Jiko: Spendable T-Bills3.0.1 - App Store

Jiko Pockets combine the yield and safety of U.S. T-bills with the everyday features of a checking account. Trusted by some of the largest institutions to manage millions in corporate cash, Jiko Pockets are made available to individuals through the Jiko app. Here’s what you get with a Jiko Pocket:

YIELD & CASHBACK
Jiko’s automated trading technology keeps your cash invested in T-bills so you can access the safety and competitive yield of government-backed T-bills without having to trade them yourself. Your earnings are updated in real time on the Jiko app and may be tax-exempt at the state and local level(1). Plus, you can earn 1% cashback on debit card purchases(2).

TRANSFERS & TRANSACTIONS
Jiko’s innovation is making T-bills spendable. You can access and spend your balances by using Jiko debit cards or initiating a transfer. When you initiate a transaction, your investments are automatically liquidated in real time, 24/7, to cover the cost of your purchase.

SAFETY & SECURITY
Save and spend with confidence, knowing your funds are held in one of the safest investments available rather than having your assets lent out by a bank or commingled with other customers’ funds.

The Jiko app also includes additional security features to keep your money and information safe, including the ability to lock or disable swipes on your debit card and generate unique account numbers and virtual cards tied to your Pocket(3).

ABOUT JIKO
Jiko is a national bank and technology platform that replaces traditional cash deposits with direct, real-time investment in U.S. Treasury bills. Pockets keep your cash invested in T-bills, in your name, earning the “risk-free” rate of T-bills, with no lending, no leverage, and no commingled exposure.

DISCLOSURES

INVESTMENTS IN T-BILLS:
NOT FDIC INSURED . NO BANK GUARANTEE . MAY LOSE VALUE

All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org.

Banking services provided by Jiko Bank, a division of Mid-Central National Bank.

Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck (https://brokercheck.finra.org/firm/summary/287507), Jiko U.S. Treasuries Risk Disclosures (https://jiko.io/docs/disclosures.pdf) and Jiko Securities Inc. Form CRS (https://jiko.io/docs/CRSRelationshipSummary.pdf). Fees apply.

Illustrations are not representative of future or past performance.

1 - Jiko does not provide tax or legal advice. Please consult your financial advisor or tax professional for advice.

2 - Cashback rewards apply to qualifying purchases only. See our Reward Program Terms for more information: https://jiko.io/docs/RewardProgram.pdf.

3 - Subject to current limitations. Learn more at https://jiko.io/docs/limitations.pdf

Version History Bug fixes and general improvements 3.0.1 Sep 25 New look, organization, and account terminology 3.0.0 Sep 21 [^] Bug fixes and general improvements. 2.1.6 Aug 17 [^] Bug fixes and general improvements. 2.1.5 Aug 12 [^] Bug fixes and general improvements. 2.1.4 May 5 [^] Bug fixes and general improvements. 2.1.3 Apr 2 [^] Bug fixes and general improvements. 2.1.2 Mar 19 [^] Bug fixes and general improvements. 2.1.1 Feb 17 [^] Bug fixes and general improvements. 2.1.0 Jan 29 [^] Bug fixes and general improvements. 2.0.9 Jan 14 [^] Bug fixes and general improvements. 2.0.8 12/09/2025 [^] Bug fixes and general improvements. 2.0.7 10/08/2025 [^] Bug fixes and general improvements. 2.0.6 09/05/2025 [^] Bug fixes and general improvements. 2.0.5 07/10/2025 [^] Bug fixes and general improvements. 2.0.4 11/21/2024 WHAT’S IMPROVED

[^] Bug fixes and general improvements. 2.0.3 10/28/2024 WHAT’S IMPROVED

[^] Bug fixes and general improvements. 2.0.2 07/21/2024 WHAT’S IMPROVED

[^] Bug fixes and general improvements. 2.0.1 07/17/2024 WHAT’S IMPROVED
[^] Bug fixes and general improvements.
[^] New look and feel. 2.0.0 06/26/2024 WHAT’S IMPROVED
[^] Bug fixes and general improvements. 1.8.3 02/28/2024 WHAT’S IMPROVED
[^] Bug fixes and general improvements. 1.8.2 01/02/2024 WHAT’S IMPROVED
[^] Bug fixes and general improvements. 1.8.1 10/11/2023 WHAT’S IMPROVED
[^] Bug fixes and general improvements. 1.8.0 09/27/2023 WHAT’S IMPROVED
[^] Bug fixes and general improvements. 1.7.9 09/12/2023 WHAT’S IMPROVED
[^] Bug fixes and general improvements. 1.7.8 07/24/2023