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One Cease For Banking And Crypto

Are you in search of a one-stop store in your banking and crypto wants? OnJuno is likely to be the answer you’ve been looking for.

This platform presents distinctive deposit account choices. Not solely does it present stellar checking accounts for conventional fiat foreign money, however you’ll additionally discover alternatives to construct your crypto property. 

In case you are desirous about crypto or tapping into a powerful APY, our OnJuno evaluation can assist you determine if the service is best for you. 


OnJuno presents a crypto-friendly checking account with stellar cashback alternatives. You may handle your money and crypto from one among their two checking account choices.


  • Aggressive APY
  • 5% to 10% cashback
  • Crypto paycheck choice


  • Steel card requires direct deposit
  • No bodily places
  • No financial savings account choice

What’s OnJuno?

OnJuno is a fintech firm that was based by Varun Deshpande, Ratnesh Ray and Siddharth Verma. The corporate’s official authorized title is CapitalJ Inc. Nevertheless, it has branded itself as OnJuno.

Since its inception, the platform has been on a mission to “enhance monetary freedom and supply entry to honest and clear monetary companies.”

The idea of OnJuno’s choices is an all-in-one banking expertise that features a checking account and cryptocurrency choices. Prospects should buy and promote cryptocurrency immediately of their checking accounts.

OnJuno is designed to be protected for all customers whereas permitting them to develop their cash. It promotes sustaining good monetary habits and desires to assist prospects attain their long-term objectives.

How Does OnJuno Work?

OnJuno combines banking and cryptocurrency into one platform. In flip, this makes it easy to handle extra of your monetary accounts in a single place.

Registration Course of

In case you determine to make use of OnJuno, the method solely takes 5 minutes and begins with offering your electronic mail tackle. 

OnJuno home

From there, you’ll be requested to create a password and confirm your electronic mail tackle. After your electronic mail is verified, you may apply for a checking account. 

Listed below are among the issues OnJuno will ask you for:

  • Identify
  • Birthday
  • Cellphone quantity
  • Deal with
  • Social Safety quantity

Getting these particulars forward of time will enable you breeze by way of the OnJuno software course of. The ultimate step is to confirm your id and signal a couple of paperwork, which can embody a W-9. 

As soon as your account is permitted, you can begin having fun with a feature-filled checking account. 

Banking and Crypto Mixed

As a substitute of sticking with both a crypto change or checking account, you may get the most effective of each worlds by working with OnJuno. 

The platform presents the flexibility to handle your cryptocurrency and fiat foreign money seamlessly in a single place. It solely takes a couple of seconds to purchase or promote cryptocurrency immediately in your checking account.

Because of this you should utilize the funds instantly with out having to attend for the same old three to seven enterprise days. 

OnJuno prospects can select between two totally different checking accounts.

Fundamental Checking

The Fundamental checking account is free to make use of and doesn’t require any minimal deposits.

With Fundamental checking, you’ll obtain: 

  • 1.20% on balances of as much as $5,000
  • 5% cashback whenever you pay with money
  • 10% cashback whenever you pay with crypto on whole annual spends of $500
  • Immediate digital debit card
  • Free bodily card
  • Purchase, promote and retailer crypto totally free
  • Ship and obtain crypto from any pockets
  • 6% yield on USDC
  • Apple Pay, Google Pay and Samsung Pay
  • No-fee ATM withdrawals at over 85,000 Allpoint and MoneyPass ATMs
  • One free out-of-network ATM withdrawal monthly

This free checking account is likely to be very best for you if you’ll preserve a decrease stability and don’t wish to set up direct deposits.

Steel Checking

The opposite choice is Steel Checking. Whereas it’s technically free to make use of, you’ll must have a qualifying direct deposit of $250 or extra monthly to qualify.

Right here’s what the OnJuno Steel checking account contains:

  • 1.20% on balances of as much as $50,000
  • 5% cashback whenever you pay with money
  • 10% cashback whenever you pay with crypto on whole annual spends of $3,000
  • Immediate digital debit card
  • Black Steel bodily card
  • Purchase, promote and retailer crypto totally free
  • Ship and obtain crypto from any pockets
  • 6% yield on USDC
  • Apple Pay, Google Pay and Samsung Pay
  • No-fee ATM withdrawals at over 85,000 Allpoint and MoneyPass ATMs
  • Three free out-of-network ATM withdrawals monthly

Relying in your spending wants and financial savings objectives, you may select to improve to the Steel checking account. 

OnJuno Pricing

Primarily based on the checking account you select, the prices of OnJuno can range barely. That stated, the charges are comparatively low (if not free).

Right here’s a breakdown of the prices you may count on from the platform:

Minimal deposit
Minimal deposit
Month-to-month payment
Month-to-month payment
$0 ($250 month-to-month direct deposit required)
International transaction payment
International transaction payment
Out-of-network ATM withdrawal
One free monthly (payment varies by ATM)
Out-of-network ATM withdrawal
Three free monthly (payment varies by ATM)
Crypto buying and selling
Purchase/promote/retailer at $0 for as much as $250,000 (minimal of .5% after that threshold)
Crypto buying and selling
Purchase/promote/retailer at $0 for as much as $250,000 (minimal of .5% after that threshold)
ACH charges
$0 ($1 for same-day outgoing ACH transfers)
ACH charges
$0 ($1 for same-day outgoing ACH transfers)
Bank card deposits
3.5% + $.30
Bank card deposits
3.5% + $.30
Debit card deposits
2% + $.30
Debit card deposits
2% + $.30
Overdraft charges
Overdraft charges

OnJuno prides itself on serving to customers keep away from pesky hidden charges. Prospects can seamlessly use their playing cards with out worrying about pointless surcharges. 

