Top Online Bank 2020!

Our competitive APYs, low minimum deposits, access to thousands of free ATMs nationwide, and more have earned us a spot as a Top Online Bank of 2020 by Bankrate!

Proud To Be A CDFI

Quontic is one of only 2% of banks in the U.S. to earn a U.S Treasury CDFI designation for delivering on its mission to elevate the financial strength of low-income Americans.

Our Most Popular Accounts

High Interest Checking


Annual Percentage Yield

Earn interest on your account balance. Open your account in 3 minutes or less.

High Yield Savings


Annual Percentage Yield

Work smarter, not harder by opening a Quontic High Yield Savings account. Sit back, relax, and watch your money grow.

Bitcoin Rewards Checking


In Bitcoin Rewards

Introducing Bitcoin Rewards Checking from Quontic Bank – the first of its kind. We’re launching in select states to start.

Adaptive Digital Bank

Access your account anywhere, anytime with Quontic’s dynamic mobile app. Features like remote check deposit, bill pay, account transfers, and receipt tracking make mobile banking easy and fast.

Residential Mortgages

Quontic’s Community Development Loan program provides non-traditional access to prime capital that fosters homeownership for diverse underbanked individuals and families. We look beyond standard loan qualification metrics associated with traditional income verification. Instead, we consider the borrower’s overall financial and credit profile. That’s why we can offer this special no tax return/no-income verification mortgage loan.

Wholesale Mortgages

Quontic looks beyond the standard mortgage loan qualification metrics with our suite of CDL programs available nationwide.

Industry Leader in Transforming Bank Culture

Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products that transcend legacy banking inequities.

Strategic Anchors

Decision-making influencers for a better banking experience.

Innovative Deposit Products

Unique deposit products offering innovative features for niche audiences.

Adaptive Lending Solutions

We know that our customer’s borrowing needs are not ‘one size fits all’. Quontic is focused on providing loan solutions which are adaptive to our customers’ unique circumstance.

Maximum Leverage

Leverage resources (financial, technology, people) for maximum results.

Join Quontic Bank

Review our career opportunities to get started!


Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. Some accounts may require a minimum average daily balance for the statement cycle to avoid service charges. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. In order to sign up for online banking, you must have a Quontic Bank account. Mobile banking requires enrollment through online banking. Data connection required. Wireless carrier fees may apply. There is no charge from Quontic Bank for account alerts, but message & data rates may apply. Mobile check deposit is available for select mobile devices. Subject to eligibility & further review. Deposits are subject to verification & not available for immediate withdrawal. Deposit limits & other restrictions may apply. Online Account Opening is only available to consumers. Ask for details. Data connection required to open an account online. Wireless carrier fees may apply. Application is subject to approval & further review. Information is accurate as of the date listed below and may change without notice.
April 6, 2021

1Applications are subject to approval. There are geographic, regulatory, and other restrictions that may apply. Bitcoin Reward Checking is currently available in the states of Alabama, Arizona, Arkansas, California, Iowa, Maryland, Massachusetts, Missouri, Montana, New Mexico, New York, Pennsylvania, Utah, Wisconsin, and Wyoming. Bitcoin Reward Checking account is a non-interest bearing personal checking account, requires a minimum of $500.00 to open the account, and does not require a minimum daily balance to earn Bitcoin rewards. Qualifying POS Debit Card Transactions (“Eligible Debit Card Transactions”) shall receive Bitcoin Rewards at the U.S. dollar value of 1.50% on all Qualifying POS Debit Card Transactions that post and settle to the Bitcoin Rewards Checking Account during the prior monthly statement cycle. No Bitcoin Rewards will be paid if the Qualifying POS Debit Card Transaction requirements are not met or if the requirements for establishing an account with NYDIG Execution LLC (“NYDIG Account”), which is authorized by the New York State Department of Financial Services to engage in virtual currency business activity, are not met. Fees and terms are subject to change. Additional terms and conditions may apply. Balances of Bitcoin Rewards and/or digital assets in your NYDIG Account are not subject to Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) protections. Information is published as of February 2, 2021.