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Jiko Gets You Access to This Historically Safe Investment


Jiko Gets You Access to This Historically Safe Investment

Have you ever heard of investing in Treasury bills? We bet most of you haven’t — but that’s because Treasury bills are not usually an investment strategy for everyday people (and no, they’re not the bonds your grandma used to give you).

But here’s why we think they should be: U.S. Treasury bills (T-bills) are a historically safe investment backed by the U.S. government. If you compare them to other investment products, they don’t offer the highest yield, but they are regarded as historically safe and stable investments1. In fact, they’re such a safe and liquid investment, it’s common for banks to buy Treasury bills with the money you deposit — and they keep any earnings.

So instead of letting the big banks reap all the rewards, Jiko has developed a platform designed to make T-bills accessible for everyday people. A Jiko account keeps you invested while providing a similar spending experience you’d expect from a checking account. Plus, with Jiko’s debit card cashback rewards program, you can receive 1% cash back2 on top of that.

Jiko has cut out the middleman and created a new, safer, much more transparent way for you to store and spend your money. The Jiko account includes both a bank and a brokerage account in one app, so you can have more control with your money than ever.

Invest in Treasury Bills — Without Having to Lock Your Money Away

When you open an account with Jiko, your money will be invested in Treasury Bills in $100 increments. Jiko accounts performed to an equivalent yield of 1.71% for 20203.

But the true innovation is not just in the earnings. Normally an investment like this can take  hours, or even days, to liquidate — but with a Jiko debit card, you can access your money in real time4.

Jiko’s debit card has no hidden fees, no credit check, and you can receive 1% cashback on qualifying purchases. That’s on top of the yield on investment you could make each year.

If you’re looking for a unique — but safe — way to grow your money, open an account with Jiko. It takes about 10 minutes to fill out your information (which will include your SSN), but you’ll have both a bank account and an investment account set up when your account is opened5.

Jiko memberships are free until subscription plans are introduced later this year.

By using Jiko, you’ll have access to one of the most historically safe investments in the country, have the potential to earn interest and be in total control of how you spend it4.

1US 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. Securities investments: Not FDIC insured; No bank guarantee; May lose value.

2Cashback rewards apply to qualifying purchases only. See our Reward Program Terms for more information.

3Jiko accounts performed to an equivalent yield of 1.71% from Jan. 1, 2020 to Dec. 31, 2020. Past performance is not indicative of future returns. 

4Subject to current limitations. Learn more here.

5In some cases, accounts may be subject to additional review to be in accordance with financial laws and regulations, including the USA Patriot Act. Additional review could take up (but is not limited) to 5 business days. You may be asked to present documentation to verify your personal information.

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.

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

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