Bank with Confidence And Break New Ground.

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Bank with Confidence And Break New Ground.

With Quontic, you’re more than just an account number. We’re the bank for the innovators, the groundbreakers and the underdogs who define their own financial story. Open a Quontic checking account today.

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High Interest Checking

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High Interest Checking

Earn up to 1.01% Annual Percentage Yield1

Choose one of our most popular accounts and earn more interest than your standard online savings account. Open a High Interest Checking account and reap the benefits of up to 1.01% APY on your account daily balance. All it takes is 3 minutes and $100 to start. APY is based on the account daily balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.

Bitcoin Rewards Checking

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Bitcoin Rewards Checking

Get 1.5% Bitcoin on all eligible debit card purchases.2

Crypto connoisseurs – this is the online bank account for you. Bitcoin Rewards Checking allows you to swipe your card and earn bitcoin on everyday eligible  purchases. It’s that easy. Open your account today with a minimum deposit of $500. Only available in select states.

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Cash Rewards Checking

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Cash Rewards Checking

Get 1.5% cash back on all eligible debit card purchases.3

Get rewarded with a gift everyone loves – cash! You can earn cash back on eligible debit card purchases each statement cycle. Put your Cash Rewards Checking account in motion with $100 minimum and three minutes.

Frequently Asked Questions

When you open an account, to validate your identify we will ask for:

  • your name
  • address
  • date of birth
  • social security number
  • a valid U.S. government-issued ID

There is a minimum required amount to open account. You will fund your account via online transfer from an account you have at another bank (during the online account opening process).

Please Note: You must be a U.S. Citizen and 18 years or older to open an account.

Setting up a direct deposit is easy with a Quontic Bank Account Switch Form. You may request an account switch form by emailing [email protected]. You may also contact the originator of the direct deposit for instructions on how to set one up.

Overdraft Charge/Return Non-Sufficient Funds: Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.

To view all of Quontic’s fees, view our List of Fees

Yes, you will receive a debit card after opening and funding your account.

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.
1High Interest Checking Account is a conditional tiered variable rate account. You must deposit $100.00 to open this account. In order to meet the requirements to earn the interest rate, customers must have a daily balance less than or equal to $1,000,000.01 and make at least 10 qualifying point of sale transactions (“eligible transaction”) which must be $10 or more per statement cycle. If the minimum qualifying activity requirements are met, then the Annual Percentage Yield (APY) is paid on the daily balance as follows: Daily balances of $0.01–$100,000 earn 1.01% APY; Daily balances of $100,000.01–$250,000 earn 0.65% APY; Daily balances of $250,000.01–1,000,000.01 earn 0.35% APY; Daily balances over $1,000,000.01 earn 0.00% APY. For example, if the minimum qualifying activity requirement is met and if a customer’s daily balance is $100,002, the full amount of $100,002 earns the APY of 0.65%. If the minimum qualifying activity is not met, then 0.01% APY applies to all balances. We may change the tiers that apply to this account at any time without notice. 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 July 20, 2021 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. 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”), which is authorized by the New York State Department of Financial Services to engage in virtual currency business activity, are not met. Fees and terms are subject to change. Additional terms and conditions may apply. Balances of Bitcoin Rewards and/or digital assets in your NYDIG Account are not subject to Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) protections. 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 Rewards Checking has geographic, regulatory, and other restrictions that may apply. Bitcoin Reward Checking is currently available in the states of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, New Mexico, New Jersey, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming. Information is published as of July 20, 2021.

3Cash 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 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 July 7, 2021.