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
Cash Rewards Checking
Cash Rewards Checking
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.
Wearable Checking
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
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 August 15, 2024 and may change without notice.
2Cash 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 August 15, 2024 and may change without notice.
