Wearable Checking

THE NATION’S FIRST Checking account that comes with A free PAY RING
Leave your debit card at home and embrace the next wave of banking technology. FDIC insurance up to the legal limit. Minimum opening deposit of $100. No ongoing account minimum.

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smartasset: 4.8 out of 5 stars
FedFis 2026 Innovative Bank Leader, Data-Driven Recognition by Bankers
nerdwallet: 4.5 out of 5 stars
Bankrate: 4.7 out of 5 stars
GoBankingRates: 4.5 out of 5 stars

Tap. Paid.

With the Quontic Pay Ring, check out faster than using a debit card or cell phone. Simply curl your fingers as you would if you were going to knock on a door, but do it over the payment terminal.
The ring is accepted wherever you see a Contactless Symbol.

All the security of a debit card and more

Easy to use

Easily manage your pay ring online.

No need to charge

Your Quontic Pay Ring utilizes the same chip technology as a plastic debit card.

Built to last

Made from high-purity ceramic, the ring is water and scratch resistant.

Frequently asked questions

Yes, you must have a Quontic Bank Checking account to order a ring.

Your Ring has been designed to be resistant to scratching and proven to be more resilient than certain precious metals of equivalent thickness. It’s still precious, so please treat it as such.

Everyone likes good news right? Your Ring NEVER needs to be charged”¦. EVER! You can wear your Ring all day and all night, so it’s always to hand to make those important payments even when other devices have run out of battery.

The Ring is waterproof to 50m, so perfectly able to withstand swimming, bathing or washing up.

During the ring ordering process, you will be asked if you’d like to order a free ring sizing kit. We highly recommend that you choose to order a sizing kit before submitting your ring size. Ring sizes and ring sizers can vary across the industry. Sizing kits are free of charge and help to ensure you get the perfect fit.

Once you receive your sizing kit in the mail, check your inbox for an email you received when you submitted your request for a ring sizer from [email protected]. It contains a unique link to activate complete your ring order.

Once you receive your ring in the mail, check your inbox for an email you received when you submitted your ring order from [email protected]. It contains a unique link to activate your ring. You will need the activation sticker located on the plastic ring box wrapper. If you have an issue with activating your ring, please call 1-800-908-6600.

You can locate your activation code on the sticker that is located on the plastic ring box wrapper. If you have an issue with activating your ring, please call 1-800-908-6600.

Yes, once you activate your ring you can create a four digit PIN. You may also use the same PIN for your Quontic debit card once it is activated.

It’s important to use the correct hand gesture when using your Ring at a compatible contactless terminal.

For the terminal to detect your Ring reliably, it is best to use a ‘knocking’ gesture with your hand. Simply approach the terminal as if you were going to knock on it and hold your fist in position until you see the confirmation of payment or hear the confirmation beep.

Here’s a quick visual guide on the correct hand gesture to use when making payments with your Ring.

If your ring does not fit, please contact customer service at 1-800-908-6600. If the ring fits on another finger than the original finger you intended, we suggest trying it out to avoid the returning process.

Rings can be used at any payment terminal that accepts contactless payments. Look for the contactless symbol. Please note that there may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead.

The ring has a card number in the system but is not shared with the customer. If you need to make an online purchase that requires a full card number, we suggest you use your Quontic Bank debit card.

Yes, transactions using the Pay Ring do count towards the interest or rewards you earn just like debit card transactions.

The same daily limits for your debit card apply to the Ring.

Be sure that the terminal accepts contactless payments. Sometimes, you may need to try to tap the ring a few times before the terminal gets a good read. There may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead. We always recommend you bring a second method of payment, like your Quontic Bank Debit Card, in case there is a terminal read error.

To address a lost or stolen ring, please promptly review your recent transactions using the Online Banking platform or Mobile App to verify that there are no unauthorized transactions.

For further assistance, kindly contact our Customer Service team via the Message Center accessible through your Online Banking platform (Settings -> Message Center) or by phone at 800-908-6600.

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Banking should be easy

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100% US-based support. Chat live, request a call or speak through your computer’s audio.

Security

FDIC Insured and secured.
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Access

90,000 surcharge free ATMs across the nation.
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No Nonsense Fees

No monthly fees, no overdraft fees, no foreign collection fees.
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Banking with a purpose

With Quontic, you’re more than just an account number. You’re a partner on our mission. As a CDFI, we’re the bank that helps bring the dream of homeownership to low-income families, immigrants, people of color, small business owners, and others who are unable to obtain mortgage financing through traditional lenders. Feel good about who you bank with.