Juno is a new fintech bank checking account with a combination of nice-looking features:

  • 2.15% APY guaranteed for 1 year for first 1,000 sign-ups who link a bank account. Their Twitter accounts says 800 spots left as of 3/23.
  • 5% cash back on 5 brands of your choice, on up to $3,000 in debit card spend. Examples shown include Costco, Amazon, Walmart.com, Target.com, Uber Eats, Doordash, Dunkin, and Starbucks. This is a permanent feature.
  • $25 bonus on first deposit if opened via referral link. The referrer gets $25 as well. That’s mine, thanks if you use it!
  • No minimum balance requirement, no maintenance fees, no ATM fees.
  • FDIC-insured through partner bank.

After the Fed rate cut to zero, 2.15% APY for 1 year is better than any 12-month CD out there, and this is a 100% liquid checking account. During my application process, it seemed that I could only get this “Priority Access” if I linked my external checking account. They use Plaid for linking data, which is a legit service (now owned by Visa) that I am familiar with.

The 5% cash back on Costco definitely caught my eye, as I spend thousands there every year:

At first glance, this look like another in a crowded field of banks. The high APY, high cash back rewards, and an upfront bonus helped it stand out. However, if I can really get 5% cash back at Costco, this one is a keeper! For now, I just quickly signed up for Juno to lock in the guaranteed APY.

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Juno: 2.15% APY Guaranteed for 1 Year, 5% Cash Back, $25 Referral Bonus from My Money Blog.

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