.00K$735.00K
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Juno Checking Account Rates

1.20%*-$5kBasic Checking
OTHER TIERS: 0.25% $5k+
1.20%*-$50kMetal Checking
OTHER TIERS: 0.25% $50k+

Juno is an Internet only bank and does not have branch locations. Its headquarters is located at 1390 Market Street, Suite 200 - San Francisco, CA 94102

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