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 (1)

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 Q3 2021

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 - YTD2.1%
Return on Equity - YTD23.02%
Annual Interest Income$19.9MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$628.5MM$646.9MM
LoansQ3 2021vs Q3 2020$520.4MM$542.4MM
DepositsQ3 2021vs Q3 2020$461.9MM$453.8MM
Equity CapitalQ3 2021vs Q3 2020$69.3MM$52.9MM
Loan Loss AllowanceQ3 2021vs Q3 2020$7.5MM$6.6MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$5.1MM$3.8MM
Real Estate OwnedQ3 2021vs Q3 2020$660.00K$550.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OnJuno Checking Account Rates

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

OnJuno 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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