Invest in real estate with a DSCR loan

Qualify using income generated by the investment property. First time or seasoned homebuyers are eligible.

The digital bank
on a mission

We’re more than just an innovative digital bank. Quontic is a CDFI (Community Development Financial Institution), which means we can make the dream of homeownership real for a wider range of people including the self-employed, small business owners, immigrants, people of color, and other outside⁠-⁠the⁠-⁠box borrowers.

Expect more from your bank

Quontic is raising the bar. If you’ve found your way to Quontic for our highly competitive rates and easy-to-use online banking, we invite you to stay for everything else that makes us a digital bank with a heart: great customer service, constant innovation, and a team that’s always working to make banking better for you.

Earn up to 1.10% APY1
Earn up to 4.25% APY1
Earn up to 5.15% APY2


Quontic Pay Ring

A wearable payment device that is the first of its kind. Free with your Quontic checking account.

Loans as unique as you are

Quontic offers flexible mortgage loan solutions. We assess your full financial profile, not just stacks of statements. Our Community Development Loans are for borrowers with good credit who may not show consistent income on paper. We also offer conventional mortgage loans as well as FHA and VA.
Find the mortgage that meets your needs
Lower your payment or get cash


Community Development Loans

A one-of-a-kind mortgage solution that is flexible based on your full financial profile.3

Banking has evolved

From our Bitcoin rewards account to offering a wearable payment device to being the first digital bank in the Metaverse, Quontic is pushing the boundaries of what a bank should be. We’ve achieved a lot so far as innovators, which has earned us recognition. Learn more about the bank that Money named The Most Innovative Bank of 2021.
As an all-digital bank and a member of the FDIC, the security of our customers’ data is our prime concern. Learn more about how we keep you protected in our Bank Security Center.


1Rate is as of May 11, 2023 and is subject to change. Rates may vary per product type. Ask for details.

2Certificate of Deposit. Minimum $500 to open account. Withdrawals before the maturity date are subject to penalties. Fees could reduce earnings. Additional terms, conditions, fees & exclusions may apply. Annual Percentage Yield (APY) and information is accurate and effective as of March 30, 2023. Subject to change without notice.

3Quontic Bank is not affiliated with or acting on behalf of or at the direction of Federal Housing Authority (FHA) or any government agency or government sponsored entity. All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of November 2, 2022 & is subject to change without notice.