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Our Model

We make money storage and movement efficient.

Invest with clarity

Unlike traditional banks, we invest your money in government-backed Treasury Bills, which are sold in real time when a purchase is made. 1 You receive 100% of the earnings from your investment and can spend your money from our debit cards and ACH portals with the same ease as you spend with a checking account.

Operate independently

We work for you. Our technology is our own -- free of intermediaries -- which empowers us to serve you without relying on card processors, external banks, or technology partners.

Build Trust

We operate in service to our members, and do so with safety at our core. As owners of a national banking charter and broker-dealer license, we’re regulated and held to the same strict safety standards of any major U.S. financial institution.

Why banking needs an upgrade

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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 Bank Guarantee • May Lose Value • Not FDIC insured

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: May lose value. Are not FDIC insured. No bank guarantee.
  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, when available, will be 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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