fbpx
Quontic
Open an account
Login

Unlock your financial ambitions

With a deposit account from Quontic, you hold the keys to your financial goals. From innovative rewards checking to high yield savings, eliminate the hurdles between you and financial freedom. Take the first step by opening an online bank account below.

Already a customer or started an application? Sign in.

Checking Accounts

Take control of your money and open a checking account that gives you more.

Most Popular

High Interest Checking 1

Earn 1.10% APY on all balance tiers when you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle.* Minimum opening deposit of $100.

Get Started

Bitcoin Rewards Checking 2

The first of its kind - Earn 1.5% Bitcoin on eligible debit card transactions. Minimum of $500 required to open.

Get Started

Cash Rewards Checking 3

Ready for a checking account that earns 1.00% cash back? Look no further. Minimum of $100 required to open.

Get Started

*For the High Interest Checking account, failure to make qualifying transactions will result in 0.01% interest and APY.

Savings Accounts

Earn a higher rate than traditional savings with our online accounts.

Most Popular

High Yield Savings 4

The High Yield Savings account that brings a new meaning to 'stretching your savings'. With 4.25% APY, we've knocked the national average out of the park. Minimum of $100 required to open.

Get Started

Money Market 5

Earn 4.75% APY on all balance tiers with our Money Market Account. Minimum opening deposit of $100 required.

Get Started

Certificates of Deposit

Maximize your savings with our dynamic CD account options. Minimum of $500 required to open a CD.
Withdrawals before the maturity date are subject to penalties.
Learn More

6 MONTHS 6

5.05%

Annual Percentage Yield

Get Started
Most Popular

1 YEAR 6

5.15%

Annual Percentage Yield

Get Started

2 YEARS 6

4.50%

Annual Percentage Yield

Get Started

3 YEARS 6

4.40%

Annual Percentage Yield

Get Started

5 YEARS 6

4.30%

Annual Percentage Yield

Get Started

Disclaimer:

In order to sign up for online banking, you must have a Quontic Bank account. Mobile banking requires enrollment through online banking. Data connection required. Wireless carrier fees may apply. There is no charge from Quontic Bank for account alerts, but message & data rates may apply. Mobile check deposit is available for select mobile devices. Subject to eligibility & further review. Deposits are subject to verification & not available for immediate withdrawal. Deposit limits & other restrictions may apply. Online Account Opening is only available to consumers. Ask for details. Data connection required to open an account online. Wireless carrier fees may apply. Application is subject to approval & further review. Information is accurate as of the date listed below and may change without notice.
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. 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’s User Agreement 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’s User Agreement. Individual transactions in the rewards program are not recorded on the blockchain. Information is published as of June 2, 2022.
3 Cash 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 March 11, 2023 and may change without notice.

4 High Yield Savings Account – $100 to open to account. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. 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. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is as of March 27, 2023.

5Money Market Account is a tiered variable account wherein 4.75% annual percentage yield applies to all balance tiers, which are identified as $0.01–$4.999.99, $5,000.00–$149,999.99 and balances over $149,999.99. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. 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. Information is as of March 27, 2023.

6 Certificate of Deposit is a personal interest bearing account. You must deposit $500.00 to open this account. APY is accurate and effective as of May 30, 2023. APY may change thereafter for new accounts and upon renewal. Withdrawals before the maturity date are subject to penalties. Offer is subject to change at any time. Ask for details. Additional terms, conditions, fees & exclusions may apply. Fees could reduce earnings. Application is subject to approval.