Bank regulations require that financial institutions collect an expectation of a customer’s transactional behavior in order to determine risk levels in terms of money laundering, terrorist finance, and identity theft.

Bank regulations require that financial institutions collect an expectation of a customer’s transactional behavior in order to determine risk levels in terms of money laundering, terrorist finance, and identity theft.

Your recent employment history helps us correctly identify you. We ask this question for security purposes and to help the government fight terrorism and money-laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 

Your recent employment history helps us correctly identify you. We ask this question for security purposes and to help the government fight terrorism and money-laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 

Select “Individual” if you will be the only person taking ownership of the account. Select “Joint” if you want to add a co-owner to the account.

Select “Individual” if you will be the only person taking ownership of the account. Select “Joint” if you want to add a co-owner to the account.

Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account.

Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account.

An ACH transfer is the most common form of electronic money movement. Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet or when you pay a bill online, you are likely completing an ACH transfer. 

An ACH transfer is the most common form of electronic money movement. Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet or when you pay a bill online, you are likely completing an ACH transfer. 

A wire transfer is a form of electronic money movement that transfers money in real-time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in-person or over the phone.

A wire transfer is a form of electronic money movement that transfers money in real-time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in-person or over the phone.

We will make two test deposits ($0.99 or less) and two matching withdrawals to your external account. It typically takes two or three days for these transactions to appear in your external account.

To see the amounts we deposited and withdrew, you will need to access your external account. Once the withdrawals and deposits have been made, return to our website to enter the amounts and verify account ownership.

Note: If you select test deposits and withdrawals, you cannot change your verification method again.

We will make two test deposits ($0.99 or less) and two matching withdrawals to your external account. It typically takes two or three days for these transactions to appear in your external account.

To see the amounts we deposited and withdrew, you will need to access your external account. Once the withdrawals and deposits have been made, return to our website to enter the amounts and verify account ownership.

Note: If you select test deposits and withdrawals, you cannot change your verification method again.

Yes, you must agree to our Terms and Conditions in order to use Online and Mobile Banking.

Yes, you must agree to our Terms and Conditions in order to use Online and Mobile Banking.

If you forget your user ID or password, you should visit Quontic’s Online Banking website and follow the instructions for retrieving and/or resetting your credentials. You may also contact customer service for assistance.

If you forget your user ID or password, you should visit Quontic’s Online Banking website and follow the instructions for retrieving and/or resetting your credentials. You may also contact customer service for assistance.

The “Remember Me” prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select “Off” once prompted, you will be required to answer the challenge questions each time you log in to Mobile Banking.

The “Remember Me” prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select “Off” once prompted, you will be required to answer the challenge questions each time you log in to Mobile Banking.

If applicable, you may save your user ID by selecting “On” when a “Save My User ID” or “Remember Me” option is prompted. For enhanced security, your user ID will then be presented in a masked format, hiding some of the characters. You may also opt-out of saving your user ID at a later time by selecting “Off.”

If applicable, you may save your user ID by selecting “On” when a “Save My User ID” or “Remember Me” option is prompted. For enhanced security, your user ID will then be presented in a masked format, hiding some of the characters. You may also opt-out of saving your user ID at a later time by selecting “Off.”

You can view your CD details by signing onto your Online Banking Account. Click on Account and account details.

You can view your CD details by signing onto your Online Banking Account. Click on Account and account details.

We will send you a Maturity Notice before your CD’s maturity date. There is a 10 calendar day grace period during which you may withdraw principal without penalty or renew your CD with the same term. You may also close your CD and open a new one with a different term.

The grace period begins on the day after the CD maturity date and runs for ten calendar days (maturity date plus 10 days). To make changes or close your CD, please call us at 1-800-908-6600 during the 10-day grace period. You can also make the request via secure messaging in Online Banking by going to ‘Self Service’ and ‘Secure Messaging’ or you can email us at [email protected].

If you do not contact us by the end of the 10-day grace period (and we do not send you a notice of non-renewal), your CD will automatically renew for another term. The interest rate upon renewal will be set at Quontic Banks then-current rate for similar term CDs. The renewal term will begin (retroactively) on the day after the maturity date of the previous CD term.

The principal balance for the renewal term will be the total balance in the CD (principal plus the interest that was not previously withdrawn) on the date the CD account is renewed. Your CD will continue to earn the current interest rate during the 10-day grace period. A confirmation will be sent verifying the renewal terms.

We will send you a Maturity Notice before your CD’s maturity date. There is a 10 calendar day grace period during which you may withdraw principal without penalty or renew your CD with the same term. You may also close your CD and open a new one with a different term.

The grace period begins on the day after the CD maturity date and runs for ten calendar days (maturity date plus 10 days). To make changes or close your CD, please call us at 1-800-908-6600 during the 10-day grace period. You can also make the request via secure messaging in Online Banking by going to ‘Self Service’ and ‘Secure Messaging’ or you can email us at [email protected].

If you do not contact us by the end of the 10-day grace period (and we do not send you a notice of non-renewal), your CD will automatically renew for another term. The interest rate upon renewal will be set at Quontic Banks then-current rate for similar term CDs. The renewal term will begin (retroactively) on the day after the maturity date of the previous CD term.

The principal balance for the renewal term will be the total balance in the CD (principal plus the interest that was not previously withdrawn) on the date the CD account is renewed. Your CD will continue to earn the current interest rate during the 10-day grace period. A confirmation will be sent verifying the renewal terms.

Your U.S. mobile phone number or email address may already be associated with a Zelle enrollment through another financial institution or the Zelle App. 

You can update your phone number and email address by logging into your Online Banking Portal and updating this information, or you can call Quontic Online & Mobile banking support toll-free at 1-800-908-6600 or email [email protected] for further assistance. 

Possible reasons Quontic Zelle is not working
Reason 1: Your email address or U.S. Mobile number is already associated with a Zelle Profile through another participating bank or credit union. Your Mobile number or email address can’t be enrolled with more than one Zelle account. 
Reason 2: You have exceeded the transfer limit.
The maximum transaction limit is $500, and the maximum allowed for total daily transactions is $1,000.

Your U.S. mobile phone number or email address may already be associated with a Zelle enrollment through another financial institution or the Zelle App. 

You can update your phone number and email address by logging into your Online Banking Portal and updating this information, or you can call Quontic Online & Mobile banking support toll-free at 1-800-908-6600 or email [email protected] for further assistance. 

Possible reasons Quontic Zelle is not working
Reason 1: Your email address or U.S. Mobile number is already associated with a Zelle Profile through another participating bank or credit union. Your Mobile number or email address can’t be enrolled with more than one Zelle account. 
Reason 2: You have exceeded the transfer limit.
The maximum transaction limit is $500, and the maximum allowed for total daily transactions is $1,000.

If you are concerned about the misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Next, sign on to Online Banking, navigate to the Quontic Mobile Banking Center, and disable or remove your device.

If you are concerned about the misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Next, sign on to Online Banking, navigate to the Quontic Mobile Banking Center, and disable or remove your device.

Yes. Visit the Quontic Mobile Banking Center and simply enroll (and then activate) another device.

Yes. Visit the Quontic Mobile Banking Center and simply enroll (and then activate) another device.

If you get a new mobile device or change phone numbers, be sure to return to the mobile banking website via your PC and update your mobile device profile in the Quontic Mobile Banking Center. Remove your old device within the Quontic Mobile Banking Center. Then, download the app on your new phone and enroll your new device.

If you get a new mobile device or change phone numbers, be sure to return to the mobile banking website via your PC and update your mobile device profile in the Quontic Mobile Banking Center. Remove your old device within the Quontic Mobile Banking Center. Then, download the app on your new phone and enroll your new device.

Activation codes expire after a specific period of time. If you need a new one, return to the Quontic Mobile Banking enrollment site (called the Quontic Mobile Banking Center) and request a new activation code.

Activation codes expire after a specific period of time. If you need a new one, return to the Quontic Mobile Banking enrollment site (called the Quontic Mobile Banking Center) and request a new activation code.

For additional assistance, please call 1-800-908-6600.

For additional assistance, please call 1-800-908-6600.

If a deposit is returned, please do not redeposit the check with our Mobile RDC functionality.  You will receive written communication from your financial institution through the U.S. Postal Service if a deposit is returned.

If a deposit is returned, please do not redeposit the check with our Mobile RDC functionality.  You will receive written communication from your financial institution through the U.S. Postal Service if a deposit is returned.

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through our Mobile RDC service.

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through our Mobile RDC service.

No, you do not need to re-submit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

No, you do not need to re-submit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

Once your account has been opened and you have enrolled in Online Banking, you will have access to mobile deposits through our mobile app.

Once your account has been opened and you have enrolled in Online Banking, you will have access to mobile deposits through our mobile app.

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

Yes. You may view your transaction history in Mobile Banking.

Yes. You may view your transaction history in Mobile Banking.

If your mobile deposit is submitted and accepted prior to 4:30 pm ET, then your funds will reflect your account the following business day.

If your mobile deposit is submitted and accepted prior to 4:30 pm ET, then your funds will reflect your account the following business day.

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. The daily cutoff time is 4 PM EST. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. The daily cutoff time is 4 PM EST. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.

When your deposit is processed, you will receive a second email notification regarding the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

When your deposit is processed, you will receive a second email notification regarding the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

You will receive a notification by email when your deposit has been received.

You will receive a notification by email when your deposit has been received.

You may photograph multiple checks in the same mobile banking session, however, you may only photograph one check per deposit.

You may photograph multiple checks in the same mobile banking session, however, you may only photograph one check per deposit.

No, keep the check until it posts to your statement. Once it is posted, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

No, keep the check until it posts to your statement. Once it is posted, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

You have the option to retake photographs of the check before submitting it, or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing.

You have the option to retake photographs of the check before submitting it, or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing.

Yes. During the deposit process, you will be required to photograph the front and back of your check.

Yes. During the deposit process, you will be required to photograph the front and back of your check.

Yes. You may use the service to deposit items according to the limits specified in the Terms and Conditions section. Any items presented in excess of the limits will be returned at our discretion.

Yes. You may use the service to deposit items according to the limits specified in the Terms and Conditions section. Any items presented in excess of the limits will be returned at our discretion.

In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at 800-908-6600 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.

In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at 800-908-6600 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.

Most domestic checks may be processed through Mobile RDC. We also accept money orders and third-party checks payable to the account. We do not accept double-endorsed checks, foreign items, or savings bonds through Mobile RDC.

Most domestic checks may be processed through Mobile RDC. We also accept money orders and third-party checks payable to the account. We do not accept double-endorsed checks, foreign items, or savings bonds through Mobile RDC.

There are two types of automatic payments.

• Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
• Pay the minimum amount due every month.
• Pay nothing and send an email notification.
• You can also select when to pay the bill – either when the bill arrives or a designated number of days before the bill is due (10 days is the default).
• You will receive an email notification when an automatic bill has been paid.

2.  Automatic payment at regular intervals.

This type of automatic payment gets paid by establishing the interval in which the payment should be made, along with the supporting payment details. You specify the amount, the frequency, the start date, and the end date. Based on the duration of the loan you could also establish the end date of the automatic payment rule, For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.

There are two types of automatic payments.

• Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
• Pay the minimum amount due every month.
• Pay nothing and send an email notification.
• You can also select when to pay the bill – either when the bill arrives or a designated number of days before the bill is due (10 days is the default).
• You will receive an email notification when an automatic bill has been paid.

2.  Automatic payment at regular intervals.

This type of automatic payment gets paid by establishing the interval in which the payment should be made, along with the supporting payment details. You specify the amount, the frequency, the start date, and the end date. Based on the duration of the loan you could also establish the end date of the automatic payment rule, For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.

A manual payment means that you do not wish to set up an automatic or recurring payment. Instead, every time you want to make a payment, you manually enter the amount and “send on” date. This is the default payment rule for each payee you add. 

A manual payment means that you do not wish to set up an automatic or recurring payment. Instead, every time you want to make a payment, you manually enter the amount and “send on” date. This is the default payment rule for each payee you add. 

Yes, you don’t need an account number to make a payment.

Yes, you don’t need an account number to make a payment.

We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent.

We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent.

The ability to make an expedited payment depends on the payee and time of day.

The ability to make an expedited payment depends on the payee and time of day.

Your convenience fee will be deducted from the funding account the payment was made from as a separate transaction.

Your convenience fee will be deducted from the funding account the payment was made from as a separate transaction.

Expedited payments are sent immediately. In some cases, the payee will receive your payment the same business day, but typically receipt occurs within one business day.

Expedited payments are sent immediately. In some cases, the payee will receive your payment the same business day, but typically receipt occurs within one business day.

There may be a convenience fee associated with an expedited payment.

There may be a convenience fee associated with an expedited payment.

No, processing of your expedited payment begins immediately after you click the button to submit your payment on the preview page.

No, processing of your expedited payment begins immediately after you click the button to submit your payment on the preview page.

Yes, expedited payments cannot be sent to an address in Hawaii, Alaska, or a P.O. box.

Yes, expedited payments cannot be sent to an address in Hawaii, Alaska, or a P.O. box.

Yes, click the tracking number on the “Payment Detail” page to access the delivery vendor’s website. The vendor determines the length of time the tracking information appears online.

Yes, click the tracking number on the “Payment Detail” page to access the delivery vendor’s website. The vendor determines the length of time the tracking information appears online.

No, once you open a CD you cannot add money to it during its term length. However, you can open another CD with Quontic!

No, once you open a CD you cannot add money to it during its term length. However, you can open another CD with Quontic!

Your CD rate will be unaffected and remain the same. When you open a CD with Quontic, you are locked into the then-rate for the CD’s entire term length.

Your CD rate will be unaffected and remain the same. When you open a CD with Quontic, you are locked into the then-rate for the CD’s entire term length.

All payments must be submitted before 6:30 PM CT to be delivered by the next business day.

All payments must be submitted before 6:30 PM CT to be delivered by the next business day.

Expedited payments are ideal any time you have either forgotten to pay a bill or you are surprised by a payment that you need to make fast. Expedited payments provide an avenue to make that happen without incurring a sizeable late fee or damaging your credit rating.

Expedited payments are ideal any time you have either forgotten to pay a bill or you are surprised by a payment that you need to make fast. Expedited payments provide an avenue to make that happen without incurring a sizeable late fee or damaging your credit rating.

Expedited payments are delivered faster than standard payments. These payments are subject to a convenience fee that is automatically debited from your funding account.

Expedited payments are delivered faster than standard payments. These payments are subject to a convenience fee that is automatically debited from your funding account.

Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send date at least five business days in advance of your bill due date. We issue paper checks daily Monday through Friday.

Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send date at least five business days in advance of your bill due date. We issue paper checks daily Monday through Friday.

For payees who can accept electronic funds transfers (EFT), we recommend that you set the send date at least three business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 3:00 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3:00 PM CT. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

For payees who can accept electronic funds transfers (EFT), we recommend that you set the send date at least three business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 3:00 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3:00 PM CT. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

Yes. There are two ways that you can schedule payments automatically:

• Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
• Pay the minimum amount due every month.
• Pay nothing and send an email notification.

Yes. There are two ways that you can schedule payments automatically:

• Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
• Pay the minimum amount due every month.
• Pay nothing and send an email notification.

Yes, you can cancel a payment if it is before the cutoff time at 5 PM ET. Go to the payment detail screen and select the Delete button at the bottom of the screen.

Yes, you can cancel a payment if it is before the cutoff time at 5 PM ET. Go to the payment detail screen and select the Delete button at the bottom of the screen.

If a bill payment is sent via check, the payment is deducted from the account once the Biller deposits the check. If the payment is sent electronically, it is debited from the account after our cutoff time of 5 PM ET.

If a bill payment is sent via check, the payment is deducted from the account once the Biller deposits the check. If the payment is sent electronically, it is debited from the account after our cutoff time of 5 PM ET.

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged but may be scheduled at your own risk:

• Tax payments to the Internal Revenue Service or any state or other government agency.
• Court-ordered payments, such as alimony or child support.
• Payments to insurance companies.

We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you’ve scheduled.

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged but may be scheduled at your own risk:

• Tax payments to the Internal Revenue Service or any state or other government agency.
• Court-ordered payments, such as alimony or child support.
• Payments to insurance companies.

We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you’ve scheduled.

We issue standard, approved payments against your account. If you do not maintain sufficient funds in your account, the payment may be rejected or your account could be overdrawn.

We issue standard, approved payments against your account. If you do not maintain sufficient funds in your account, the payment may be rejected or your account could be overdrawn.

We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send date that is at least five business days before a bill due date. This will allow a paper check issued on your behalf to arrive to your payee on time. For payees that accept electronic funds transfers (EFT), you should schedule the payment three business days in advance of the due date. However, you should be sure that your funding account is funded on the day you issue payment, as some EFT payments are posted to your payee’s account on the same day.

We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send date that is at least five business days before a bill due date. This will allow a paper check issued on your behalf to arrive to your payee on time. For payees that accept electronic funds transfers (EFT), you should schedule the payment three business days in advance of the due date. However, you should be sure that your funding account is funded on the day you issue payment, as some EFT payments are posted to your payee’s account on the same day.

To verify that a payment has been sent, from your navigation links, click “View a Report”. The “View Reports” page appears. From the report title list box, select the appropriate report, and click “Generate Report.” You can also create a new report or edit an existing report.

To verify that a payment has been sent, from your navigation links, click “View a Report”. The “View Reports” page appears. From the report title list box, select the appropriate report, and click “Generate Report.” You can also create a new report or edit an existing report.

Currently, we don’t offer credit cards so we cannot issue payments from a credit card.

Currently, we don’t offer credit cards so we cannot issue payments from a credit card.

No. You decide the amount you want to pay towards each bill.

No. You decide the amount you want to pay towards each bill.

Only you can authorize payments. You have complete control over who you are issuing a payment to, the exact payment amount, when the payment should be sent, or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you. Please note that your payment for our service will be conveniently debited from your primary funding account each month.

Only you can authorize payments. You have complete control over who you are issuing a payment to, the exact payment amount, when the payment should be sent, or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you. Please note that your payment for our service will be conveniently debited from your primary funding account each month.

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee’s capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee’s capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

If you authorize payment in advance, your EFT will be sent at 3 PM CT on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3 PM CT.

If you authorize payment in advance, your EFT will be sent at 3 PM CT on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3 PM CT.

As with a paper check, your account must be adequately funded to cover all payments. Some EFT transactions may clear your bank account the same day they are issued, so be sure your account is funded in advance to avoid bounced payments.

As with a paper check, your account must be adequately funded to cover all payments. Some EFT transactions may clear your bank account the same day they are issued, so be sure your account is funded in advance to avoid bounced payments.

Although most large payees accept electronic payments, many smaller payees do not have the technology to accept them at this time. In these cases, you may issue a paper check. However, there may be other reasons why you are unable to issue an EFT payment, such as collections issues.

Although most large payees accept electronic payments, many smaller payees do not have the technology to accept them at this time. In these cases, you may issue a paper check. However, there may be other reasons why you are unable to issue an EFT payment, such as collections issues.

Some EFT transactions can take up to three business days (from your scheduled payment date) to clear your account, while others may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

Some EFT transactions can take up to three business days (from your scheduled payment date) to clear your account, while others may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

For payees that can accept EFT, we recommend that you set the payment date at least three business days in advance of the due date. Although, it’s important to note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

For payees that can accept EFT, we recommend that you set the payment date at least three business days in advance of the due date. Although, it’s important to note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

Yes. Just like payroll direct deposit and ATM transactions, EFT payments are extremely safe. All payment information is encrypted with 128-bit SSL and sent through a secure communications channel. Information cannot be redirected, read, or tampered with.

Yes. Just like payroll direct deposit and ATM transactions, EFT payments are extremely safe. All payment information is encrypted with 128-bit SSL and sent through a secure communications channel. Information cannot be redirected, read, or tampered with.

In general, the EFT process can take up to three business days. Listed below is an example of how an EFT payment reaches your payee.

In general, the EFT process can take up to three business days. Listed below is an example of how an EFT payment reaches your payee.

Electronic funds transfer, or EFT, allows us to send payments to your payees electronically, rather than printing and mailing a paper check. EFT payments are especially advantageous because your payee receives payment faster than with a paper check, and there is no risk of a check getting lost in the mail.

Electronic funds transfer, or EFT, allows us to send payments to your payees electronically, rather than printing and mailing a paper check. EFT payments are especially advantageous because your payee receives payment faster than with a paper check, and there is no risk of a check getting lost in the mail.

It’s easy to print a copy of any of your bills. While viewing your bill, just select print from your browser’s file menu.

It’s easy to print a copy of any of your bills. While viewing your bill, just select print from your browser’s file menu.

When you register a payee, you provide their name, billing address, account number (if applicable), and other pertinent information. This is the only information we need to accurately issue payments.

Electronic bills are posted immediately to your account. A bill we retrieve from your biller’s website will appear within 24 hours, and your payee’s billing address will not change.

When you register a payee, you provide their name, billing address, account number (if applicable), and other pertinent information. This is the only information we need to accurately issue payments.

Electronic bills are posted immediately to your account. A bill we retrieve from your biller’s website will appear within 24 hours, and your payee’s billing address will not change.

Yes, you can integrate your billing history information with all leading personal financial management software, like Microsoft Money, Microsoft Excel, or QuickBooks. It’s simple to merge your bill payment data with the rest of your financial records. From the “Reports” page, simply click download. The “Download Report” page appears when you select the file format for your download.

Yes, you can integrate your billing history information with all leading personal financial management software, like Microsoft Money, Microsoft Excel, or QuickBooks. It’s simple to merge your bill payment data with the rest of your financial records. From the “Reports” page, simply click download. The “Download Report” page appears when you select the file format for your download.

You can view information on a filed bill through the payee’s bill history.

You can view information on a filed bill through the payee’s bill history.

Bill summary and transactional information is available online for 24 months. Most bill images are maintained online for 24 months from the date the bill is posted. After 24 months, your bill images are deleted from the system.

Bill summary and transactional information is available online for 24 months. Most bill images are maintained online for 24 months from the date the bill is posted. After 24 months, your bill images are deleted from the system.

You are the only person who can authorize payments to be issued against your account. Our representatives only access your account information on a need-to-know basis, and only with your approval.

You are the only person who can authorize payments to be issued against your account. Our representatives only access your account information on a need-to-know basis, and only with your approval.

Our Bill Pay service is highly secure; designed to fully safeguard the privacy and security of your financial information. Unlike normal internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel.

Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption.

Our Bill Pay service is highly secure; designed to fully safeguard the privacy and security of your financial information. Unlike normal internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel.

Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption.

You can add them to your list of people and businesses to pay by entering their name and address.

You can add them to your list of people and businesses to pay by entering their name and address.

Sometimes customers can’t change their address due to the special relationship we have with a payee. These addresses are provided to us directly from your payee to ensure the proper and timely processing of payments.

Sometimes customers can’t change their address due to the special relationship we have with a payee. These addresses are provided to us directly from your payee to ensure the proper and timely processing of payments.

You will export all transactions that are available for the report you selected regardless of whether you downloaded them before.

You will export all transactions that are available for the report you selected regardless of whether you downloaded them before.

You will export only the transactions that you have not yet downloaded. A checkmark in the last column on the right indicates the data has been previously downloaded.

You will export only the transactions that you have not yet downloaded. A checkmark in the last column on the right indicates the data has been previously downloaded.

You can export any report into QIF file format (for Quicken and Microsoft Money) or the CSV file format (for Microsoft Excel).

You can export any report into QIF file format (for Quicken and Microsoft Money) or the CSV file format (for Microsoft Excel).

The information you download is compatible with many of the leading personal finance programs, including Quicken, Microsoft Money, and Microsoft Excel. To download a report into any of these programs, select the program you want to download your information into and then click download.

When downloading to QIF, a file opens in a new window. When downloading to Excel, a worksheet opens within a frame. To return to the reporting page without closing the application, please use the back button.

The information you download is compatible with many of the leading personal finance programs, including Quicken, Microsoft Money, and Microsoft Excel. To download a report into any of these programs, select the program you want to download your information into and then click download.

When downloading to QIF, a file opens in a new window. When downloading to Excel, a worksheet opens within a frame. To return to the reporting page without closing the application, please use the back button.

Certain notifications are meant to notify you of any activity in your bill pay account. For security purposes, you are unable to turn them off.

Certain notifications are meant to notify you of any activity in your bill pay account. For security purposes, you are unable to turn them off.

Just click the appropriate category link and a list of current notifications for that section will appear.

Just click the appropriate category link and a list of current notifications for that section will appear.

No. Currently, all notifications are delivered to the email address you provide.

No. Currently, all notifications are delivered to the email address you provide.

One of our primary goals is to help you eliminate past due bills and expensive late fees. We will send you an email if a bill is due in 10 days (you can change the default number),  and we have not received any payment instructions from you. If you do not want to make a payment on this bill, simply click the “File This Bill” link and your bill will be stored for future reference.

One of our primary goals is to help you eliminate past due bills and expensive late fees. We will send you an email if a bill is due in 10 days (you can change the default number),  and we have not received any payment instructions from you. If you do not want to make a payment on this bill, simply click the “File This Bill” link and your bill will be stored for future reference.

For a paper check: you will receive a payment confirmation email when your check is cut and mailed. For an electronic payment: you will receive a payment confirmation email when the electronic payment is initiated.

For a paper check: you will receive a payment confirmation email when your check is cut and mailed. For an electronic payment: you will receive a payment confirmation email when the electronic payment is initiated.

Yes, you can select all of the alerts you wish to receive on the “Alert Preferences” page. Additionally, if you want to manage a specific alert for an individual payee, you can do so in the payee details.

Yes, you can select all of the alerts you wish to receive on the “Alert Preferences” page. Additionally, if you want to manage a specific alert for an individual payee, you can do so in the payee details.

We use email notifications to keep in touch with you about your account. As our customer, you may choose to receive emails in the following situations:

• When a bill is received.
• When a bill has not been received X days before the billing date.
• When no payment has been scheduled X days before the payment is due.
• When a payment is made.

These are some of the general email notifications you will receive as our customer, which you may opt to turn on or off. From time to time, you may also receive other notifications about your account, such as emails about a specific payment, future payment reminders, and changes made to your personal profile or password.

We use email notifications to keep in touch with you about your account. As our customer, you may choose to receive emails in the following situations:

• When a bill is received.
• When a bill has not been received X days before the billing date.
• When no payment has been scheduled X days before the payment is due.
• When a payment is made.

These are some of the general email notifications you will receive as our customer, which you may opt to turn on or off. From time to time, you may also receive other notifications about your account, such as emails about a specific payment, future payment reminders, and changes made to your personal profile or password.

The minimum deposit required to open a CD is $500.

The minimum deposit required to open a CD is $500.

It typically takes about 10 business days to receive your new Quontic Bank Mastercard® debit card.

It typically takes about 10 business days to receive your new Quontic Bank Mastercard® debit card.

To order checks, you will need to log into Online Banking and select Tools. Then, select Check Services and Reorder Checks.

To order checks, you will need to log into Online Banking and select Tools. Then, select Check Services and Reorder Checks.

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.

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.

A monthly maintenance fee is a fee charged at the end of each month for the required maintenance of your account. If your account balance totals less than the monthly fee, you will be charged only the amount of your available balance and no more. If your account balance is $0.00 for the entire month, you will not be charged a fee for that month.

A monthly maintenance fee is a fee charged at the end of each month for the required maintenance of your account. If your account balance totals less than the monthly fee, you will be charged only the amount of your available balance and no more. If your account balance is $0.00 for the entire month, you will not be charged a fee for that month.

Opening an account with Quontic is easy, quick, and secure. Go to www.quontic.com, select the account you want to open, and you will be guided through the online account opening process.

Opening an account with Quontic is easy, quick, and secure. Go to www.quontic.com, select the account you want to open, and you will be guided through the online account opening process.

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

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

APY stands for annual percentage yield. The annual percentage yield is the effective annual rate of return taking into account the effect of compounding interest. The resultant percentage assumes that the funds will remain in the investment vehicle for a full 365 days.

APY stands for annual percentage yield. The annual percentage yield is the effective annual rate of return taking into account the effect of compounding interest. The resultant percentage assumes that the funds will remain in the investment vehicle for a full 365 days.

If a customer has questions about the standalone Zelle® app, they can get in touch through the support page at zellepay.com/support/contact or they can call the Zelle® Support team at 1-844-428-8542. All questions related to Zelle® within our Quontic Mobile app can be directed to our Quontic online and mobile banking support, which can be reached toll-free at 1-800-908-6600, or via email at [email protected].

If a customer has questions about the standalone Zelle® app, they can get in touch through the support page at zellepay.com/support/contact or they can call the Zelle® Support team at 1-844-428-8542. All questions related to Zelle® within our Quontic Mobile app can be directed to our Quontic online and mobile banking support, which can be reached toll-free at 1-800-908-6600, or via email at [email protected].

