The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. Personal Finance Insider is Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love. You can track how much has gone to the cause in your app.Įvelyn He is a compliance associate at Insider who supports the Personal Finance Insider team. Porte matches 0.05% of every purchase you make and gives that money to the organization. Supporting a charity won't cost you anything. Select to help the Humane Society of the United States, Save the Children, or GLAAD (an LGTBQ+ advocacy group). Porte is a good option if you want to support a charity, though. If you want to know what you're getting ahead of time, you may want to go with Juno. Porte offers good cash back perks, but the offers change every 30 to 45 days. Porte doesn't pay interest on checking balances, but it does pay 0.50% to 3.00% Annual Percentage Yield (APY) on savings. You may prefer Porte if you want to open both a checking and savings account. So your choice between the two could come down to which would benefit you more - a high interest rate or cash back. Meanwhile, Juno pays you 5% cash back on a limited amount of purchases, and you can only choose five companies to earn rewards with. It lets you earn up to 10% cash back with numerous retailers on an unlimited amount of purchases. But you'll probably still earn more interest with Juno, thanks to its higher rate on lower balances.Ĭheese's cash back rewards are stronger, though. Cheese is specifically for immigrants and Asian Americans it donates money to Asian American nonprofits and offers cash back at certain Asian American-owned businesses.Ĭheese's rate is comparable with Juno's lower-tier rate. Both companies make it easy for immigrants to sign up. Juno and Cheese both offer high-yield checking accounts. Between the clear history and strong BBB rating, you may decide you feel comfortable banking with Juno. Neither Evolve Bank & Trust nor Juno have any recent public scandals. The Better Business Bureau gives Juno's partner bank, Evolve Bank & Trust, an A+ rating. The BBB measures trustworthiness by assessing a company's responses to customer complaints, honesty in advertising, and transparency about business practices. Your deposits are FDIC insured for up to $250,000 through Juno's partner bank, Evolve Bank & Trust. The response time just may not be as fast. A customer service agent told Insider the company tries to have someone online 24/7, so you can still chat online outside of regular hours. Or chat online seven days per week, 5:00 a.m. If a purchase would overdraw your account, Juno denies the transaction.Ĭall customer support Monday through Friday, 9 a.m. There are no overdraft fees, but you also don't have the option to overdraw. In this case, Juno refunds one fee per month on a Basic account and three per month for a Metal account. Juno doesn't charge you for using an out-of-network ATM, but the ATM provider might. You can use 85,000 Allpoint and MoneyPass ATMs nationwide for free. You may also earn up to 3% annually on USDC and 6% annually on BTC and ETH in your Juno Wallet. With Juno, you can earn 5% cash back on cash purchases or crypto purchases on up to $500 with the Juno Basic, and on up to $6,000 with the Juno Metal. All you need to open an account is a Social Security number and passport. The website specifies that Juno makes it easy for immigrants to qualify. Juno does not provide joint checking accounts. Juno Basic is its free version, and Juno Metal is its premium version that you must maintain a qualifying direct deposit of $250 per month for. The only thing that is changing is the company's name. Existing Juno customers will still have the same account and services. Juno is a digital banking platform that was previously known as OnJuno. The downside is that Juno Metal requires that you maintain a qualifying direct deposit of $250 or more per month to stay with the metal account status. You'll receive cash back on up to $6,000 of spending per year, and receive more refunds for any out-of-network ATM fees. Juno Metal is like the Basic account, but with a few more perks. Read Our Review A looong arrow, pointing right
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