Cheese is specifically for immigrants and Asian Americans it donates money to Asian American nonprofits and offers cash back at certain Asian American-owned businesses.Ĭheese's rate is comparable with Juno's lower-tier rate. Both companies make it easy for immigrants to sign up. Juno and Cheese both offer high-yield checking accounts. Between the clear history and strong BBB rating, you may decide you feel comfortable banking with Juno. Neither Evolve Bank & Trust nor Juno have any recent public scandals. The Better Business Bureau gives Juno's partner bank, Evolve Bank & Trust, an A+ rating. The BBB measures trustworthiness by assessing a company's responses to customer complaints, honesty in advertising, and transparency about business practices.
Your deposits are FDIC insured for up to $250,000 through Juno's partner bank, Evolve Bank & Trust. The response time just may not be as fast. A customer service agent told Insider the company tries to have someone online 24/7, so you can still chat online outside of regular hours. Or chat online seven days per week, 5:00 a.m. If a purchase would overdraw your account, Juno denies the transaction.Ĭall customer support Monday through Friday, 9 a.m. There are no overdraft fees, but you also don't have the option to overdraw. In this case, Juno refunds one fee per month on a Basic account and three per month for a Metal account. Juno doesn't charge you for using an out-of-network ATM, but the ATM provider might.
You can use 85,000 Allpoint and MoneyPass ATMs nationwide for free. You may also earn up to 3% annually on USDC and 6% annually on BTC and ETH in your Juno Wallet. With Juno, you can earn 5% cash back on cash purchases or crypto purchases on up to $500 with the Juno Basic, and on up to $6,000 with the Juno Metal. All you need to open an account is a Social Security number and passport. The website specifies that Juno makes it easy for immigrants to qualify. Juno does not provide joint checking accounts.
Juno Basic is its free version, and Juno Metal is its premium version that you must maintain a qualifying direct deposit of $250 per month for. The only thing that is changing is the company's name. Existing Juno customers will still have the same account and services. Juno is a digital banking platform that was previously known as OnJuno. The downside is that Juno Metal requires that you maintain a qualifying direct deposit of $250 or more per month to stay with the metal account status. You'll receive cash back on up to $6,000 of spending per year, and receive more refunds for any out-of-network ATM fees. Juno Metal is like the Basic account, but with a few more perks.
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