Money sent with Zelle® is typically available to an enrolled person within minutes. That’s why it is important to only send money to recipients you know and trust. Ask your recipients to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll with Zelle®. The money will be sent directly into your recipient’s account. Once enrolled, that recipient will be able to receive future payments faster, typically within minutes.

If your payment has been pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the right email address or U.S. mobile number. If you’re waiting to receive money, we recommend confirming that the sender entered the right email address or U.S. mobile number. Still having trouble? Call Quontic Online & Mobile banking support at 1-800-908-6600, or email [email protected].

Money sent with Zelle® is typically available to an enrolled person within minutes. That’s why it is important to only send money to recipients you know and trust. Ask your recipients to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll with Zelle®. The money will be sent directly into your recipient’s account. Once enrolled, that recipient will be able to receive future payments faster, typically within minutes.

If your payment has been pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the right email address or U.S. mobile number. If you’re waiting to receive money, we recommend confirming that the sender entered the right email address or U.S. mobile number. Still having trouble? Call Quontic Online & Mobile banking support at 1-800-908-6600, or email [email protected].

Yes! They will receive a notification via email or text message.

Yes! They will receive a notification via email or text message.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your [FI Name] account, typically within minutes*. If you have not yet enrolled with Zelle®, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select [Financial Institution Name].
• Follow the instructions provided on the page to enroll and receive your payment.

Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

*A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your [FI Name] account, typically within minutes*. If you have not yet enrolled with Zelle®, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select [Financial Institution Name].
• Follow the instructions provided on the page to enroll and receive your payment.

Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

*A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.

In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.

You can send money to friends, family, and people you know.* We recommend you ask people to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

You can send money to friends, family, and people you know.* We recommend you ask people to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

Quontic does not charge any fees to use Zelle®.

Quontic does not charge any fees to use Zelle®.

In late 2009, real estate developer and entrepreneur Steven Schnall bought Golden First Bank – a small, troubled bank in Great Neck, New York with $24 million in assets. Shortly after, he rebranded the bank to Quontic Bank.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Your information is securely stored on your account and customer records once your new account is opened. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account.

As of December 2019, Quontic has one brick-and-mortar location in Florida and three locations throughout New York with one more pending to open in 2020.

Yes, because Quontic is a Member FDIC, your deposits are secured for up to $250,000. FDIC deposit insurance covers the balance of each depositor’s account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank’s closing. The FDIC insures all types of deposits received by a financial institution including:

• Checking accounts
• NOW accounts
• Savings accounts
• Money market deposit accounts
• Certificates of deposit (CDs)

Quontic’s routing number is 021473030.

If you already have an account with us, and return to open a new account, your information will populate based off the first application.

If you already have an account with us, and return to open a new account, your information will populate based off the first application.

Your information is used to identify you. It is securely stored in your account and customer records once your new account is opened. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account.

Your information is used to identify you. It is securely stored in your account and customer records once your new account is opened. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account.

The interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited or borrowed.

The interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited or borrowed.

Yes!

Yes!

Customers who have a High Interest Checking account, Cash Rewards Checking account, High Yield Savings account, or Quontic Money Market account are eligible for Mobile RDC service.

Customers who have a High Interest Checking account, Cash Rewards Checking account, High Yield Savings account, or Quontic Money Market account are eligible for Mobile RDC service.

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

• your name
• address
• date of birth
• social security number

We may also ask for a valid U.S. government-issued ID. There is a minimum required amount to open an 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.

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

• your name
• address
• date of birth
• social security number

We may also ask for a valid U.S. government-issued ID. There is a minimum required amount to open an 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.

At this time, Quontic does not offer any retirement accounts, including IRAs.

Quontic does not charge an overdraft fee. View Quontic’s fees here.

Quontic does not charge an overdraft fee. View Quontic’s fees here.

You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/high-interest-checking/.

You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/high-interest-checking/.

The maximum deposit to open a CD is $1,000,000.

The maximum deposit to open a CD is $1,000,000.

When you open a Certificate of Deposit, we will ask for your name, address, date of birth, social security number to allow us to identify you. We may also ask for a valid government-issued ID. There is a minimum of $500 to open. You must be a U.S. Citizen and 18 years or older to open an account.

When you open a Certificate of Deposit, we will ask for your name, address, date of birth, social security number to allow us to identify you. We may also ask for a valid government-issued ID. There is a minimum of $500 to open. You must be a U.S. Citizen and 18 years or older to open an account.

Depending on which loan program you qualify for, a statement of income may not be required.

Depending on which loan program you qualify for, a statement of income may not be required.

Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.

Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.

No tax returns or W2s are needed to qualify for our Non-Traditional Loans.

No tax returns or W2s are needed to qualify for our Non-Traditional Loans.

Yes, Quontic accepts 100% Gift Funds for down payment and closing costs for eligible applicants.

Yes, Quontic accepts 100% Gift Funds for down payment and closing costs for eligible applicants.

The first step to getting pre-qualified for a non-traditional loan is to Speak To a Quontic Mortgage Expert.

The first step to getting pre-qualified for a non-traditional loan is to Speak To a Quontic Mortgage Expert.

You should sign your check with the following endorsement:

• For mobile deposit at Quontic Bank only
• Your account number
• Your signature

The same mobile app that runs on your phone will run on your tablet.

For iPhone or iPad:

• Navigate to the App Store
• Search for Quontic Bank
• Select “Get” to download the application

For Android:

• Navigate to the Google Play Store
• Search for Quontic Bank
• Select “Install” to download the application

For Kindle Fire:

• Navigate to the Amazon Appstore and select Kindle Fire Apps
• Search for Quontic Bank
• Select “Install” to download the application

Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on iPhone and Android smartphones and on iPad and Android tablets. Both mobile web and mobile applications may be found by entering the Mobile Banking URL in your device’s browser.

No, Quontic operates as a national, digital bank which allows us to pass on the overheard cost savings from operating an expensive network of branches on to our customers in the form of lower fees, better rates or higher rewards.

You can securely open your new CD account online in less than 3 minutes by visiting https://www.quontic.com/certificates-of-deposit.

You can securely open your new CD account online in less than 3 minutes by visiting https://www.quontic.com/certificates-of-deposit.

At this time, Quontic does not offer any business accounts.

To address a lost or stolen ring, please promptly review your recent transactions using the Online Banking platform or Mobile App to verify that there are no unauthorized transactions.

For further assistance, kindly contact our Customer Service team via the Message Center accessible through your Online Banking platform (Settings -> Message Center) or by phone at 800-908-6600.

Be sure that the terminal accepts contactless payments. Sometimes, you may need to try to tap the ring a few times before the terminal gets a good read. There may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead. We always recommend you bring a second method of payment, like your Quontic Bank Debit Card, in case there is a terminal read error.

The same daily limits for your debit card apply to the Ring.

Yes, transactions using the Pay Ring do count towards the interest or rewards you earn just like debit card transactions.

Yes, our Mobile Banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access, and application time-out when your mobile device is not in use.

There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information.

All major US wireless phone carriers are supported.

To sign in to your secure email for the first time, please follow the below steps.

After clicking ‘View Encrypted Email,’ you will be directed to Proofpoint website.

Enter the same email address where you received the Proofpoint email.

Click ‘CONTINUE’

Then you will need to register with proofpoint.

Enter your name, password, check the ‘I agree’ box and then ‘Register’

After registering, Proofpoint will send you an email to complete your registration.

Proofpoint sends you this email after you complete the registration form.

Click on the ‘Confirm’ button to continue.

After clicking ‘Confirm’, you will be directed back to the Proofpoint website telling you your registration was successful.

Click ‘Continue logging in’

You will then enter the email you used to register and click ‘CONTINUE’

After entering your email, enter the password you created during proofpoint registration and click ‘Sign in’

After successfully signing in, you will see the secure Quontic email.

Scroll down to the bottom (if your browser is not tall enough), and you will see the secure message.

The ring has a card number in the system but is not shared with the customer. If you need to make an online purchase that requires a full card number, we suggest you use your Quontic Bank debit card.

Rings can be used at any payment terminal that accepts contactless payments. Look for the contactless symbol. Please note that there may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead.

If your ring does not fit, please contact customer service at 1-800-908-6600. If the ring fits on another finger than the original finger you intended, we suggest trying it out to avoid the returning process.

It’s important to use the correct hand gesture when using your Ring at a compatible contactless terminal.

For the terminal to detect your Ring reliably, it is best to use a ‘knocking’ gesture with your hand. Simply approach the terminal as if you were going to knock on it and hold your fist in position until you see the confirmation of payment or hear the confirmation beep.

Here’s a quick visual guide on the correct hand gesture to use when making payments with your Ring.

Yes, once you activate your ring you can create a four digit PIN. You may also use the same PIN for your Quontic debit card once it is activated.

You can locate your activation code on the sticker that is located on the plastic ring box wrapper. If you have an issue with activating your ring, please call 1-800-908-6600.

Once you receive your ring in the mail, check your inbox for an email you received when you submitted your ring order from [email protected]. It contains a unique link to activate your ring. You will need the activation sticker located on the plastic ring box wrapper. If you have an issue with activating your ring, please call 1-800-908-6600.

Once you receive your sizing kit in the mail, check your inbox for an email you received when you submitted your request for a ring sizer from [email protected]. It contains a unique link to activate complete your ring order.

During the ring ordering process, you will be asked if you’d like to order a free ring sizing kit. We highly recommend that you choose to order a sizing kit before submitting your ring size. Ring sizes and ring sizers can vary across the industry. Sizing kits are free of charge and help to ensure you get the perfect fit

Quontic’s official end user browser support policy is as follows:

• Google Chrome: Latest two versions
• Firefox: Latest two versions
• Microsoft Edge: Latest two versions
• Safari: Last two major versions

Quontic supports Windows and Apple macOS computing platforms as well as Android and iOS mobile platforms.

Quontic’s platform support is as follows:

• Windows: Versions that are still supported by Microsoft and support a browser listed above
• OSX: Versions that are still supported by Apple and support a browser listed above
• Android: Current and prior two major versions
• iOS: Current and prior two major versions

You can sign onto your Online Banking Account and click Settings and then Message Center. You will then click Compose and select ‘Beneficiary Questions’ as the subject line.

New customers will receive access to the external transfer feature in online banking when their account has been open for 30 days. If you are still unable to set up external transfers after 31 days, please call 800-908-6600, or email us at [email protected] to request access.

New customers will receive access to the external transfer feature in online banking when their account has been open for 30 days. If you are still unable to set up external transfers after 31 days, please call 800-908-6600, or email us at [email protected] to request access.

Yes. You can use your Ring and your Debit Card with the same account.

The Ring is waterproof to 50m, so perfectly able to withstand swimming, bathing or washing up.

Everyone likes good news right? Your Ring NEVER needs to be charged”¦. EVER! You can wear your Ring all day and all night, so it’s always to hand to make those important payments even when other devices have run out of battery.

Your Ring has been designed to be resistant to scratching and proven to be more resilient than certain precious metals of equivalent thickness. It’s still precious, so please treat it as such.

Yes- you must have a Quontic Bank Checking account to order a ring.

Limits range from $2,000 daily to $10,000 monthly, depending on user levels and cadence. You can see more specific information about your limits in online and mobile banking under Transfer and Pay > Transfers and click the limits hyperlink towards the bottom of the page.

Limits range from $2,000 daily to $10,000 monthly, depending on user levels and cadence. You can see more specific information about your limits in online and mobile banking under Transfer and Pay > Transfers and click the limits hyperlink towards the bottom of the page.

These transfer limits only apply if the transfer is initiated through Quontic’s online banking. Our external transfer limits do not apply if the transfer is initiated through your other banking institution.

These transfer limits only apply if the transfer is initiated through Quontic’s online banking. Our external transfer limits do not apply if the transfer is initiated through your other banking institution.

When you have successfully opened an account at Quontic, you can opt in to receive a debit card or ATM card, depending on the product you selected during account opening. You will also have access to person to person payments through Zelle in our mobile app. Lastly, if you initiate the transfer from your other banking institution, whether you are pulling funds from your Quontic account or sending to it, our limits do not apply. Once you have been a customer at Quontic for 30 days or more, you will be given access to the external transfer feature.

When you have successfully opened an account at Quontic, you can opt in to receive a debit card or ATM card, depending on the product you selected during account opening. You will also have access to person to person payments through Zelle in our mobile app. Lastly, if you initiate the transfer from your other banking institution, whether you are pulling funds from your Quontic account or sending to it, our limits do not apply. Once you have been a customer at Quontic for 30 days or more, you will be given access to the external transfer feature.

Quontic may make it possible for a customer to initiate and conduct external transfers through Quontic online banking with limitations. A transaction is considered an outbound external transfer if funds are transferred out of your Quontic Bank accounts into your Non-Quontic Bank Accounts. Once you have access to external transfers, you can link your non-Quontic Bank accounts by inputting your account and routing number, and verifying two micro deposits.

Quontic may make it possible for a customer to initiate and conduct external transfers through Quontic online banking with limitations. A transaction is considered an outbound external transfer if funds are transferred out of your Quontic Bank accounts into your Non-Quontic Bank Accounts. Once you have access to external transfers, you can link your non-Quontic Bank accounts by inputting your account and routing number, and verifying two micro deposits.

You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient’s bank isn’t on the list, don’t worry! The network of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient’s bank isn’t on the list, don’t worry! The network of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

You can send, request, or receive money with Zelle®. To get started, log into our Quontic mobile app and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re finished.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send, and an optional memo, review, then hit “Send”. In most cases, the money is available to your recipient in minutes.*

To request money using Zelle®, choose either “Request”, if there is just one recipient, or “Split”, if there are multiple recipients, select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”**. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

**Payments requested to persons not already enrolled with Zelle® must be sent to an email address.

You can send, request, or receive money with Zelle®. To get started, log into our Quontic mobile app and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re finished.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send, and an optional memo, review, then hit “Send”. In most cases, the money is available to your recipient in minutes.*

To request money using Zelle®, choose either “Request”, if there is just one recipient, or “Split”, if there are multiple recipients, select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”**. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

**Payments requested to persons not already enrolled with Zelle® must be sent to an email address.

Yes, the maximum transaction limit is $500 and maximum allowed for total transactions per day is $1,000.

Yes, the maximum transaction limit is $500 and maximum allowed for total transactions per day is $1,000.

