A new way to save and spend
Jiko banking and brokerage
Introducing the powerful alternative you’ve been waiting for.
Illustration not representative of past or future performance.
A new way to save and spend
Jiko banking and brokerage
Introducing the powerful alternative you’ve been waiting for.
Illustration not representative of past or future performance.
Invested. Spendable. Rewarding.
Keep your money invested and accessible in government-backed US Treasury bills.
Add Jiko to your financial toolbox
Do more with your money
Illustration not representative of past or future performance.
The Jiko difference
Inspired Trust
An institution founded on transparency and fairness.
Growing Together
Committed to serving all communities.
Safety at the Core
Innovative technology designed for your privacy and protection.
"It's so nice to see my money grow a little bit each time I log in. I am not used to this!"
Sandra, 60
"... I love the Jiko app. I actually check it more than I thought I would (every day). Once you guys have direct deposit and bill pay functionality I will never use my [other bank] account again"
Doug, 29
These testimonials may not be representative of the experience of other customers and are not a guarantee of future performance or success.
About Jiko
Jiko is offered by a financial institution that thrives on efficiency to empower people.
The Jiko app offers banking and brokerage services from your phone to offer a powerful alternative to traditional banking.
Our team is headquartered in California with offices in New York and Iceland. Every day, we’re working to expand the Jiko experience for our early adopters. We’re committed to engineering new features that support our vision: A world where everyone has the opportunity to control and benefit from their money.
Still have questions?
Browse our most frequently asked questions.
What's a T-Bill?
T-Bills are short-term bonds backed by the "full faith and credit" of the US federal government. Each T-Bill comes with a set of fixed terms, including a maturity date and face value to be repaid.
T-Bills are sold at auction by the federal government to finance operations and service existing debt. Unlike stocks, which may pay dividends to investors, T-Bills remit only the full amount of the bond to holders. Known as “zero-coupon bonds,” T-Bills provide returns based on the difference between the purchase price at auction and full par value. The deeper the discount, the greater the return.
How do I sign up?
You can download the beta app from the App Store or the Play Store to join our waitlist. We’ll notify you by email when your Jiko is ready. Depending on your state of residence, your wait time may vary from a few days to several weeks.
The beta release is available to US residents who are 18 and older with a valid Social Security number, domestic phone number, and domestic residential address.
Where does “Jiko” come from?
Jiko means “self” in japanese (自己). By cutting off the middle-man and empowering you with your money, we hope to offer you the most convenient and rewarding financial experience.
Is my money FDIC insured with a Jiko?
FDIC insurance does not apply as your money is invested in securities through your Jiko brokerage account held at Jiko Securities, Inc. member SIPC. Securities held in your account are protected up to $500,000. See www.sipc.org for more details and a brochure.
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Jiko keeps you invested in US Treasury Bills.
US Treasury Bills are securities backed by the "full faith and credit" of the US government
Securities investments:
No FDIC insurance. No bank guarantee. May lose value.
Securities are offered by Jiko Securities, Inc. (“JSI”), acting as the principal carrying firm. JSI is a member of the Financial Industry Regulatory Authority, Inc. (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). All your securities and funds are held in an omnibus account at Apex Clearing Corporation, pursuant to the U.S. Securities and Exchange Commission Rule 15c3-3 customer protection rules. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
See FINRA BrokerCheck and Jiko U.S. Treasuries Risk Disclosures
Banking services provided by Jiko Bank, a division of Mid-Central Federal Savings Bank. The Jiko Solid debit card, when available, will be issued by Jiko Bank, a division of Mid-Central Federal Savings Bank, and can be used anywhere on the Discover, Pulse, and NYCE networks.