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An innovative way to save, invest, and spend.

Spendable T-Bills Experience

A new kind of account that keeps your money invested in Treasury Bills 2 and liquidates them in real time as needed when you make a purchase.

Jiko Debit Cards

A safe and rewarding experience with unlimited 1% cashback 1, no credit score restrictions, and no risk of debt when you spend.

Safe Connection Portals

Generate multiple unique bank account numbers to safely manage your transactions and payments.

Open a Jiko Account

Download the Jiko app to sign up

Past performance not indicative of future returns.
For illustrative purposes only.

A transparent account running on a different fuel

Why T-Bills instead of deposits?

Treasury Bills are short-term debt instruments issued by the U.S. Treasury, and considered one of the safest investments available 2. As a popular investment with typically high liquidity and chance of yield, the first thing big banks and corporates tend to do is invest their cash in T-Bills. Historically, however, access to these investments for individuals has been limited, often paired with commissions or brokerage fees that eat away at the investment. With Jiko, access to Treasury Bills is direct and liquidation occurs when you spend with your Jiko Debit Card 3.

You get 100% of the earnings 2

Your earnings may be Tax exempt at the state and local level3

1 year performance4: 1.71% (as an equivalent annualized yield)

Cashback, right to your account

Our rewarding debit program

Most banks collect interchange income on each debit card swipe from the card network. This is normally kept by the bank as revenue. Jiko does not keep this income and instead passes it on to you in the form of cashback 1.

1% Cashback 1

No Credit requirements

No Risk of overspending

State-of-the-art connectivity: Jiko Portals

Multiple bank account numbers tied to your account

Using the same account and routing numbers for every third-party connected to your account introduces unnecessary risk, and makes keeping track of payments difficult. Jiko Portals allow you to create a unique account number for each merchant or institution linked to your account, so you can easily keep track of and delete connections from the app.

Control, Safety, and Privacy reinvented

Transparency at the core

Our model was created with transparency in mind. That’s why you know exactly where your money is at all times, the exact earnings your money generates, and how Jiko makes money.

Runs on a different fuel

Your funds are invested in US government-backed Treasury Bills in increments of $100, regarded as one of the most trustworthy financial assets in the world by investors, and insured by SIPC 2.

Unprecedented control

Jiko Portals allow you to generate unique bank account numbers for ACH transactions. This helps reduce the risk of fraudulent charges and gives you unprecedented control when it comes to managing payments.

Added security

The Jiko Solid™ Debit Cards we issue don’t display a card number, expiration date, or CVV, and are PIN protected.

Privacy is a precious asset

Privacy is a most precious asset: Jiko refuses to share or sell your data to third-parties. Our app doesn’t use external cookies or tracking for analytics or advertising.

A Financial Institution

We are an innovative technology company with a licensed broker-dealer and national bank charter. We’re proud to comply with the industry standards set by our federal regulators.

How we’re changing banking

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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:

Not FDIC insured • No Bank Guarantee • May Lose Value

Jiko, owned and operated by Jiko Technologies, Inc., makes available a unique combination of financial services provided by Jiko Technologies, Jiko Securities, Inc., a registered broker-dealer, and Jiko Bank, a division of Mid-Central National Bank, Member FDIC.

US Treasury securities (“Treasuries”) are issued by the federal government and are backed by the “full faith and credit” of the US government.
Learn more here. Past performance is not indicative of future performance.

  1. Cashback rewards apply to qualifying purchases only. See our Exclusive Rewards Terms for more information.
  2. Funds are invested in T-Bills in $100 increments. Aggregate funds in your Jiko Brokerage Account of less than $100 will remain in that account in cash. Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value.
  3. Profits from Treasury Bills may or may not be tax exempt at the state and local level. We do not provide tax or legal advice. Please refer to your financial advisor or tax professional for advice.
  4. Returns are calculated from January 1, 2020 to December 31, 2020. Past performance is not indicative of future returns.

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 National Bank, Member FDIC. The Jiko Debit Card is issued by Jiko Bank, a division of Mid-Central National Bank, and may be used wherever Discover cards are accepted to perform the transactions and subject to any dollar amount or frequency limitations set forth in the Limitations Disclosures.

This site is designed for US residents.
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