Money Market Account

EARN 5.00% APY1
Get the best of both worlds. Enjoy a high yield on your account balance with the added benefits of a checking account, including a free debit card and check writing privileges. Minimum $100 opening deposit required.

No hidden fees
No monthly fees
No nonsense

Earn more and keep it. View the short list of fees that could occur on your account here.
5.00% APY
0.63% APY
National Average

Raise the bar with 5.00% APY

Quontic raises the bar, and keeps raising it. You can count on our rates rising. An APY that’s consistently over 8x higher than the national average2.

Frequently Asked Questions

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!

Yes, the minimum amount to open a Money Market account is $100.

Yes, you can get a debit card for your Quontic money market account.

Interest is compounded daily based on your posted account daily balance. 

Interest is credited to your account every month at the end of your statement cycle.

What you get


FDIC Insured and secured. Lock and unlock your debit card.
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 should be easy

Zelle, Apple Pay, Google Pay, Samsung Pay

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.

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.


1Money 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. 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. Minimum opening deposit: $100. Information is as of November 21, 2023.

2National Average APY information as of July 17, 2023, according to the FDIC National Rates and Rate Caps.

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