Payment amounts made with Zelle® cannot be changed once the payment has been sent. You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®, in which case you can access Zelle® in the Quontic mobile app, select the payment you want to cancel and then select “Cancel This Payment”. If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s bank account and cannot be cancelled.

If you aren’t able to get your money back, call our customer support team at 1-800-908-6600 so we can help you. We recommend you don’t use Zelle® to send money to people you do not know. If you sent money to the wrong person and the payment cannot be cancelled, we recommend contacting the recipient and requesting the money back. If you have requested money from someone and they have already sent it to you, you will not be able to cancel the request.

Payment amounts made with Zelle® cannot be changed once the payment has been sent. You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®, in which case you can access Zelle® in the Quontic mobile app, select the payment you want to cancel and then select “Cancel This Payment”. If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s bank account and cannot be cancelled.

If you aren’t able to get your money back, call our customer support team at 1-800-908-6600 so we can help you. We recommend you don’t use Zelle® to send money to people you do not know. If you sent money to the wrong person and the payment cannot be cancelled, we recommend contacting the recipient and requesting the money back. If you have requested money from someone and they have already sent it to you, you will not be able to cancel the request.

Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle® for these types of transactions. These transactions are potentially high risk.

Zelle® should only be used to send money to friends, family, and others you trust. Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Quontic does not offer a protection program for any authorized payments made with Zelle®.

Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle® for these types of transactions. These transactions are potentially high risk.

Zelle® should only be used to send money to friends, family, and others you trust. Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Quontic does not offer a protection program for any authorized payments made with Zelle®.

We have a network of over 90,000 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. Check out our ATM Locator.

We have a network of over 90,000 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. Check out our ATM Locator.

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. Check out our ATM locator.

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. Check out our ATM locator.

You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/cash-rewards-checking/.

You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/cash-rewards-checking/.

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

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

Just use your Quontic Debit Card for everyday Qualifying Point of Sale (POS) purchases! Qualifying point of sale (POS) debit card transactions shall receive 1.00% 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.

Just use your Quontic Debit Card for everyday Qualifying Point of Sale (POS) purchases! Qualifying point of sale (POS) debit card transactions shall receive 1.00% 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.

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

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

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

Yes, you can spend your money like any other checking accounts. 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.

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.

• 90,000+ surcharge free ATMs
• Automatic bill pay (Eligible accounts only)
• Mobile check deposit
• Free Mastercard Debit Card
• Load your card to your digital wallet for Apple Pay, Google Pay and Samsung Pay
• Mastercard Zero Liability Protection and ID Theft Protection
• Mastercard Airport Concierge
• 24/7 Access via online and mobile banking
• 0 monthly service fees

• 90,000+ surcharge free ATMs
• Automatic bill pay (Eligible accounts only)
• Mobile check deposit
• Free Mastercard Debit Card
• Load your card to your digital wallet for Apple Pay, Google Pay and Samsung Pay
• Mastercard Zero Liability Protection and ID Theft Protection
• Mastercard Airport Concierge
• 24/7 Access via online and mobile banking
• 0 monthly service fees

Interest is compounded daily based on your posted account balance.

Interest is compounded daily based on your posted account balance.

Yes, the minimum amount to open a High Yield Savings account is $100.

Yes, the minimum amount to open a High Yield Savings account is $100.

To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.

To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.

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

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

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

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

You can securely open your new Money Market Account online in less than 3 minutes by visiting https://www.quontic.com/money-market-account/.

You can securely open your new Money Market Account online in less than 3 minutes by visiting https://www.quontic.com/money-market-account/.

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

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 compounded daily based on your posted account daily balance.

FHA loans are known to be a flexible lending option. Suitable for first-time buyers, FHA loans have more flexible qualifications than conventional loans.

FHA loans are known to be a flexible lending option. Suitable for first-time buyers, FHA loans have more flexible qualifications than conventional loans.

FHA loans and Conventional loans differ on several factors including lower down payment and the credit score requirements to qualify. Conventional loans typically require higher FICO scores and a minimum 20% down payment.

FHA loans and Conventional loans differ on several factors including lower down payment and the credit score requirements to qualify. Conventional loans typically require higher FICO scores and a minimum 20% down payment.

Many experts recommend that your housing costs – including mortgage, taxes and insurance – should be no more than 28% of your monthly income. However, this rule of thumb may not work for everyone. To figure out how much you can afford to spend on a home, consider your household income, monthly debts and the amount you plan to use for a down payment.

Many experts recommend that your housing costs – including mortgage, taxes and insurance – should be no more than 28% of your monthly income. However, this rule of thumb may not work for everyone. To figure out how much you can afford to spend on a home, consider your household income, monthly debts and the amount you plan to use for a down payment.

Private Mortgage Insurance, or PMI, is an added insurance policy for homeowners who have a down payment that is less than 20%. PMI protects the lender if the borrower is unable to pay their mortgage. This insurance is not forever. It will either end automatically when a mortgage’s principal balance reaches 78% of the original appraised value of the home or the borrower can ask the lender for a new appraisal to validate that they have built at least 20% equity in their home.

Private Mortgage Insurance, or PMI, is an added insurance policy for homeowners who have a down payment that is less than 20%. PMI protects the lender if the borrower is unable to pay their mortgage. This insurance is not forever. It will either end automatically when a mortgage’s principal balance reaches 78% of the original appraised value of the home or the borrower can ask the lender for a new appraisal to validate that they have built at least 20% equity in their home.

Getting pre-qualified for a mortgage helps you understand how much home you can afford and shows that you are a serious buyer. It also helps you find a lender that can work with you to select the right home loan with an interest rate that fits your needs.

Getting pre-qualified for a mortgage helps you understand how much home you can afford and shows that you are a serious buyer. It also helps you find a lender that can work with you to select the right home loan with an interest rate that fits your needs.

Mortgage rates can change every day. For the most current rates, please provide your contact information and we’ll have a mortgage specialist contact you.

Mortgage rates can change every day. For the most current rates, please provide your contact information and we’ll have a mortgage specialist contact you.

At Quontic, you’re more than just a loan application. We value all our customers’ diverse situations and embrace them with specialized mortgages made to fit their needs. Plus, in addition to being registered to lend in all 50 states, we offer a diverse and multi-lingual sales team, an experienced Mortgage Specialist at every step and convenient and helpful customer service.

At Quontic, you’re more than just a loan application. We value all our customers’ diverse situations and embrace them with specialized mortgages made to fit their needs. Plus, in addition to being registered to lend in all 50 states, we offer a diverse and multi-lingual sales team, an experienced Mortgage Specialist at every step and convenient and helpful customer service.

A mortgage refinance happens when homeowners seek out a new home loan in order to replace their current loan. The reasons why vary from homeowner to homeowner, but traditionally the end goal is to save money on your monthly mortgage payment.

A mortgage refinance happens when homeowners seek out a new home loan in order to replace their current loan. The reasons why vary from homeowner to homeowner, but traditionally the end goal is to save money on your monthly mortgage payment.

There are many advantages to mortgage refinancing. Borrowers are able to take advantage of their home equity, get a different type of loan, secure a lower interest rate, or even lower their monthly payments. Additionally, it is a great way to help consolidate any outstanding debt, upgrade your kitchen or bathroom, or shorten your 30-year mortgage substantially. Whether you’re looking to eliminate PMI, pay less money each month on your mortgage payment or secure a fixed-rate mortgage, there are endless advantages to getting a refi. In general, homeowners use refinancing as a way to better their financial situation.

There are many advantages to mortgage refinancing. Borrowers are able to take advantage of their home equity, get a different type of loan, secure a lower interest rate, or even lower their monthly payments. Additionally, it is a great way to help consolidate any outstanding debt, upgrade your kitchen or bathroom, or shorten your 30-year mortgage substantially. Whether you’re looking to eliminate PMI, pay less money each month on your mortgage payment or secure a fixed-rate mortgage, there are endless advantages to getting a refi. In general, homeowners use refinancing as a way to better their financial situation.

FHA home loans may be for any financially qualified borrower. Some of the important factors include your credit history and FICO scores in order to secure the minimum down payment of 3.5%.

FHA home loans may be for any financially qualified borrower. Some of the important factors include your credit history and FICO scores in order to secure the minimum down payment of 3.5%.

FHA loans are extremely popular with first time homebuyers who may not have saved enough for a large down payment.

FHA loans are extremely popular with first time homebuyers who may not have saved enough for a large down payment.

Potential homebuyers can get an FHA home loan with as little as a 3.5% down payment.

Potential homebuyers can get an FHA home loan with as little as a 3.5% down payment.

Depending on the applicant, a VA purchase loan may require little to no down payment.

Depending on the applicant, a VA purchase loan may require little to no down payment.

VA loan requirements include, but are not limited to, providing a VA home loan Certificate of Eligibility (COE), meeting the standards for credit and income and living in the home you’re buying with the loan.

VA loan requirements include, but are not limited to, providing a VA home loan Certificate of Eligibility (COE), meeting the standards for credit and income and living in the home you’re buying with the loan.

VA loans offer little to no down payment, usually better terms and interest rates, no need for Private Mortgage Insurance (PMI) or mortgage insurance premiums, usually better closing costs, and no penalty fee if you pay the loan off early.

VA loans offer little to no down payment, usually better terms and interest rates, no need for Private Mortgage Insurance (PMI) or mortgage insurance premiums, usually better closing costs, and no penalty fee if you pay the loan off early.

“To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number to allow us to identify you. We may also ask for a valid government-issued ID. You must be a U.S. Citizen and 18 years or older to open an account.”

“To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number to allow us to identify you. We may also ask for a valid government-issued ID. You must be a U.S. Citizen and 18 years or older to open an account.”

Keeping your money and information safe is a top priority for Quontic. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

Keeping your money and information safe is a top priority for Quontic. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

It’s easy. Zelle® is already available within our Quontic Mobile App! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today. We recommend you enroll before someone sends you money – this will help you get your first payment faster.

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

It’s easy. Zelle® is already available within our Quontic Mobile App! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today. We recommend you enroll before someone sends you money – this will help you get your first payment faster.

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S. – typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank*. Ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

*A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S. – typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank*. Ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

*A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

You can securely open your new account online in less than 3 minutes by visiting https://www.quontic.com/high-yield-savings/.

You can securely open your new account online in less than 3 minutes by visiting https://www.quontic.com/high-yield-savings/.

No, Private Mortgage Insurance isn’t required for a VA loan but there is an up-front funding fee.

No, Private Mortgage Insurance isn’t required for a VA loan but there is an up-front funding fee.

Yes. When using an ATM while traveling internationally, our standard fee of $2.75 for using a non-Quontic ATM will apply.

Yes. When using an ATM while traveling internationally, our standard fee of $2.75 for using a non-Quontic ATM will apply.

Disclosures are available for review and print at the time of account opening.  Should you require additional copies, please reach out to Customer Service.

Disclosures are available for review and print at the time of account opening.  Should you require additional copies, please reach out to Customer Service.

Although there is always a risk to online accounts, both Quontic and NYDIG take your privacy and the security of your PII seriously. Both institutions have designed their systems and policies and procedures to prevent the compromise of any PII. 

Although there is always a risk to online accounts, both Quontic and NYDIG take your privacy and the security of your PII seriously. Both institutions have designed their systems and policies and procedures to prevent the compromise of any PII. 

A Mastercard Debit Card.

A Mastercard Debit Card.

To add an external account, please follow the steps below.

1. Go to quontic.com and log in to your account. (Note: This will not work in the mobile app, so you must go to our website.)
2. Select “Move Money” at the top of the page and click “Transfer”.
3. Select “Manage Accounts” and click “Add Accounts”.
4. Choose “External” and add your account information.

After the above steps are completed, Quontic Bank will deposit two test transactions into your external account. You should receive them in your external account within 1-2 business days. Once you do, please go back to quontic.com, log into your online banking profile and follow the instructions below:

1. Select “Move Money” and click “Transfer”.
2. Click “Manage Accounts”.
3. Next to the external transfer account, click on “Verify”.
4. Insert the amounts from the two deposits into the correct box.

Your external account is now added to your account.

Customers who have a High Interest Checking account, Cash Rewards Checking account, High Yield Savings account, or Quontic Money Market account are eligible for Mobile RDC service.

Customers who have a High Interest Checking account, Cash Rewards Checking account, High Yield Savings account, or Quontic Money Market account are eligible for Mobile RDC service.

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. The daily cutoff time is 4:30 PM EST. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. The daily cutoff time is 4:30 PM EST. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.

Yes, you can link an external account instantly by providing your online banking credentials for your external financial institution.

New customers will not have access to the external transfer feature in online banking for the first 30 days. Once you have been a Quontic customer for 30 days, you will have access to the external transfer feature.

New customers will not have access to the external transfer feature in online banking for the first 30 days. Once you have been a Quontic customer for 30 days, you will have access to the external transfer feature.

The “Remember Me” prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select “Off” once prompted, you will be receive a one time passcode each time you log in to Online Banking.

The “Remember Me” prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select “Off” once prompted, you will be receive a one time passcode each time you log in to Online Banking.

Yes, you will see the check deposit in your transaction history.

Yes, you will see the check deposit in your transaction history.

For payees who can accept electronic funds transfers (EFT), we recommend that you set the send date at least three business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 5:00 PM ET on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 5:00 PM ET. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

For payees who can accept electronic funds transfers (EFT), we recommend that you set the send date at least three business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 5:00 PM ET on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 5:00 PM ET. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

From the payment details page, the customer has the ability to print or download proof of payment of a previous payment.

From the payment details page, the customer has the ability to print or download proof of payment of a previous payment.

If you authorize payment in advance, your EFT will be sent at 5 PM ET on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 5 PM ET.

If you authorize payment in advance, your EFT will be sent at 5 PM ET on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 5 PM ET.

The funds must be present in your account at the time of creating the bill pay.

The funds must be present in your account at the time of creating the bill pay.

To download billing history, go to Transfer and Pay > Bill Pay > click on the ellipsis and then the download button.

To download billing history, go to Transfer and Pay > Bill Pay > click on the ellipsis and then the download button.

To verify that a payment has been sent, from your navigation, click Transfer and Pay > Bill Pay > Activity > History and click into the transaction in question. At the top right there will be a proof of payment for payments that have been successfully processed.

To verify that a payment has been sent, from your navigation, click Transfer and Pay > Bill Pay > Activity > History and click into the transaction in question. At the top right there will be a proof of payment for payments that have been successfully processed.

