Grow Your Money WITH PURPOSE

A bank isn’t just a place to park your money. With Quontic, earn higher rates, pay lower fees and help support your community.

Quontic is an adaptive digital bank on a mission, and one of only 3% of banks with a CDFI designation. This means that we use the deposits from our award-winning and highly rated accounts to bring the dream of homeownership to low-income families, immigrants, people of color, small business owners, and others who are unable to obtain home mortgage financing through traditional mortgage channels. When you bank with us, you’re our partner in delivering on our mission.

Proud To Be A CDFI

Quontic has earned a Community Development Financial Institution designation by the U.S. Treasury to deliver on its mission to elevate the financial strength of low-income Americans.

Best Online Bank

Our competitive APY’s, low minimum deposits, access to thousands of free ATM’s nationwide, and more have earned us recognition as a Best Online Bank.

Highly Rated

From our 4.9 rating on Zillow to our 4.6 rating on Google, our focus on delivering the best outcomes for our customers shines through in our reviews.

Proud To Be A CDFI

Quontic has earned a Community Development Financial Institution designation by the U.S. Treasury to deliver on its mission to elevate the financial strength of low-income Americans.

Best Online Bank

Our competitive APY’s, low minimum deposits, access to thousands of free ATM’s nationwide, and more have earned us recognition as a Top Online Bank.

Highly Rated

From our 4.9 rating on Zillow to our 4.6 rating on Google, our focus on delivering the best outcomes for our customers shines through in our reviews.

With some of the best rates and rewards in the business, our award-winning deposit accounts are designed to help build your wealth, your way. With Quontic, you can manage your checking accounts, savings accounts, or certificates of deposit with ease. You’ve worked hard to make your money, we’re working hard to keep it safe, secure, and thriving.

Earn up to 1.01% APY

Earn up to 0.55% APY

Earn up to 1.00% APY

FEATURED ACCOUNT

Bitcoin Rewards Checking

Get 1.5% Bitcoin on all eligible debit card purchases.¹ Minimum $100 to open an account.

Quontic offers home loans that range from conventional purchase and refinance to FHA, VA, and Reverse mortgages. Have confidence in working with our experienced loan officers and seamless financing process. We’re eliminating all of the myths you’ve come to know about mortgages with our unique loans, our speed, and our attention to detail.

Find the mortgage to meet your needs.

Lower your payment or get cash out.

FEATURED MORTGAGE SOLUTION

Community Development Loans

Purchase or refinance your home based on your full financial story, not just what your tax documents say about you as a borrower.²

Personal Finance Articles

I want to refinance my mortgage. Where do I start?

No Doc Mortgages, Evolved.

Checking vs. Savings Accounts - Which one is best for me?

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.

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, District of Columbia, Florida, Georgia, Iowa, Kansas, Maine, Maryland, Massachusetts, Michigan, Mississippi, 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.

² 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 June 9, 2021 & is subject to change without notice.

July 6, 2021