Jiko: Spendable T-Bills 2.0.0

Jiko offers a convenient way to invest in T-bills, known for their safety and competitive yields, with easy access and liquidity. Your funds remain invested in T-bills with Jiko accounts, allowing you to earn yields tax-exempt at the state and local levels.

With Jiko debit cards, you can access your funds instantly and earn cashback on purchases. Your investments are liquidated in real time to cover expenses, providing a seamless spending experience.

Jiko ensures transparency and security by storing your funds in government-backed assets held at BNY Mellon. The Jiko Solid™ Debit Card offers a secure spending option with limited information displayed and the ability to lock the card from the app.

Jiko, as a vertically integrated bank holding company and registered broker-dealer, has developed secure software to facilitate money storage and movement, emphasizing the power of T-bills in financial transactions.

Investments in T-bills are not FDIC insured and may lose value. Jiko Securities, Inc., a registered broker-dealer, provides U.S. treasury investments and advisory services with account protection up to $500,000.

Banking services are offered through Jiko Bank, a division of Mid-Central National Bank. Jiko Group, Inc., and its affiliates do not offer legal, tax, or accounting advice, recommending consulting with appropriate professionals before making financial decisions.

Illustrations provided do not reflect past or future performance. Cashback rewards on qualifying purchases are subject to terms outlined in the Reward Program. Profit tax exemption from T-Bills varies by jurisdiction; consult with a financial advisor or tax professional for guidance. Additional details on limitations related to virtual cards can be found on the Jiko website.