High Interest Checking
No pockets no problem
With the Quontic Pay Ring, always have access
to your money with this payment wearable.
Leave your debit card behind and embrace
the future of payments.
How it works
How it works
1. Open a High Interest Checking Account
Apply online in 3 minutes or less with no impact on your credit score. Fund your new account with a minimum balance of $100.
2. Make the required transaction per statement cycle
Use your debit card to make at least 10 qualifying point of sale transactions of $10 or more.
Interest is compounded daily and deposited into your account each month based on your account daily balance and satisfying the point of sale eligible transactions requirements per statement cycle.
Frequently asked questions
How do I open a High Interest Checking account with Quontic?
You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/banking/open-an-account/.
What is Quontic’s overdraft policy?
Quontic does not charge an overdraft fee. View Quontic’s fees here.
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
We may also ask for a valid U.S. government-issued ID. There is a minimum required amount to open an 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 can I switch banks?
Opening an account with Quontic is easy, quick, and secure. Go to https://www.quontic.com/banking/open-an-account/, select the account you want to open, and you will be guided through the online account opening process.
What is a monthly maintenance fee?
A monthly maintenance fee is a fee charged at the end of each month for the required maintenance of your account. If your account balance totals less than the monthly fee, you will be charged only the amount of your available balance and no more. If your account balance is $0.00 for the entire month, you will not be charged a fee for that month.
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.
How do I order more checks?
To order checks, you will need to log into Online Banking and select Tools. Then, select Check Services and Reorder Checks.
How long does it take to receive my new debit card?
It typically takes about 10 business days to receive your new Quontic Bank Mastercard® debit card.
What you get
Banking should be easy
- Send & Receive
Remote check deposit, bill pay, and account transfers. Make and receive payments to your contacts. - Financial Tools
Track your spending and monitor credit with a full credit report, and credit report monitoring. - Synced Accounts
A birds-eye view of all your bank accounts, and loans in one place. - Biometric Authentication
Log in to your account securely with your fingerprint or facial recognition.
Support when you need it, and how you want it
Banking with a purpose
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.
2FDIC insurance is applicable to eligible deposit accounts and up to the maximum allowed by law. Learn more at FDIC: Deposit Insurance
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