What if your debit card was a ring?

Introducing the Pay Ring, a wearable payment device that is the first of its kind. Free with your Quontic checking account. Open an account online in 3 minutes with as little as $100.1
nerdwallet: 4.5 out of 5 stars
Bankrate: 4.7 out of 5 stars
Forbes Best Overall Online Bank 2022
smartasset: 4.8 out of 5 stars
GoBankingRates: 4.5 out of 5 stars
Bankrate rating: 4.7 out of 5 stars
GOBankingRates rating: 4.5 out of 5 stars
Forbes Best Overall Online Bank 2022
smartasset rating: 4.8 out of 5 stars
Nerdwallet rating: 4.5 of 5 stars

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% APY2
Earn up to 3.20% APY2
Earn up to 4.45% APY3

FEATURED ACCOUNT:

High Yield Savings

Grow your money with a rate that’s over 14x higher than the national average.4 No monthly service fees.5

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

FEATURED HOME LOAN SOLUTION:

Community Development Loans

A one-of-a-kind mortgage solution that is flexible based on your full financial profile.6

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.

Disclaimer:

1High Interest Checking Account is a conditional tiered variable rate account wherein you must deposit $100.00 to open this account. After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. If the qualifying activity requirement is NOT fulfilled, the annual percentage yield on the balance will be 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. 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. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of September 26, 2022 and may change without notice.

2Rate is as of November 23, 2022 and is subject to change. Rates may vary per product type. Ask for details.

3Certificate 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 November 23, 2022. Subject to change without notice.

4National Average APY information as of November 23, 2022, according to the FDIC National Rates and Rate Caps.

5High Yield Savings Account – $100 to open account. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. 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. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is as of November 23, 2022.

6Quontic 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.