CASH REWARDS CHECKING

Get 1.5% Cash Back

on All Eligible Debit Card Purchases1

Use your Quontic Debit Card for everyday purchases and earn 1.5% cash back each month! Minimum opening deposit of $100.

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Recognized As Top Online Bank

Our competitive rates, low minimum deposits, user-friendly online banking platform, and access to thousands of free ATMs nationwide have earned us a spot as a Top Online Bank of 2020 by Bankrate!

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ACCESSIBILITY

90,000+ ATMs Across the Nation

Surcharge free at any participating AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.

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TRANSPARENCY

No Monthly Service Fees

Unexpected fees are never a good thing. We will never surprise you with hidden monthly fees. View the full list of fees that could occur on your account here.

How Easy It Is

1. Open a Cash Rewards Checking Account

Open your online account in 3 minutes or less.

2. Use your Quontic Debit Card

Qualifying point of sale (POS) debit card transactions1 that post and settle to the account each statement cycle shall receive 1.50% cash back. Ask for details. Additional terms, conditions, fees & exclusions may apply.

3. Receive 1.5% Cash Back Each Month

Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.

How Easy It Is

1. Open a Cash Rewards Checking Account

Open your online account in 3 minutes or less.

2. Use your Quontic Debit Card

Qualifying Point of Sale transactions exclude withdrawals or peer-to-peer payments through programs like Venmo or Zelle®.

3. Receive 1.5% Cash Back Each Month

Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.

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!

You can open an account with as little as $100.

You can transfer funds from an existing Quontic Bank account, from an account at another bank, by ACH transfer, or by mailing us a check.

Our mailing address is:
Quontic Bank
31-05 Broadway
Astoria, NY 11106
Attn: New Accounts
Please do NOT mail cash!

Just use your Quontic Debit Card for everyday Qualifying Point of Sale (POS) purchases! Qualifying point of sale (POS) debit card transactions shall receive 1.50% cash back that post and settle to the account each statement cycle. The following activities are not considered 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.

Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.

You won’t have to pay ATM fees when you use your Quontic Debit Card at any AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.

Yes, you can spend your money like any other checking account. You will be able to sign up for Online Banking, Mobile Banking and be provided with a Quontic Debit Card.

Yes! You can easily add money to your account through remote check deposit via our convenient Mobile App, by setting up direct deposit from your work, by mailing a check, depositing money via ACH, or by wire.

View More

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Who needs a Branch? We Have an App.

Enjoy the convenience of banking on your terms—whenever you want, anytime you want with our dynamic mobile app. Features like remote check deposit, bill pay, account transfers, and receipt tracking make managing your finances easy. Available on both Android and Apple IOS.

MOVE MONEY YOUR WAY
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Contact Us Today

If you have any questions or require additional information, you can reach us 
via live chat, phone, our online form, or by emailing.
Live Chat@2x

Live Chat

Chat directly with one of our customer service representatives for immediate assistance.

Loan Officer@2x

Call or Email

Call us at 1-800-908-6600 or [email protected]

Live Chat@2x

Live Chat

Chat directly with one of our customer service representatives for immediate assistance.

Loan Officer@2x

Call or Email

Call us at 1-800-908-6600 or [email protected]

Serving The Underserved.

A Commitment We Don't Take Lightly

Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products that transcend legacy banking inequities.

Disclaimer:

Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. Some accounts may require a minimum average daily balance for the statement cycle to avoid service charges. 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. 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.

February 26, 2021

1This 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 shall receive 1.50% cash back that post and settle to the account each statement cycle. The following activities are not considered 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. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is published as of March 11, 2021.

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