Key Options

Do you wish to be taught extra about what OnJuno has to supply? Listed below are among the prime options that set this firm aside from the competitors. 

Get Your Paycheck in Crypto

OnJuno crypto deposit

In case you arrange a direct deposit to your OnJuno account, you may robotically get part of your paycheck in crypto. That’s a giant deal for individuals who commonly purchase or spend well-liked cryptocurrencies

The most effective half is that you could customise the break up to your particular person preferences. Higher but, you gained’t must pay any charges for this service. 

Enticing Cashback

OnJuno cashback

If you make purchases, cashback is just like the icing on the cake. However, some playing cards supply cashback rewards which are higher than others. 

OnJuno’s cashback presents are engaging. Whether or not you’ve got the Fundamental or Steel checking account, you’ll earn 5% cashback whenever you pay with fiat foreign money. 

That stated, OnJuno presents one other twist. You’ll earn 10% cashback on crypto purchases made by way of the cardboard. 

With Fundamental checking, you may get this cashback on as much as $500 in annual purchases. With Steel checking, you may benefit from this cashback on as much as $3,000 in annual purchases. 

This cashback rewards construction makes spending with OnJuno engaging. With that, you may stretch your price range somewhat bit additional. 

Immediate Digital Debit Card

Nothing is extra irritating than opening a brand new checking account and ready a number of days in your new debit card to reach through snail mail. Fortunately, OnJuno eliminates this wait time. 

If you open your checking account, you’ll obtain a digital debit card instantly. You should use this card to make purchases by way of your digital wallets corresponding to Apple Pay, Google Pay and Samsung Pay. 

If you would like a bodily card, all you must do is make a request to customer support. Your free bodily card ought to arrive within the mail a couple of days later. 

Mastercard Zero Legal responsibility

The debit playing cards provided by way of OnJuno embody Mastercard’s Zero Legal responsibility safety coverage. Primarily, which means you gained’t be held accountable for unauthorized transactions. 

Since the opportunity of an unauthorized buy may derail your price range, this safety presents added peace of thoughts. 

Worldwide Transfers

OnJunio international transfers

OnJuno makes it potential for customers to switch 5 totally different currencies to over 30 different nations.

These currencies embody:

  • Indian Rupee
  • Chinese language Yuan
  • Philippine Peso
  • Euro
  • British Pound

You’ll have the ability to observe the switch and make sure the cash makes it to the receiver’s account.

Based on OnJuno, the transfers are quick and low-cost.


OnJuno education

The OnJuno web site presents instructional guides that present professional insights on varied monetary matters.

The topics embody:

  • Budgeting
  • 401k
  • Investing
  • Constructing Credit score
  • Mortgages

Every matter features a detailed article explaining key ideas and actionable options the reader can implement to assist them obtain the monetary objectives they could have which are related to the topic.

Buyer Opinions

Whereas it’s new to the scene, OnJuno appears to be incomes constructive suggestions from its prospects. 

Right here is how the platform stacks up on the varied ranking web sites:

Web site Ranking Variety of Opinions
Trustpilot 4.4 out of 5 178
Apple App Retailer 4.2 out of 5 262
Google Play 4.2 out of 5 238

These are some evaluations from present prospects:

“Customer support is superb and I like the progressive new merchandise they provide.” – Brayden 

“Tremendous quick customer support, very pleasant, and the perks in comparison with conventional banks are on an entire new degree. Lastly really feel like my financial institution has my again, and never simply my again pocket.” – Morgan Stites

“Had a difficulty and so they resolved it instantly! Love the app, and the financial institution. Help is fast, pleasant and glorious. App design and consumer expertise is prime notch!” – Matt Wedan

Onjuno is by far the BEST financial institution you can ever want for. They’ve so many money again incentives! You may choose your favourite shops you store usually & get money again from that… A financial institution like no different!” – Amie Graham


Earlier than you join OnJuno, these ceaselessly requested questions can assist you identify if it’s best for you.

Is OnJuno legit?

Sure, OnJuno is a professional fintech firm that’s providing a revolutionary all-in-one crypto-friendly checking account. The platform has the suitable safety protocols in place to guard your property. 

Is OnJuno FDIC-insured?

Sure and no. Whereas OnJuno is just not a financial institution, it really works with Evolve Financial institution and Belief to supply money deposit merchandise. By means of this partnership, OnJuno money deposits are FDIC insured as much as $250,000. 

Needless to say any cryptocurrency held by way of OnJuno is just not FDIC-insured. 

Is my crypto protected with OnJuno?

Sure, OnJuno works with BitGo to maintain your cryptocurrency protected. The vast majority of the cryptocurrency deposits are held in chilly storage with trusted and licensed custodians. 

Consequently, you may breathe simple figuring out that your crypto is protected with OnJuno. 

Does OnJuno have an app?

Sure, OnJuno has a cellular app. You’ll find it within the Apple App Retailer and the Google Play Retailer. 

Primarily based on the constructive evaluations, you must have a pleasing expertise with both of those cellular apps. 

Does OnJuno have Zelle?

Sure, OnJuno presents a simple technique to sync your account to ship cash through Zelle. 

What buyer help choices does OnJuno supply?

Whereas OnJuno doesn’t supply any bodily branches, you may attain out to their customer support crew to get the solutions you want. 

Help is out there through telephone Monday by way of Friday from 9 a.m to six p.m. PST and thru chat Monday by way of Friday from 5 a.m to six p.m. PST. The platform additionally has FAQs and a assist middle on their web site


OnJuno is a helpful choice for anybody who needs to mix their banking and crypto wants into one platform. 

The service presents the chance to handle these two private finance wants in a single user-friendly app. This simplifies the method of holding observe of your funds.

If you wish to make monitoring your banking and crypto investments simpler, think about making the most of OnJuno. 



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