To verify that a payment has been sent, from your navigation links, click Transfer and Pay > Bill Pay > Activity > History and click into the transaction in question. At the top right there will be a proof of payment for payments that have been successfully processed.

To verify that a payment has been sent, from your navigation links, click Transfer and Pay > Bill Pay > Activity > History and click into the transaction in question. At the top right there will be a proof of payment for payments that have been successfully processed.

You can export any report into the CSV file format (for Microsoft Excel).

You can export any report into the CSV file format (for Microsoft Excel).

You can view information on a filed bill by clicking Activity and then History.

You can view information on a filed bill by clicking Activity and then History.

There is a $25 fee associated with expedited payments.

There is a $25 fee associated with expedited payments.

All payments must be submitted before 6:30 PM CT to be delivered by the next business day.

All payments must be submitted before 6:30 PM CT to be delivered by the next business day.

Quontic will mail all 1099 forms by January 31^st. Please allow 10–14 business days for delivery via standard postal service.

If you have not received your 1099 Tax Form by February 14^th, please click here to request an electronic copy of your mailed Tax Form if it’s been past the estimated time of arrival.

Please send us a message via Message Center through your Online Banking Portal or visiting our Contact Us Page.

At this time, you are unable to view the 1099 tax form in your Online Banking Portal.

No, the Tax Form cannot be forwarded to an alternate address registered with the United States Postal Service. If you believe that we have an incorrect mailing address for you, please contact us through your online banking portal to update your contact information.

The Internal Revenue Service (IRS) requires that 1099 Tax Forms be issued under the name and Social Security Number of the Primary Account Holder for tax reporting purposes.

Quontic Bank Domestic Information:

Beneficiary Information:

Beneficiary Bank Name: Quontic Bank

Beneficiary Bank Address: 3105 Broadway, Astoria, NY, 11106

Beneficiary Bank Phone Number: 800-908-6600

Beneficiary Account Number: Your Quontic Account Number

Beneficiary Bank Routing Number: 021473030

Quontic Bank International Information:

Intermediary Bank Information:

Intermediary Beneficiary Bank Name: Atlantic Community Bankers Bank (ACBB)

Intermediary Beneficiary Bank Address: 225 Grandview Ave Suite 401, Camp Hill, PA 17011

Intermediary Beneficiary Bank Swift Code: NORHUS33

Final Bank Destination:

Beneficiary Bank Name: Quontic Bank

Beneficiary Bank Address: 3105 Broadway, Astoria, NY, 11106

Beneficiary Bank Phone Number: 800-908-6600

Beneficiary Account Number: Your Quontic Account Number

Beneficiary Bank Swift Code: NORHUS33

Beneficiary Bank Routing Number: 021473030

Checking, Savings, and Money Market Accounts

• New Customer whose personal and liquid account relationship are less than 30 days will not be eligible for the Wire Transfer feature.
• Existing Customers whose personal and liquid account relationship are over than 30 days will be eligible for the Wire Transfer feature.

• Initiating a wire transfer via the Online Banking platform or through the Mobile App
• Contacting the Customer Support via Online Banking Platform Secure Message or email

There is no incoming fee for wire transfers.

Wire transfers submitted during the weekend or non-business hours will be processed during Quontic business hours.  

Wire transfers can only be processed during business hours. Monday – Friday, excluding Holidays.

Wire Transfer initiated through the Quontic Online Banking platform:

• Foreign (US Dollars only) – cut-off time is at 4:00 PM EST
• Domestic – cut-off time is at 4:00 PM EST

Wire transfers initiated through Customer Support:

• Foreign – cut-off time is at 4:00 PM EST
• Domestic – cut-off time is at 4:00 PM EST

These fees are subject to change, please visit our Schedule of Fees for the most recent fees of outgoing wires.

Quontic allows the client to submit a Domestic or International Wire Transfer.

A wire transfer is an electronic transfer of funds via a network that is administered by banks and transfer service agencies around the world. Wire transfers are sent by one institution and received by another.

The IRS mandates that interest earned over $10.00 be reported only under the name and Social Security Number of the Primary Account Holder, not the joint account holder(s).

No, only the primary account holder of the account is authorized to submit a request for an electronic copy of their Tax Form. The primary account holder must contact us or submit the request.

If your account earned $10 or more in interest during the tax year, you will receive a 1099 form in mid-January, mailed to the address we have on file. You will need this form for tax filing purposes.

• Current Clients: Log into your Online Banking Platform and follow the instructions below to see if your active accounts have earned over $10.00 of interest for the calendar year.
  • Click on AccountsClick on Tax InformationReview the Year to Date earn Interest under the Interest/ Dividend Column

• Inactive Clients: Please click here and we will verify whether you qualify for a 1099 form for the prior tax year.

For updates to a PO BOX, please send us a message via Message Center through your Online Banking Portal or visiting our Contact Us Page.

• Using our Mobile Application
  • Please log into your account through the Mobile Application.
    • Click on More
    • Click on Settings
    • Click on Account Preferences
    • Click on Contact
    • Update your Mailing Address

• Using our Desktop Online banking platform
  • Please log into your account through the website.
    • Click on Settings
    • Click on Account Preferences
    • Click on Contact
    • Update your Mailing Address

Nope! This tool is completely free for our customers.

Nope! This tool is completely free for our customers.

You will need to contact your HR department or access the payroll system directly to make this change.

*Please note that the direct deposit that was canceled will still show up in online banking because the tool does not keep track of the status.

You will need to contact your HR department or access the payroll system directly to make this change.

*Please note that the direct deposit that was canceled will still show up in online banking because the tool does not keep track of the status.

Once the direct deposit switch is complete, it may take 1 – 3 pay cycles for the payroll system to fully update and for funds to flow into the new account. Some payroll systems are faster, some take longer.

Once the direct deposit switch is complete, it may take 1 – 3 pay cycles for the payroll system to fully update and for funds to flow into the new account. Some payroll systems are faster, some take longer.

It’s easy! Log in to your online banking or mobile app, click Tools and select the Set up direct deposit option, and follow the prompts. You’ll search for your employer or payroll provider, securely log in and confirm your switch.

It’s easy! Log in to your online banking or mobile app, click Tools and select the Set up direct deposit option, and follow the prompts. You’ll search for your employer or payroll provider, securely log in and confirm your switch.

In late 2009, real estate developer and entrepreneur Steven Schnall bought Golden First Bank – a small, troubled bank in Great Neck, New York with $24 million in assets. Shortly after, he and George Lazaridis rebranded the bank to Quontic Bank.

No, Quontic operates as a national, digital bank which allows us to pass on the overheard cost savings from operating an expensive network of branches on to our customers in the form of lower fees, better rates or higher rewards.

As of January 2025, Quontic Bank operates exclusively through five dedicated mortgage office locations. While we do not have traditional retail banking branches, our team is equipped to serve customers nationwide through digital channels. For more details, please visit our Contact Us page.

Quontic offers a full suite of innovative financial products designed to meet your personal banking and homeownership needs. Our offerings include a variety of personal deposit accounts—such as high-interest checking, savings, and CDs—as well as a wide range of mortgage loan options for both traditional and non-traditional borrowers.

You can easily apply online for any Quontic checking, savings, or CD account. Just click “Get Started” on the product you’re interested in. Click here to navigate to our product page. 

Applications are only accepted online through our website. This helps keep your information secure and the process streamlined. 

To make your application smooth, please have the following ready:

• Your full legal name
• Email address and phone number
• Social Security number
• Current residential address
• Funding details for your opening deposit
• A valid U.S. government-issued ID (may be requested)
• Eligibility: You must be a U.S. citizen or permanent resident and at least 18 years old.

Note: If you’re opening a joint account, each applicant must enter their own personal information and complete their portion of the application separately.

Most applications are processed and decisioned within minutes after submission.

Yes. All applications are reviewed and subject to approval.

If your application is not approved, we’re unable to offer you a Quontic account at this time.

We are continuously working to improve our process, please check again in 6 months. 

No. Quontic serves customers nationwide, and you don’t need to live in a specific state. However, to open an account, you must be a U.S. citizen or permanent resident with a valid U.S. residential address—even if you’re currently living abroad.

Not at all! You can apply using any device that connects to the internet—whether it’s a desktop computer, laptop, tablet, or mobile phone. Just visit our website to get started.

Not yet! The Quontic mobile app is designed for existing customers to manage their accounts. To open a new account, please visit our website and click “Open an Account” to get started—it’s quick and easy!

No, joint owners aren’t added automatically when you open an account. If you’d like to share your account with someone, you’ll need to send them a joint owner invitation once your account is set up. 

No, once your application has been submitted and a decision has been made, cancellation is not permitted.

Absolutely! We’d love to welcome you back. You can apply for a new account directly through our website—just choose the product you’re interested in and follow the steps to get started.

Yes! We recommend using the same email address when applying for a new account. If you run into any issues, our Customer Care team is happy to assist.

To apply for a new account:

1. Visit https://open.quonticbank.com/login
2. Enter your email address
3. Enter the verification code sent to your email
4. Enter your Social Security Number
5. Click “Open a New Account” to begin

If you can’t access the email address linked to your previous Quontic account, please contact our Customer Care team for assistance. 

Unfortunately, once an account is closed, it cannot be reopened. You’ll need to apply for a new account.

No. Each new account will have a unique account number.

Yes. For security and compliance reasons, all applicants must verify their identity—even if you were a previous customer.

No problem! Just give our Customer Care team a call, and we’ll help you update your details. 

Yes. If you’re concerned about outdated contact info, reach out to Customer Care before starting your new application. 

It depends on how long ago your account was closed. In some cases, your credentials may still work. If not, you’ll need to register again when you open a new account.

If your account was closed by Quontic, we recommend reaching out to our Customer Care team to discuss your options. 

If your account was closed due to specific issues, there may be restrictions. We recommend contacting Customer Care to understand your eligibility. 

Yes! You’re welcome to explore all of our available products and apply for any account that fits your current needs.

Each application is reviewed independently. However, if your previous account was closed due to specific issues, it may impact your eligibility. 

If you need access to past documents, our Customer Care team may be able to assist depending on how long ago your account was closed.

Yes. If your application is not approved, you’ll receive a notification. For more details, you can always reach out to our Customer Care team.

Yes, you can use any valid funding method during your new application. If you have questions about acceptable funding sources, our team is happy to help.

Our Customer Care team is happy to help! 

Yes, you can! As an existing customer, you have multiple convenient options to apply for a new account.

You can apply using one of the following methods:

1. Apply via your Application Portal
2. Apply via Online Banking
3. Apply via the Quontic Mobile App

To apply for a new account:

1. Visit https://open.quonticbank.com/login
2. Enter your email address
3. Enter the verification code sent to your email
4. Enter your Social Security Number
5. Click “Open a New Account” to begin

To apply for a new account:

• First, log into your Online Banking Portal by visiting https://olb.quontic.com/Authentication .
• Once you are logged in, navigate to the “Accounts” section.
• Next, click or tap on “Apply for a New Account.”
• Finally, select “Continue,” then tap “Open a New Account” to start your application.

If you use the Quontic Mobile App, here’s how to apply:

1. Log into your Quontic Mobile App
2. Tap on More
3. Select Accounts
4. Tap Apply for a New Account
5. Select Continue, then tap “Open a New Account” to begin

Yes. For security and compliance reasons, all applicants must verify their identity—even if you are an existing customer.

Yes! We recommend using the same email address when applying for a new account. If you run into any issues, our Customer Care team is happy to assist.

Yes! During your new application, you can select any valid funding method that was previously saved to your application portal. If you prefer, you can also add a new funding method at that time.

 You can log into your online banking by selecting Settings> Account Preferences > Contact 
Once it has been updated, you can refresh your application and the information should be updated.  

Yes, please use the email address on file. 

No, you must send a new joint owner invite if you wish to have a joint account. 

Yes, once your new account is active, you can transfer funds between accounts using Online Banking or the Mobile App.

No, preferences are set per account. You’ll need to configure alerts and notifications for each new account individually.

No, once your application has been submitted and a decision has been made, cancellation is not permitted.

To resume your incomplete application:

1. Visit https://open.quonticbank.com/login
2. Enter your email address
3. Enter the verification code sent to your email
4. Enter your Social Security Number
5. Click “Application”
6. Click on “Complete” to continue your application

This process applies whether you’re a new applicant or an existing Quontic customer.

To resume your incomplete application:

1. Go to https://olb.quontic.com/Authentication
2. Select Accounts
3. Tap Apply for a New Account
4. Select Continue
5. Click “Application”
6. Click on “Complete” to continue your application

This process applies to existing Quontic customers only.

To resume your incomplete application:

1. Log into your Quontic Mobile App
2. Tap on More
3. Select Accounts
4. Tap Apply for a New Account
5. Click “Application”
6. Click on “Complete” to continue your application

This process applies to existing Quontic customers only.

Yes, reminder emails are sent periodically until the application is either completed or cancelled. These reminders help ensure you don’t miss out on finalizing your account.

No, once you’ve started an application, the product type cannot be changed. If you wish to apply for a different account type, you’ll need to cancel the current application and start a new one for the desired product.

While there’s no strict deadline, incomplete applications will expire after 90 days of initiating the application. We recommend completing your application promptly to avoid starting over.

No, you’ll not receive an email notification if your application has expired.

Each application is treated separately. You can cancel any duplicates by logging into the application portal and selecting the one you wish to cancel.

Yes, your progress is saved automatically. You can resume at any time by logging into the application portal.

If you’re experiencing issues, try clearing your browser cache or using a different browser. You can also contact Quontic Customer Care for assistance.

Yes, you can start a new application even if you have an incomplete one. However, we recommend cancelling any applications you no longer wish to complete to avoid confusion.

To cancel your incomplete application:

1. Visit https://open.quonticbank.com/login
2. Enter your email address
3. Enter the verification code sent to your email
4. Enter your Social Security Number
5. Click “Application”
6. Click on “Cancel”

This process applies whether you’re a new applicant or an existing Quontic customer.

To cancel your incomplete application:

1. Go to https://olb.quontic.com/Authentication
2. Select Accounts
3. Tap Apply for a New Account
4. Select Continue
5. Click “Application”
6. Click on “Cancel”

This process applies to existing Quontic customers only.

To cancel your incomplete application:

1. Log into your Quontic Mobile App
2. Tap on More
3. Select Accounts
4. Tap Apply for a New Account
5. Select Continue
6. Click “Application”
7. Click on “Cancel”

This process applies to existing Quontic customers only.

We’re unable to delete information from denied applications. This data is retained to maintain the integrity of our application process and comply with regulatory requirements.

