Cash Rewards Checking

Introducing Cash Rewards

Put more money in your pocket.

Ready for a checking account that earns 1.50% cash back? It takes less than 7 minutes to get started.

Have your government-issued ID handy
Minimum $500 to open

Cash Rewards Benefits


Surcharge-free ATMs


Cash back


No monthly fees. Ever.

Included with Your Cash Rewards Checking Account

Debit Card Icon

Debit MasterCard®

Keep your transactions secure.

ATM icon

Surcharge-free ATMs

Featured at Target, CVS, Kroger, and more!

Email Alerts Icon

Email Account Alerts

Always stay up-to-date with your account.

No Fees Icon

No Monthly Fees

Because your money shouldn't cost you.

Mobile Banking Icon

Quontic Bank Mobile App

Access your account anywhere, anytime.

Check Icon

Mobile Check Deposit

Save a trek to the bank.

Online Banking Icon

Online Banking

Manage your finances straight from the web.

Google Pay

Google Pay

Make purchases online, in-app, or in-store.

Apple Pay

Apple Pay

Pay in-person, in-store, or online.

Samsung Pay

Samsung Pay

Pay in-person or online with just a tap.



Receive and send payments directly.

Savings Made Simple Program

Savings Made Simple Program

Purchases round up to the next whole dollar & the difference goes to your savings.

Earn more for your everyday expenses.

Enjoy your cash back reward at the end of each statement cycle.

Cash Rewards Checking
Cash Back Rate
1.50% with qualifying transactions1
Monthly Fee
Minimum Opening Deposit
Cash Rewards Checking
Frequently Asked Questions
Just click on Open Account to begin our secure account opening process – it takes less than 7 minutes! We recommend using a mobile device to complete your application as fast as possible. Have a copy of your government-issued ID ready to upload. You will also need to enter your name, address, date of birth, and social security number.

You can open an account with as little as $500.

You can transfer funds from an existing bank account via ACH transfer or by mailing a check to:

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

Just use your Quontic Debit MasterCard® for everyday purchases! Qualifying transactions include anything except ATM withdrawals or peer-to-peer payments through programs such as Venmo or Zelle®.

Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.

You won’t have to pay ATM fees when you use your Quontic Bank MasterCard® at any 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.

Yes! You can withdraw money like any other checking account.

Absolutely! Once you open a Cash Rewards Checking Account, you will be able to sign up for Online and Mobile Banking to easily manage your finances and make deposits via our mobile check deposit feature. You can also set up direct deposit, mail in checks, or deposit money via ACH or by wire.

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 us directly using the number below.

Email Us

Please fill out the form below.

Amplify Interest Checking

Shock your account and grow your green with Amplify Interest Checking!

High Yield Savings

Stash your cash and let our top-tier interest rate boost your savings.

Money Market Account

Let our Money Market2 work for you by increasing your funds with up to 2.20% APY.3

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 the bonus is credited, accrued bonus may be forfeited for that statement cycle. Fees could reduce earnings. 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. 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. Application is subject to approval & further review. Information is accurate as of the date listed below and may change without notice.

January 6, 2020

1 Qualifying transactions include any purchase made with a Cash Rewards account and exclude ATM withdrawals or transactions through peer-to-peer programs.

2 Money Market accounts & savings accounts are subject to excess withdrawal fees processed over the six allowed transactions per statement cycle.

3 APY means Annual Percentage Yield.