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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.

Cash Rewards Checking 2

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

*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 3

The High Yield Savings account that brings a new meaning to 'stretching your savings'. With 4.50% APY, we've knocked the national average out of the park. Minimum of $100 required to open.

Money Market 4

Earn 5.00% APY on all balance tiers with our hybrid Money Market Account. Minimum $100 opening deposit required.

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 5

5.05%

Annual Percentage Yield

Most Popular

1 YEAR 5

5.30%

Annual Percentage Yield

2 YEARS 5

4.50%

Annual Percentage Yield

3 YEARS 5

4.40%

Annual Percentage Yield

5 YEARS 5

4.30%

Annual Percentage Yield

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.
2 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.

3 High Yield Savings Account – $100 to open to account. 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. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is as of November 21, 2023.

4Money Market Account is a tiered variable account wherein 5.00% 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. 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 November 21, 2023.
7 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 July 6, 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.