Bank with confidence and break new ground

With Quontic, you’re more than just an account number. We’re the bank for the innovators, the groundbreakers and the underdogs who define their own financial story. Open a Quontic checking account today.

No pockets? No problem

With the Quontic Pay Ring, always have access to your money with our
payment wearable. Leave your debit card behind and embrace the future of payments.
The Quontic Pay Ring is exclusively for Quontic Checking Account customers.

High Interest Checking

Earn up to 1.10% Annual Percentage Yield¹

Choose one of our most popular accounts and earn more interest than your standard online savings account, without overdraft fees. Open a High Interest Checking account and reap the benefits of 1.10% APY on all balance tiers when you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle. Failure to make qualifying transactions will result in 0.01% interest and APY. Minimum opening deposit of $100.

Bitcoin Rewards Checking

Get 1.5% Bitcoin on all eligible debit card purchases.²

Crypto connoisseurs – this is the online bank account for you. Bitcoin Rewards Checking allows you to swipe your card and earn bitcoin on everyday eligible purchases. It’s that easy. Don’t worry about overdraft fees…we don’t charge them. Open your account today with a minimum deposit of $500. Only available in select states.

Cash Rewards Checking

Get 1.00% cash back on all eligible debit card purchases.³

Get rewarded with a gift everyone loves – cash! You can earn cash back on eligible debit card purchases each statement cycle, without the penalty of overdraft fees. Put your Cash Rewards Checking account in motion with $100 minimum and three minutes.

Frequently Asked Questions

What do I need to open a checking account?

When you open an account, to validate your identify we will ask for:

your name
address
date of birth
social security number
a valid U.S. government-issued ID

There is a minimum required amount to open account. You will fund your account via online transfer from an account you have at another bank (during the online account opening process).

Please Note: You must be a U.S. Citizen and 18 years or older to open an account.

How do I make a direct deposit?

Setting up a direct deposit is easy with a Quontic Bank Account Switch Form. You may request an account switch form by emailing [email protected]. You may also contact the originator of the direct deposit for instructions on how to set one up.

What is Quontic's overdraft policy?

Overdraft Charge/Return Non-Sufficient Funds: Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.

To view all of Quontic’s fees, view our List of Fees

Do I get a debit card with a bitcoin rewards checking account?

Yes, you will receive a debit card after opening and funding your account.

As an all-digital, FDIC member bank, we take the charge of our customer’s data and account security very seriously. Learn more about our policies and how we keep you protected in our Bank Security Center.

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.

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 May 31, 2022 and may change without notice.

²Bitcoin 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. Fees and terms are subject to change. Additional terms and conditions may apply. 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”) are not met. 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). Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Bitcoin earned through this program can only be sold and redeemed for cash and cannot be transferred or spent.

Bitcoin execution and custody services are provided by NYDIG Execution LLC (“NYDIG”). NYDIG is authorized by the New York State Department of Financial Services to engage in virtual currency business activity. To receive bitcoin services an account will be opened with NYDIG in which your bitcoin will be held (the “NYDIG Account”). Please refer to NYDIG Terms and Conditions for more information, including applicable eligibility criteria. Bitcoin balances in your NYDIG Account are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other public or private insurer. NYDIG does not make any recommendations regarding buying or selling bitcoin. There are risks associated with bitcoin trading, including possible loss of value. See NYDIG Terms and Conditions. Individual transactions in the rewards program are not recorded on the blockchain. Information is published as of June 1, 2022.

³Cash Rewards Checking is a personal non-interest bearing account. You must deposit $100.00 to open this account. No minimum daily balance required to receive the cash back reward and no monthly maintenance fee. Fees reduce earnings. Qualifying point of sale (POS) debit card transactions (“Eligible Debit Card Purchases”) shall receive 1.00% cash back that post and settle to the account each statement cycle up to an aggregate total $50 per statement cycle. The following activities are not considered POS debit card transactions and do not count toward earning rewards: Intentionally creating spending for the sole purpose of generating rewards at little or no cost violates the intent of Quontic’s Cash Reward Checking, and subjects the account to closure. 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. Quontic may close the account for any reason including manufactured spending. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Ask for details. Additional terms, conditions, fees & exclusions may apply. Application is subject to approval & further review. Information is accurate as of March 11, 2023 and may change without notice.

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