Rest assured, we do not sell or use your information for any other purpose. For details, please refer to our Privacy Statement.

A joint application allows two or more individuals to share ownership of a single account. Each joint owner has equal access to the account, including the ability to make transactions, request account features, and receive statements.

You can add a spouse, family member, or trusted individual as a joint owner. The person must meet eligibility requirements, such as providing valid identification and passing any necessary verification checks.

To add a joint owner, first open your individual account. Once your account is active, you can invite a joint owner by sending a joint invitation email to their personal email address. 

Yes, each account can have up to four joint owners. 

No, you must open your individual account first. Once your account is active, you can send a joint owner invitation to the person you wish to add. This allows them to complete their portion of the application and be added to the account.

To make your application smooth, please have the following ready:

• Your full legal name
• Email address and phone number
• Social Security number
• Current residential address
• Funding details for your opening deposit
• A valid U.S. government-issued ID (may be requested)
• Eligibility: You must be a U.S. citizen or permanent resident and at least 18 years old.

Note: If you’re opening a joint account, each applicant must enter their own personal information and complete their portion of the application separately.”

Yes. All joint applications are reviewed and subject to approval.

Most joint applications are processed and decisioned within minutes after submission. However, depending on the information provided, your joint applicant may be asked to submit additional documentation. In such cases, the review process may take up to 10 business days.

Once your account is open, you can invite a joint owner by following these steps:

1. Visit https://open.quonticbank.com/login
2. Enter your email address
3. Enter the verification code sent to your email
4. Enter your Social Security Number
5. Click “Account”
6. Click on “Set Up”
7. Click on “Manage Joint Owner”
8. Click on “Add Joint Owner”
9. Enter your joint owner’s first name, last name and their email address

This process applies whether you’re a new applicant or an existing Quontic customer.”

Once your account is open, you can invite a joint owner by following these steps:

1. Go to https://olb.quontic.com/Authentication
2. Select Accounts
3. Tap Apply for a New Account
4. Select Continue
5. Click “Account”
6. Click on “Set Up”
7. Click on “Manage Joint Owner”
8. Click on “Add Joint Owner”
9. Enter your joint owner’s first name, last name and their email address

This process applies to existing Quontic customers only.

You can request to add additional joint owners through your online banking portal. Just follow these steps:

1. Log in to your account
2. Navigate to Tools
3. Go to Message Center > Compose
4. Select “Joint Owner Questions” from the dropdown
5. Submit your request to add another joint owner

Note: One of our Customer Specialists will review your request and respond within 1–2 business days with the next steps.

Once your joint owner completes their portion of the application, they will receive an automatic email confirming the decision. 

We encourage the joint applicant to reach out to our Customer Care team directly to further assist with any application questions.  

No, a joint applicant is not the same as a beneficiary. When you invite someone to be a joint owner, they receive full access to the account, including the ability to make transactions, request account features, and view statements. A beneficiary, on the other hand, does not have access to the account during your lifetime and is only designated to receive funds in the event of the account holder’s passing.

No, a joint owner cannot also be listed as a beneficiary on the same account. Joint owners have full access and control over the account, while beneficiaries are designated to receive funds only in the event of the account holder’s passing.

Yes, joint owners have full access to the account and may use any services Quontic offers for that specific account. This includes requesting checks, debit/ATM cards, PayRing, and other available features. These services are accessible to both primary and joint account holders.

Have the joint owner check their email and follow the steps to complete application.

Joint owners can view shared account details such as transaction history, balances, and statements. However, personal information like Social Security numbers or identification documents submitted during the application process is not visible to other joint owners.

No, joint owners cannot be removed from an account once added. The only option to remove a joint owner is to close the account entirely and open a new one.

Yes, you can convert your individual account into a joint account by inviting a joint owner through your online banking portal. There’s no need to open a new account—just follow the steps to add a joint owner.

Yes, if you need to cancel a joint owner invitation, please follow the steps below:

1. Go to https://olb.quontic.com/Authentication
2. Select Accounts
3. Tap Apply for a New Account
4. Select Continue
5. Click Account
6. Click on Set Up
7. Click on Manage Joint Owner
8. Click on Cancel

Note: If your joint applicant has already submitted their portion of the application and has been successfully added to the account, cancellation is no longer possible. In that case, the only option is to close the account entirely and open a new one.

If your joint owner hasn’t received the invitation, ask them to check their spam or junk folder first. If it’s not there, you can resend the invitation by following the same steps you used to send it initially.

Note: You may need to cancel the original invitation and send a brand new one if the first attempt doesn’t go through properly.

If your joint owner repeatedly doesn’t receive the invitation email—even after checking spam folders and resending—it may be due to email filtering or a typo in the email address.

Here’s what you can do:

1. Double-check the email address you entered for accuracy
2. Cancel the original invitation using the steps in your online banking portal
3. Send a brand new invitation using a verified and correctly spelled email address
4. If the issue persists, contact Customer Care for further troubleshooting

Yes, each joint owner can log in separately using their own credentials once their portion of the application is approved. They’ll have full access to mobile banking features, including viewing transactions, transferring funds, and managing account settings.

No, once an invitation is sent, the email address cannot be edited. You’ll need to cancel the original invitation and send a new one using the correct email.

No, only one initial deposit is required to open the account. Joint owners do not need to fund the account separately unless they choose to.

We understand how disappointing it can be to have your application declined. At this time, we’re unable to accept a new application once one has been declined.

However, we’re continuously working to improve our process, and we encourage you to check back in 6 months to try again. We appreciate your interest in Quontic Bank and hope to serve you in the future.

You will receive a notification via email with details regarding the status of your application.

No. If your application is declined, Quontic will not initiate a funding deposit from your external account.

We’re unable to delete information associated with declined or cancelled applications. Maintaining these records is necessary to ensure the integrity of our application process and to comply with banking regulations.

Rest assured, we do not sell or use your information for any other purpose.

For more details, please refer to our Privacy Statement.

The funding step takes place during the application process. Before submitting your application, you’ll be prompted to either link your external bank account or manually enter your account details. You’ll also need to authorize the initial deposit at that time.

This step is required to complete and submit your application.

To fund your account, you must link a personal external bank account in your name (or a joint account where you’re listed) during the application. This allows us to initiate an ACH transfer for the opening deposit.

No, the initial deposit must be completed during the application process. Your account cannot be opened without successfully funding it at that time.

During the application process, you’ll be prompted to securely connect your external bank account using our verification system. This allows us to initiate the funding deposit via ACH transfer.

Linking an external account in your name is required to fund a new account.

If you do not have an eligible external account, you will not be able to proceed with the application at this time.

No, the external account used for funding must be in your name or a joint account where you are listed as an account holder.

No, checks or cash cannot be used for the initial funding deposit.

To proceed with your application, you must link an external bank account and initiate an ACH transfer during the application process.

No, Zelle® cannot be used to fund your new account.

You must link an external bank account during the application to initiate an ACH transfer.

No, only personal accounts are eligible for the initial funding deposit.

ACH transfers typically take 1–3 business days to complete. 

Yes. If you used an external bank account for your initial deposit, the funds will be placed on hold for 5 business days after your application is approved. This hold period allows time for the ACH transfer to fully clear and ensures secure processing.

If the funding transfer is unsuccessful, your account will be restricted to protect against potential risks. In such cases, we may request documentation permitted by law to verify your information and determine next steps.

To help avoid delays, please ensure your external account is correctly linked and has sufficient funds before initiating the transfer.

Once the funding deposit is authorized and the application is submitted, it cannot be canceled.

Yes. The minimum and maximum deposit amounts allowed during the application process will be displayed on the funding page after you enter your desired deposit amount.

Please review the displayed limits carefully before proceeding to ensure your deposit meets the requirements.

Please check your Spam or Junk folders first. If you still haven’t received the email, it may be due to your email provider blocking messages from our application portal.

Some domains (e.g., sbcglobal.net or att.net) may block these emails entirely, which unfortunately we cannot troubleshoot.

We recommend using a different email provider to continue your application.

If the verification code is entered incorrectly multiple times, your application will be temporarily locked for 24 hours. Please wait for the lockout period to expire before trying again.

We’re happy to help! Please contact our Customer Care team during business hours.

This could be due to missing required fields, incorrect formatting, or a temporary system issue. Please double-check your entries and try again. If the issue persists, contact our Customer Care team for assistance.

You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/banking/checking/high-interest-checking/.

The minimum deposit required to open a High Interest Checking account is $100.

Yes. During the application process, you can fund your new account with:

• Up to $500 if you choose to manually enter your external account information.
• Up to $1,000 using our Plaid feature, which securely connects to your external bank for the initial deposit only.

High Interest Checking is a personal checking account that earns interest on your balance, offering competitive rates when qualifying transaction requirements are met.

No, there is no minimum daily balance required to earn interest on this account.

No, there are no monthly maintenance fees to keep your account active. For details on other services and potential fees, please refer to our Schedule of Fees.

To qualify for the current APY, you need to make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle.

Earn the current 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. Failure to make qualifying transactions will result in 0.01% interest and APY.

The following activities are not considered POS Debit card transactions and do not count toward earning interest:

• 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.

If you do not meet the qualifying transaction requirements, your account will earn interest at the default rate of 0.01% APY.

We may change the interest rate on your account at any time without notice.

Interest is compounded daily and deposited into your account on the 10th of each month (unless it falls on a holiday or a weekend, then the interest is deposited on the business day before) based on your daily balance and satisfying the point of sale eligible transactions requirements per statement cycle. 

No, there is no limit to the number of transactions you can make each month.

Monthly statements are delivered electronically and can be accessed through online banking or the Quontic mobile app.

Yes, direct deposit can be set up through your employer or by using the Direct Deposit feature available in our online banking or mobile app.

Yes, you can link your High Interest Checking account to external financial institutions or third-party apps using their external transfer or account linking features. This allows for seamless integration with budgeting tools, payment platforms, and other financial services.

No, account conversions are not supported. To switch to a different product type, you will need to open a new account that meets your needs.

You can securely open your new Wearable Checking account online in less than 3 minutes by visiting
https://www.quontic.com/banking/checking/wearable-checking/

The minimum deposit required to open a Wearable Checking account is $100.

Yes. During the application process, you can fund your new account with:

• Up to $1,000 using our Plaid feature, which securely connects to your external bank for the initial deposit only.
• Up to $500 if you choose to manually enter your external account information.

Wearable Checking is the nation’s first checking account that includes a complimentary Pay Ring—a secure, contactless payment device that allows you to make purchases without carrying a physical debit card.

Please note: This account does not earn interest and does not offer cashback rewards.

No, there is no minimum daily balance required to earn interest on this account.

No, there are no monthly maintenance fees to keep your account active. For details on other services and potential fees, please refer to our Schedule of Fees.

The Pay Ring has to be ordered separately by completing the order form at https://www.quontic.com/pay-ring-order/

No, there is no limit to the number of transactions you can make each month.

Monthly statements are delivered electronically and can be accessed through online banking or the Quontic mobile app.

Yes, direct deposit can be set up through your employer or by using the Direct Deposit feature available in our online banking or mobile app.

Yes, you can link your High Interest Checking account to external financial institutions or third-party apps using their external transfer or account linking features. This allows for seamless integration with budgeting tools, payment platforms, and other financial services.

No, account conversions are not supported. To switch to a different product type, you will need to open a new account that meets your needs.

You can securely open your new Cash Reward Checking account online in less than 3 minutes by visiting https://www.quontic.com/cash-rewards-checking/

The minimum deposit required to open a Cash Rewards Checking account is $100.

Yes. During the application process, you can fund your new account with:

• Up to $1,000 using our Plaid feature, which securely connects to your external bank for the initial deposit only.
• Up to $500 if you choose to manually enter your external account information.

Cash Rewards Checking is a personal checking account that does not earn interest but may offer cash rewards based on qualifying activity.

No, there is no minimum daily balance required to earn interest on this account.

No, there are no monthly maintenance fees to keep your account active. For details on other services and potential fees, please refer to our Schedule of Fees.

To earn cash back, use your Quontic Debit Card on qualifying point of sale (POS) debit card transactions. These transactions must post and settle to the account within each statement cycle to receive 1.00% cash back. 

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.

Yes there is. You can earn 1.00% cash back on eligible debit card purchases, up to a total of $50 per statement cycle. It’s a great way to get rewarded for your everyday spending!

Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle, which is the 10th of every month. 

No, there is no limit to the number of transactions you can make each month.

Monthly statements are delivered electronically and can be accessed through online banking or the Quontic mobile app.

Yes, direct deposit can be set up through your employer or by using the Direct Deposit feature available in our online banking or mobile app.

Yes, you can link your High Interest Checking account to external financial institutions or third-party apps using their external transfer or account linking features. This allows for seamless integration with budgeting tools, payment platforms, and other financial services.

No, account conversions are not supported. To switch to a different product type, you will need to open a new account that meets your needs.

You can securely open your new Money Market Checking account online in less than 3 minutes by visiting
https://www.quontic.com/banking/checking/money-market-account/

The minimum deposit required to open a Money Market Checking account is $100.

Yes. During the application process, you can fund your new account with:

• Up to $1,000 using our Plaid feature, which securely connects to your external bank for the initial deposit only.
• Up to $500 if you choose to manually enter your external account information.

Money Market is a personal interest-bearing account that offers a competitive yield on your balance. It combines the earning potential of a savings account with the transactional flexibility of a checking account, including features like check-writing privileges and debit card.

No, there is no minimum daily balance required to earn interest on this account.

No, there are no monthly maintenance fees to keep your account active. For details on other services and potential fees, please refer to our Schedule of Fees.

You will receive the advertised rate when you open your Money Market account. Please note that this is a variable rate account, and the rate is subject to change at any time without notice.

No, there is no introductory rate period. The rates shown apply to all new and existing accounts. This is a variable rate account and rates are subject to change at any time.

Interest on your account is compounded daily, based on your balance. The total earned is deposited on the 10th of each month, or the prior business day if the 10th is a weekend or holiday. Daily compounding helps your interest grow faster, since each day’s interest earns more interest.

Note: The amount of interest paid may vary month to month, depending on the number of days in the cycle.

This is a variable rate account, the interest rate can change at any time without notice.

No, there is no limit to the number of transactions you can make each month.

Monthly statements are delivered electronically and can be accessed through online banking or the Quontic mobile app.

Yes, direct deposit can be set up through your employer or by using the Direct Deposit feature available in our online banking or mobile app.

