Supercharge your income

High Interest Checking

Quontic-card

Up to

1.01%

Annual Percentage Yield2

0

Monthly Fees

90,000+

Surcharge-free ATMs

Minimum opening deposit: $100. Requirement: 15 qualifying point of sale debit card transactions2. Open your account in 3 minutes or less!

Member FDIC

Sorry! Due to system upgrades, we are not accepting additional accounts for this product at this time.

Quontic-card

Supercharge your income

High Interest Checking

Up to

1.01%

Annual Percentage Yield2

0

Monthly Fees

90,000+

Surcharge-free ATMs

Minimum opening deposit: $100. Requirement: 15 qualifying point of sale debit card transactions.2 Open your account in 3 minutes or less!

Sorry! Due to system upgrades, we are not accepting additional accounts for this product at this time.

Member FDIC

Top Online Bank 2020!

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

Plan to deposit over $250,000?

Meet PLUS by Quontic!

Bank with the card that earns you more.

Bank with the card that earns you more.

To start earning up to 1.01% APY1

To start earning up to 1.01% APY1

Surcharge-free ATMs

90,000+

With your Quontic Debit Card.

At any participate AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.
Logos together - Target, Walgreens, Speedway, CVS and Kroger

Transparency

0

Monthly service fees.

Open a High Interest Checking Account in 3 minutes or less and experience banking with no hidden fees. Yes, zero monthly fees. Ever!

Effortlessly transfer money with our trusted partners.

Google pay logo
Apple pay logo
 Samsung pay icon
Zelle logo

Pay in-person, online, or transfer money with ZELLE®, Samsung Pay®, Google PayTM, and Apple Pay®.

Apple_Pay_Mark
Zelle-logo-no-tagline-RGB-purple
GooglePay_mark_800_gray_3x
Pay in-person, online, or transfer money with ZELLE®, Samsung Pay®, Google PayTM and Apple Pay®.

Mobile App

24/7 access

Manage your money

Whenever, wherever

Phone design

Mobile App

24/7 access

Manage your money

Whenever, wherever

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.

Frequently Asked Questions

Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!

You can open an account with as little as $100.

You can transfer funds from an existing Quontic Bank account, from an account at another bank, by ACH transfer, or by mailing us a check.

Our mailing address is:
Quontic Bank
31-05 Broadway
Astoria, NY 11106
Attn: New Accounts
Please do NOT mail cash!

Yes, you can spend your money like any other checking account. You will be able to sign up for Online Banking, Mobile Banking and be provided with a Quontic Debit Card.

Yes! You can easily add money to your account through remote check deposit via our convenient Mobile App, by setting up direct deposit from your work, by mailing a check, depositing money via ACH, or by wire.

You won’t have to pay ATM fees when you use your Quontic Debit Card at any
participating AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.

Interest is compounded daily and credited to your account monthly using the daily balance method. In order to earn the advertised APY1, you must make 15 point-of-sale debit card transactions per statement cycle. If the conditions are not met, the account will earn the base APY1.

You will start earning interest the business day we receive your opening deposit. Interest will be paid once per monthly statement period.

Sorry! Due to system upgrades, we are not accepting additional accounts for this product at this time.

Contact Us Today

If you have any questions or require additional information, you can reach us via live chat, phone, our online form, or by emailing [email protected].

Live Chat

Chat directly with our customer service agents.

Call

Call us directly using the number below.

Email Us

Please fill out the form below.

* Indicates a required field

Disclaimer:

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. 

October 1, 2020
1 APY means Annual Percentage Yield.
2 The 1.01% APY is based on fulfilling the following minimum qualifying activity requirements per statement cycle:
  • A daily balance less than or equal to $1,000,000.01,
  • 15 qualifying point of sale debit card transactions. If any of the qualifying activity requirements are not met, the account will earn 0.01% APY and interest rate.

Apple Pay is a registered trademark of Apple Inc.

©2018 Google LLC, used with permission. Google and the Google logo are registered trademarks of Google LLC.

The Samsung Pay® logo are registered trademarks of Samsung Electronics Co., Ltd.