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

High Interest Checking
Bitcoin Rewards Checking

Bitcoin Rewards Checking
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

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?

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 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.