Yes, you can link your High Interest Checking account to external financial institutions or third-party apps using their external transfer or account linking features. This allows for seamless integration with budgeting tools, payment platforms, and other financial services.

No, account conversions are not supported. To switch to a different product type, you will need to open a new account that meets your needs.

Quontic offers a High Yield Savings account. To learn more about the product and features, please visit our https://www.quontic.com/banking/savings/high-yield-savings/

The minimum deposit required to open a High Yield Savings account is $100.

Yes. During the application process, you can fund your new account with:

• Up to $1,000 using our Plaid feature, which securely connects to your external bank for the initial deposit only.
• Up to $500 if you choose to manually enter your external account information.

High Yield Savings is a personal savings account that earns interest at a competitive rate, helping you grow your savings while maintaining access to your funds.

No, there is no minimum daily balance required to earn interest on this account.

No, there are no monthly maintenance fees to keep your account active. For details on other services and potential fees, please refer to our Schedule of Fees.

No, there are no transaction or balance requirements to earn the advertised APY. All account holders receive the stated interest rate regardless of activity or balance.

We may change the interest rate on your account at any time without notice.

Interest on your account is compounded daily, based on your balance. The total earned is deposited on the 10th of each month, or the prior business day if the 10th is a weekend or holiday. Daily compounding helps your interest grow faster, since each day’s interest earns more interest.

Note: The amount of interest paid may vary month to month, depending on the number of days in the cycle.

No, there is no limit to the number of transactions you can make each month.

Monthly statements are delivered electronically and can be accessed through online banking or the Quontic mobile app.

Yes, direct deposit can be set up through your employer or by using the Direct Deposit feature available in our online banking or mobile app.

Yes, you can link your High Interest Checking account to external financial institutions or third-party apps using their external transfer or account linking features. This allows for seamless integration with budgeting tools, payment platforms, and other financial services.

No, account conversions are not supported. To switch to a different product type, you will need to open a new account that meets your needs.

Quontic offers a variety of Certificate of Deposit accounts. To learn more about the different terms and options, please visit our https://www.quontic.com/banking/savings/certificates-of-deposit/

The minimum deposit required to open a CD is $500.

The maximum deposit to open a CD is $1,000,000.

Once a CD is opened, you can’t add funds during its term. However, when the CD matures, you’ll have a 10-day grace period to add funds before it renews. During that time, you can:

• Transfer from a Quontic checking or savings account
• Send a wire transfer from an external bank
• Open a new CD with additional funds

A CD is a savings account with a fixed interest rate and a set term. You agree to leave your money in the account for that period—typically a few months to several years—in exchange for a higher return than a regular savings account. CDs offer a secure, predictable way to grow your savings.

We may change the advertised Annual Percentage Yield rate any time without notice.

Your CD account will be opened at the Annual Percentage Yield (APY) that was effective on the day you submitted your application for approval.

Your CD rate will be unaffected and remain the same. When you open a CD with Quontic, you are locked into that rate at the time of the application for the CD’s entire term length.

Interest is compounded daily and credited to your account monthly. Interest is calculated using the daily balance method. This method applies a daily periodic rate to the principal and interest that has accrued in the account each day.

Interest on your CD is typically posted either at the end of the month or on the 10th of each month. You can view your accrued interest through Quontic’s Online Banking platform.

You can view your CD maturity date by:

1. First, log into your Online Banking Portal by visiting https://olb.quontic.com/Authentication.
2. Once you are logged in, navigate to the “CD Account”
3. Next, click or tap on “Account Details.”

Your account information will be displayed.

You can view your CD details by signing onto your Online Banking Platform. Navigate to your account and click on Account Details.

We’ll send you a reminder by mail about 30 days before your CD matures.
Once your CD matures, you’ll have a 10-day grace period starting on the date of maturity to:

• Change the term
• Make a full or partial withdrawal
• Close the account

If we don’t receive instructions from you by the end of the grace period, your CD will automatically renew for the same term at the newly advertised Annual Percentage Yield.

Yes, you will receive a confirmation when your CD automatically renews. The confirmation will be mailed to the address on file when on the maturity date.

Account conversions are not supported. If you wish to switch to a different product type, such as a checking or savings account, you will need to open a new account that aligns with your financial needs.

Yes, you may convert your CD to a different term once it reaches maturity. 

No, Quontic does not provide CD statements. However, you can view your interest payments and CD activity through our Online Banking Platform.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the U.S. government that protects depositors by insuring their funds in the event an FDIC-insured bank fails.

If your bank is FDIC-insured—like Quontic Bank—your deposits are automatically protected up to $250,000 per depositor, per ownership category, per bank. This coverage is backed by the full faith and credit of the United States government.

FDIC deposit insurance safeguards your money if an FDIC-insured bank fails. You don’t need to apply or pay for this coverage—it’s automatic when you open a deposit account at an FDIC-insured institution.

Coverage includes both the principal and any interest accrued through the date of the bank’s failure, up to the insurance limit.

You don’t need to take any action. As long as your deposit account is held at an FDIC-insured bank, your funds are automatically protected up to the applicable limits.

You can confirm Quontic’s FDIC insurance status by visiting the FDIC’s BankFind Suite and searching for “Quontic.”

Please go to: https://banks.data.fdic.gov/bankfind-suite/bankfind where you will be able to search for Quontic.

You can check your coverage in a few simple ways:

• Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE):
  Visit edie.fdic.gov and enter your account details to see how much of your money is insured.
• Submit a request online:
  Go to the FDIC Information and Support Center to ask about your deposit insurance coverage.
• Call the FDIC:
  Speak directly with a deposit insurance specialist by calling 1-877-ASK-FDIC (1-877-275-3342).

The standard FDIC insurance covers up to $250,000 per depositor, per FDIC-insured bank, per ownership category.

This means your coverage depends on:

• How your accounts are titled (e.g., individual, joint, revocable trust (Beneficiaries))
• Where your accounts are held (each FDIC-insured bank is covered separately)
• The total balance across all accounts in the same ownership category

To get a personalized estimate of your coverage, you can use the FDIC’s Electronic Deposit Insurance Estimator (EDIE).

Deposit products are the types of accounts you can open at a bank, such as:

• Checking accounts
• Savings accounts
• Money Market Deposit Accounts (MMDAs)
• Certificates of Deposit (CDs)

These products are FDIC-insured when held at an FDIC-insured bank.

Ownership categories refer to how your accounts are owned or titled, and they determine how much FDIC insurance coverage you qualify for. Examples include:

• Single accounts (owned by one person)
• Joint accounts (owned by two or more people)
• Revocable trusts (e.g., Payable on Death [POD] or In Trust For [ITF] accounts)

Each ownership category is insured separately, which may allow you to qualify for more than $250,000 in total coverage.

Yes. You may qualify for more than $250,000 in coverage at a single FDIC-insured bank if your funds are held in different ownership categories.

For example, a revocable trust account with one owner and three unique beneficiaries may be insured up to $750,000.

An External Transfer allows you to move funds between your checking or savings accounts at different U.S. financial institutions. Please note: CD accounts are not eligible for External Transfers through Online Banking.

External Transfers provide a convenient and secure way to manage your finances by allowing you to move money between your accounts at different banks.

Limits are only visible once the feature is enabled. If your account is less than 30 days old, you will not be able to view limits.

To view limits:

• Online Banking (Desktop):
  Transfers & Pay → Transfers → Make a Transfer → View Limits
• Mobile App:
  Transfers → Make a Transfer → View Limits

You can add an external account instantly by entering your online banking credentials for the other institution. If your bank is not listed or does not support Plaid, you can manually add the account and verify it using micro deposits (1–3 business days).

After adding an external account, a micro deposit will be made to that account within 1-3 business days. Once you see the deposit, log in to your online banking, navigate to the External Transfer section, and follow the steps to verify your external account.

Quontic does not charge fees for External Transfers initiated through Online Banking. However, your other financial institution may charge fees for certain types of transfers, such as same-day processing.

• Daily Limit: $2,000
• Monthly Limit: $10,000

**These limits are fixed and cannot be increased.

Transfers typically take 1–3 business days to process.

• Online Banking (Desktop):
  Transfers & Pay → Transfers → Activity
• Mobile App:
  Transfers → Activity

Yes. You can schedule transfers to recur daily, weekly, monthly, or at custom intervals.

Yes, we have security measures to protect your information and transactions, such as multi-factor authentication, and monitoring for suspicious activity.

No. Once initiated, External Transfers cannot be canceled.

Yes. You can transfer to and from checking, savings, and money market accounts. CD accounts are not eligible.

You can set up alerts via Online Banking or the Mobile App:

• Online Banking (Desktop):
  Settings → Account Preferences → Alerts
• Mobile App:
  More → Settings → Account Preferences → Alerts

If you need to transfer more than your limit, consider these alternatives:

1. Initiate a transfer from your other financial institution using your Quontic account and routing number (021473030).
2. Write a personal check (if applicable) and deposit it at your other bank.
3. Request a Wire Transfer (fees apply).

No. External Transfers are designed for moving funds between accounts that you personally own at different U.S. financial institutions. They cannot be used to pay bills or send money to third parties. For those purposes, consider using bill pay services or our Zelle® feature via the Mobile App.

Contact our Customer Care team immediately. We will investigate and take steps to secure your account.

There is no limit to the number of transfers you can initiate, as long as you stay within your daily and monthly dollar limits.

IIf an External Transfer fails, it may be due to one of the following reasons:

1. Incorrect account or routing number
2. Incorrect Account Type
3. Insufficient funds
4. Account restrictions or limits
5. Connectivity issues with the external financial institution

We recommend reviewing the transfer details and contacting Customer Care for assistance if needed.

To avoid delays, initiate your External Transfers well in advance of any due dates or deadlines. Transfers typically take 1–3 business days to process, so planning ahead is key.

Yes. You can set up notifications for both successful and failed transfers through your Online Banking platform. Alerts can be sent via email or text to help you stay informed about your account activity.

External Transfers initiated on weekends or federal holidays will be processed on the next business day. Please plan accordingly to ensure timely delivery of funds.

No. For security reasons, External Transfers cannot be initiated over the phone. You must use our Online Banking platform or Mobile App to complete these transactions.

To remove an external account from your Online Banking profile:

1. Log in to Online Banking
2. Go to Settings
3. Select Account Preferences
4. Click on Accounts
5. Under ACH Accounts, click the trash can icon next to the account you wish to remove
6. Confirm the deletion”

To remove an external account from your Online Banking profile:

1. Log into the Quontic Mobile App:
2. Navigate to More
3. Go to Settings
4. Select Account Preferences
5. Click on Accounts
6. Under ACH Accounts, click the trash can icon next to the account you wish to remove
7. Confirm the deletion”

You’ll need the account number, routing number, and account type of the external account. Alternatively, you can use your online banking credentials for the other financial institution if it supports Plaid integration.

Yes. You can view your transfer history—including completed, pending, and failed transfers—within the Transfers section of your Online Banking platform.

For urgent transfers, we recommend initiating a Wire Transfer, which typically processes within the same business day. Please note that wire transfer fees may apply.

Yes. You can schedule External Transfers for future dates using our Online Banking platform.

If you experience an error, double-check the account details and try again. If the issue persists, please contact our Customer Care team for assistance.

No. External Transfers are intended for moving funds between your own accounts at different financial institutions. To pay your credit card bill, please use the Bill Pay feature.

When adding an external account, you’ll see a list of supported financial institutions. If your institution is not listed, you can still add the account manually and verify it using micro deposits, which typically take 1–3 business days.

Yes, you can link a jointly owned external account as long as you are an authorized owner. The account must be in your name and meet verification requirements.

Entering incorrect account or routing numbers may cause your External Transfer to fail or be returned by the receiving institution. To help ensure successful transfers, always double-check your account details before submitting.

If incorrect information is submitted:

1. As part of our security protocols, your account may be temporarily restricted from certain Online Banking features—including External Transfers—while we review the transaction.
2. In some cases, we may request documentation to verify ownership of the external account or confirm the intended transfer via your Online Banking platform.

These measures are in place to protect your account and ensure the integrity of your transactions. Once the review is complete, any restrictions will be lifted and full access restored.”

No. External Transfers are intended for accounts owned by the same individual. Transfers between accounts with different ownership may be rejected or flagged for review.

Bill Pay is a secure service that allows you to pay bills directly from your bank account through Online Banking or our Mobile App.

Yes. We use encryption and advanced security measures to protect your information.

Quontic does not charge fees for Bill Pay. However, some payees may charge fees for electronic payments. Please confirm with your payee.

Bill Pay is available for eligible checking accounts.

Log in to Online Banking or the Mobile App, navigate to Bill Pay, and follow the prompts to add payees and schedule payments.

To add a Bill Payee:

• Mobile App:
  More → Transfers & Pay → Bill Pay → Add Biller
• Online Banking (Desktop):
  Transfers & Pay → Bill Pay → Add Biller

Select the payee in Bill Pay and follow prompts to update details.

Ensure all required fields are completed. If the issue persists, try again later or contact Customer Care.

Update the payee information in Bill Pay before scheduling your next payment.

Certain payees automatically accept electronic payments. If available, this option will be selected for you—no additional steps required.

If available, it means the biller accepts electronic payments. Follow the on-screen steps to add instantly.

Go to Bill Pay, locate the payment, and follow the prompts to edit or cancel.

Payments typically process within 1–3 business days, but delivery times may vary by payee.

Same-day payments are available for select payees. Check Bill Pay for eligible payees and cut-off times.

Same-day payments are only available for select payees and must be scheduled before the cut-off time.

Yes. You can set up recurring payments in the Bill Pay section by selecting the frequency and duration.

Yes. Payments can be scheduled up to one year in advance.

Your account is debited on the payment date you select, or when the check is deposited (for paper check payments).

Yes. You can pay using the payee’s name and address.

We’ll send a paper check. Your account is debited only when the check is deposited.

Yes. Most major credit cards, loan providers, and utility companies can be added as payees.

Yes. Limits vary by account age:

• Accounts < 30 days: Daily $4,000 | Weekly $5,000 | Monthly $10,000.
• Accounts ≥ 30 days: Daily $10,000 | Weekly $10,000 | Monthly $20,000.

Payments exceeding limits will not process. Wait for the next period or use a Wire Transfer (fees apply).

Yes. Payments must be scheduled before the daily cut-off time for same-day or next-day processing. Check the Bill Pay section for details.

A one-time-passcode is a unique code sent to your registered mobile number or email to verify your identity during sensitive transactions.

