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Jiko Limitations Disclosure

Revised September 19, 2019


Jiko Bank, a division of Mid-Central Federal Savings Bank



These Jiko Limitations Disclosures set forth certain dollar amount or frequency limitations that govern the electronic funds transfers with your Jiko Bank Account (“Bank Account”) with Jiko Bank, a division of Mid-Central Federal Savings Bank, and when made available to you, the card transactions made with your Jiko Solid Debit Card (“Physical Card”) and/ or your Jiko Virtual Cards (“Virtual Card” and collectively with the Physical Card, the “Card”). These Limitations Disclosures are referred to in certain provisions of the Jiko Bank Account Agreement and the Jiko SolidTM Debit Card Agreement and Disclosure Statement, and you should refer to these Limitations Disclosures as currently in effect when reviewing those provisions

We may, in our sole discretion, change the limits below immediately and without prior notice at any time, and the latest version of the Limitations Disclosures is always available on the Jiko App and at https://jiko.io/limitations. You will receive prior notice by email and/or through the Jiko App no later than 30 days prior to a change if the change will result in increased fees, increased liability for you, fewer types of available transactions or stricter limitations on the frequency or dollar amount of transactions.

Transfers to and from External Linked Account through the Jiko App

You can transfer funds in and from your Jiko Bank Account from and to your linked account at another financial institution (“External Linked Account”) through the Jiko App.

  Electronic Funds Transfer (in/out) Wire (in and out)
Per Transaction $100,000 $0
Per Day 1 $0


Limits on transfer requests other than those involving the External Linked Account initiated through the Jiko App

Electronic Funds Transfer (in) Electronic Funds Transfer (out) Wire (in and out) Direct Deposits
$0/transaction $0/transaction $0/transaction $0/transaction


Automated and authorized transfers to and from the Bank Account with respect to your Jiko Brokerage Account

  Electronic Funds Transfer (in/out)
Per Transaction Unlimited
Per Day Unlimited


Card Transactions

The Jiko Solid debit card is issued by Jiko Bank, a division of Mid-Central Federal Savings Bank, and can be used anywhere on the Discover, Pulse and NYCE networks.

Physical Card

Point of Sale purchase ATM Withdrawal Online Purchase Daily Combined
$100 $100 $0 $100


Virtual Card

Point of Sale purchase ATM Withdrawal Online Purchase Daily Combined
$0 $0 $0 $0





Questions? Please contact us at:

The Jiko Team
2000 Allston Way, PO Box 327
Berkeley, CA 94701

1-833-333-JIKO
hello@jiko.io