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.
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.
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.
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.
Leverage resources (financial, technology, people) for maximum results.
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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, Delaware, Georgia, Iowa, Kansas, Maryland, Massachusetts, Michigan, Missouri, Montana, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, 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 Point of Sale (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.The following are not Qualifying POS Debit Card Transactions and do not count toward earning Bitcoin Rewards: ATM-processed transactions; transfers between accounts; purchases made with debit cards not issued by the Bank; cash over portions of POS 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 (services such as Venmo® and PayPal™, who also provide P2P payments). Information is published as of March 11, 2021.