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.
Apply in 3 minutes or less
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, The ring has all the security of a debit card and more. Not only does it require you to use a knocking gesture to make it work, but, like a debit card, if you misplace it, you can temporarily disable it until it’s found. Unlike a debit card your number is not visible. Also, you can spend with confidence in knowing that the eligible checking account your hard-earned funds are in at Quontic is FDIC insured.

Yes, that option is available during sign-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.

Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!

Banking should be easy

Support when you need it, and how you want it

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


FDIC Insured and secured.
Security Center


90,000 surcharge free ATMs across the nation.
ATM Locator

No Nonsense

No monthly fees, no overdraft fees, no foreign collection fees.
List of rare fees

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.