No joint accounts 85,000 free ATMs nationwide Earn 2.15% APY on balances up to $5,000; 0.25% APY on balances of $5,001 to $100,000; no APY on balances over $100,000 Choose 5 companies to earn 5% cash back with, on spending up to $500 per year Interest compounded monthly, paid monthly FDIC insured through partner bank, Evolve Bank & Trust Related OnJuno Basic is a solid high-yield checking account. There's no minimum opening deposit or monthly maintenance fees. You'll earn 2.15% APY on balances up to $5,000, then 0.25% on balances up to $100,000. Even 0.25% APY is higher than what you'll earn with most checking accounts — or even savings accounts. OnJuno has a long list of companies you can earn cash back with. Choose five, and you'll earn 5% cash back on up to $500 of spending with those businesses each year.