You’ll receive an OTP when adding a payee, making a payment, or modifying payment details.

Confirm your contact details and internet connection. If still not received, request a new code or contact Customer Care.

Yes. OTPs add an extra layer of security to protect your account.

No. Each OTP is valid for one transaction only.

Verify your information and try again. If the issue persists, contact Customer Care.

Check your account balance. If funds were sufficient and the payment failed, contact Customer Care.

Common reasons include incorrect payee details or insufficient funds. Review and reschedule if needed.

Contact Customer Care immediately. We will assist with investigating and resolving the issue.

Yes. You can download or print your payment history from Online Banking.

You can manage your Bill Pay alerts through your Bill Pay settings:

• Mobile App:
  More → Transfers & Pay → Bill Pay → Setting → Payment Alerts
• Online Banking (Desktop):
  Transfers & Pay → Bill Pay → Setting → Payment Alerts

Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S. – typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank. Ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly.

*A U.S. checking account is required to use Zelle® ®. Transactions between enrolled consumers typically occur in minutes but could take a few days and generally do not incur transaction fees.

To use Zelle®  with Quontic, you must have one of the following account types:

• Money Market
• Cash Rewards Checking
• High Interest Checking
• Wearable Checking

Additionally, ensure you enroll using an email address or mobile number not currently registered with Zelle®  at another financial institution.

It’s easy. Zelle® is already available within our Quontic Mobile App! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today. 

You can send, request, or receive money with Zelle®. After you’ve enrolled, simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes1. To receive money, just share your enrolled email address or U.S. mobile number with a friend or person you trust and ask them to send you money with Zelle®.

Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle® for these types of transactions. These transactions are potentially high risk. Zelle® should only be used to send money to friends, family, and others you trust. Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Quontic does not offer a protection program for any authorized payments made with Zelle®.

You can send money to friends, family, and others you know and trust who have an eligible bank account in the U.S. 

Zelle® is a great way to send money to friends, family or others you trust. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions, which are potentially high risk.

Yes, the maximum transaction limit is $500 and maximum allowed for total transactions per day is $1,000. Please note limits cannot be raised.

Quontic does not charge any fees to use Zelle®.

 Yes! They will receive a notification via email or text message.

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. You can go to your activity page within the Zelle® experience, choose the payment you want to cancel, and then select “Cancel This Payment.”

If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Zelle® payments aren’t immediate and if issued after business hours, will not show pending until after first full business day

If you receive an error during enrollment, it may be due to one of the following reasons:

Common Reasons:

• Your email address or U.S. mobile number is already enrolled with Zelle® through another bank or the Zelle® app.
  • Please note: A phone number or email address can only be linked to one financial institution’s Zelle® profile at a time.
• Your account is not eligible for Zelle® enrollment
• Zelle® is only available for eligible checking accounts.
• Your phone number or email is not eligible
• Must be a U.S. mobile number (no landlines, international numbers, or shared contact details).
• Your contact information is duplicated or shared
• Your email or phone number must be unique to your profile and not used by another account holder.

If the issue persists, please contact our Customer Care team for further assistance.

Keeping your money and information safe is a top priority for Quontic. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

If the recipient’s financial institution does not support Zelle®, you’ll need to use an alternative method to transfer funds, such as a wire transfer or another payment service.

If you are already enrolled with Zelle®: No action is needed. The money will be deposited directly into your linked bank account, typically within minutes.

If you are not enrolled: Log in to your Mobile App and complete Zelle® enrollment to receive the funds.

A wire transfer is a method of electronically transferring funds from one bank account to another, either domestically or internationally.

The fees for wire transfers are as follows:

• Domestic outgoing wire transfer: $25
• International outgoing wire transfer: $35 
• There are no fees for incoming wire transfers.

There is no wire limit as long as the funds, including the wire transfer fee, are available in your account.

No, accounts that have been open for less than 30 days do not have access to the wire transfer feature. Once your account has been open for more than 30 days, this feature will be enabled. Please reach out to Customer Care to complete a manual wire.

You will need to provide the recipient’s name, bank name, account number, and routing number (for domestic transfers) or SWIFT/BIC code (for international transfers).

Domestic and international wire transfers are typically processed within the same business day once the request has been fully verified and approved by both the customer and our Wire Specialist team.

Note: That delays or cancellation may occur if the verification process is not completed promptly with our team.

Once a wire transfer has been initiated, it cannot be canceled. Ensure all information is correct before submitting the transfer.

Wire transfers can be made to and from checking, savings, and money market accounts. Ensure the recipient’s account is eligible to receive wire transfers.

Currently, wire transfers cannot be scheduled for future dates. They must be initiated on the day you want the transfer to be processed.

For large transfers, initiate a wire transfer and ensure the funds are available in your account.

If you do not have sufficient funds, including the wire transfer fee,  the wire will not go through. 

Yes, wire transfers can be used for both personal and business accounts. Ensure you have the necessary information for the recipient’s business account.

A wire transfer is a real-time electronic transfer of funds between banks, typically processed within a few hours to a day. An ACH (Automated Clearing House) transfer is a batch-processed transfer that can take 1-3 business days to complete.

(Transfer time depends on business day/weekend or holiday, and time of day submitted.)

International wire transfers can be made in various currencies.

If you suspect fraud, contact our Customer Care team immediately. We will investigate the issue and take necessary actions to secure your account.

Yes, there may be additional fees for currency conversion. 

For security reasons, wire transfers cannot be initiated over the phone. You must use our Online Banking platform or Mobile App.

The cut-off time for same-day wire transfers is:

• Domestic Wires  4:00 PM EST
• International and Foreign Currency Wires is 12:00 PM EST

Wire transfers can only be sent to bank accounts. 

International wire transfers may require additional information, such as the recipient’s SWIFT/BIC code, the purpose of the transfer, and may require our manual process. 

Ensure you have all necessary details before initiating the transfer.

To send a wire transfer abroad in foreign currency, please reach out to our Customer Care team—we’ll be happy to guide you through the process. You can securely submit your request through the Online Banking Message Center using the steps below :

• Online Banking (Desktop):
  Tools → Message Center → Subject: Wire Transfer Request
• Mobile App:
  More → Tools → Message Center → Subject: Wire Transfer Request

Once your request is submitted, our team will review it and reach out to you.

You will need to provide the recipient’s name, bank name, account number, SWIFT/BIC code, and the currency in which you wish to send the funds. Additional documentation may be required, which we will provide upon request.

Some countries have currency restrictions that may affect wire transfers.

Some countries may have restrictions on wire transfers.

Double-check the information you entered and try again. If the issue persists, contact our Customer Care team for assistance.

While there is no specific limit as long as the funds are available in your account, large transfers may require additional verification. Contact our Customer Care team for assistance with large transfers.

All domestic and international wire transfers are processed in U.S. Dollars through the Online Banking platform.

No, wire transfers initiated through the Online Banking platform are processed in U.S. Dollars only. For foreign currency transfers, please contact our Customer Care team for assistance.

If you need to send a wire transfer in a foreign currency, you will need to contact us, and we will provide the required documentation needed for this process.

To receive an international wire transfer, provide the sender with the following information:

Intermediary Bank Information:
Intermediary Beneficiary Bank Name: Atlantic Community Bankers Bank (ACBB)
Intermediary Beneficiary Bank Address: 225 Grandview Ave Suite 401, Camp Hill, PA 17011
Intermediary Beneficiary Bank Swift Code: NORHUS33

Final Bank Destination:
Beneficiary Bank Name: Quontic Bank
Beneficiary Bank Address: 3105 Broadway, Astoria, NY, 11106
Beneficiary Bank Phone Number: 800-908-6600
Beneficiary Account Number: Your Quontic Bank account number
Beneficiary Bank Swift Code: NORHUS33
Beneficiary Bank Routing Number: 021473030

The SWIFT code for Quontic Bank is NORHUS33.

Yes, you can receive wire transfers in foreign currencies. The funds will be converted to U.S. dollars upon receipt, and any applicable conversion fees will apply.

To receive an incoming Domestic wire transfer, provide the sender with the following information:

Beneficiary Bank Name: Quontic Bank
Beneficiary Bank Address: 3105 Broadway, Astoria, NY, 11106
Beneficiary Bank Phone Number: 800-908-6600
Beneficiary Account Number: Your Quontic Bank account number
Beneficiary Bank Routing Number: 021473030

No, there are no fees for receiving incoming wire transfers at Quontic Bank.

Once a Certificate of Deposit (CD) is opened, additional funds cannot be added until the account reaches maturity.

Yes. Quontic uses industry-standard security measures to help protect your transactions.

For your safety, please keep the following in mind:

• Double-check account and recipient details before sending funds
• Never share your login credentials or security codes
• Avoid using public Wi-Fi when accessing your account
• Stay alert to unusual or unexpected requests for money

Once a Certificate of Deposit (CD) is opened, additional funds cannot be added until the account reaches maturity.

Yes. Quontic uses industry-standard security measures to help protect your transactions.

For your safety, please keep the following in mind:

• Double-check account and recipient details before sending funds
• Never share your login credentials or security codes
• Avoid using public Wi-Fi when accessing your account
• Stay alert to unusual or unexpected requests for money

Yes, our Money Market, High Yield Savings, and all Checking accounts are eligible for direct deposit.

Your employer will advise what they need to set this up for you. You’ll either need to provide them with your account number, routing number, and account type or they will require a Quontic provided Direct Deposit Form. If they allow you to set it up yourself, you may use the Direct Deposit Switch Tool

Contact us through chat at Quontic.com or send a secure message in Online Banking to request a Direct Deposit Form. We will get the information from you and will provide you with a Quontic Direct Deposit Form via secure message in Online Banking.

The name of your employer that needs the form and the percentage or dollar amount that you will be having deposited into your account

No, Quontic does not offer early direct deposit at this time. Direct deposits will be credited to your account once the funds are received from your payroll provider.

If your employer supports this feature and doesn’t need a form from your bank to set it up, yes, you can set up direct deposit using the Direct Deposit Switch tool in Online Banking

To access the Direct Deposit Tool through the website, begin by:

1. Logging into Online Banking
2. Select Tools
3. Select Set up Direct Deposit

Mobile Deposit is a convenient feature in the Quontic Mobile App that allows you to deposit checks anytime, and anywhere. Simply take a photo of your check and submit it through the app. It’s secure, fast, and easy to use.

Yes! You can deposit checks easily using the Quontic Mobile App once your account is active and verified. Mobile Deposit is available for most customers and is a secure, convenient way to add funds.

Note: CD accounts are not eligible for the Mobile Deposit feature. 

Yes. To activate Mobile Deposit:

1. Log in to the Quontic Mobile App.
2. Navigate to Deposit and follow the prompts to accept the Mobile Deposit disclosures.

Mobile Deposit works on most iOS and Android devices. Make sure your app is updated to the latest version for the best experience.

Follow these steps:

1. Log in to the Quontic Mobile App.
2. Tap Deposit at the bottom of your screen (look for the camera icon).
3. Agree to the Mobile Deposit Disclosures (first-time users only).
4. Review the Deposit Notice, then select Got it, Let’s go.
5. Choose the account you want to deposit into.
6. Enter the deposit amount.
7. Take clear photos of the front and back of the check.
8. Ensure your check is properly endorsed
9. Tap Submit Deposit.

Tip: Keep your check until the deposit clears.

Click here to see a demo!

On the back of the check:

• Sign your name exactly as it appears on your account.
• Write: “For Mobile Deposit Only at Quontic Bank.”

Also, make sure:

• The date is correct on the front.
• The payee name matches your account name.
• The written and numeric amounts match and are legible.

The check must be written to the account holder exactly as their name appears on the account.

Important: Do NOT make checks payable to Quontic Bank or anyone else. Beneficiaries are not considered account holders.

No. The name on the check must match the name on your Quontic account.

No. Third-party checks (checks made payable to someone other than the account holder) are not accepted.

No. Business checks must be deposited into a business account.

The standard limits are:

• Monthly limit: $25,000
• Daily limit: $10,000

If you would like to deposit an amount above your current limit, please reach out to our Customer Care team—we’ll be happy to assist you.

You can securely submit your request through the Online Banking Message Center using the steps below:

• Online Banking (Desktop):
  Go to Tools → Message Center → Compose → Select subject: Mobile Deposit Limit Increase – Temporary Request
• Mobile App:
  Tap Tools → Message Center → Compose → Select subject: Mobile Deposit Limit Increase – Temporary Request

Once your request is submitted, our team will review it and follow up with you as soon as possible to assist with next steps.

Yes. We do not accept:

1. Foreign checks – Checks drawn on banks outside the U.S.
2. Savings bonds – U.S. Treasury savings bonds cannot be deposited via Mobile Deposit.
3. Third-party checks – Checks made payable to someone other than the account holder.
4. Certain money orders or cashier’s checks – Some may require in-person verification for security reasons.

Deposits made before 4:00 PM ET (Mon–Fri, excluding holidays) are processed the same day.

Deposits made after 4:00 PM ET are processed the next business day.

Refer to our Funds Availability Policy within our Quontic Bank Disclosure Required By Federal Law Disclosure for timeframes when your check will be available for use.

Yes. Keep the check for at least 45 days before securely destroying it.

You’ll receive an email confirmation, and you can check the status under Deposit > Activity in the app.

If your deposit is not accepted, you’ll receive a notification via email or through our secure Message Center with more details to help you understand why.

Some common reasons include, but are not limited to:

• Missing endorsement
• Stale-dated checks
• Third-party checks that are not accepted
• Payee does not match account holders
• Check is not payable in U.S. dollars or drawn on a U.S. bank
• Image quality does not meet deposit requirements (e.g., shadows, folded check, poor lighting)

If you believe a duplicate deposit has occurred, please contact our Customer Care so we can review and assist you.

No. Once submitted, the deposit cannot be canceled. If you made an error, contact us for assistance.

Yes! Quontic uses industry-standard encryption and security protocols.

Security Tips:

1. Avoid public Wi-Fi when depositing.
2. Enable account alerts for deposits.
3. Never share your login credentials.

You can easily find and view your completed mobile deposits right in the Quontic Mobile App:

• Tap Deposit → Activity
• Select the deposit you’d like to view

From there, you’ll be able to see the details and keep a copy for your records anytime.

Tip: This is a quick and easy way to confirm your deposit and keep track of your activity.

Note: Only successfully completed deposits will appear in your Activity.

To order checks for the first time:

1. Log in to your Online Banking profile.
2. Navigate to Tools.
3. Select Secure Forms from the dropdown menu.
4. Choose Check Order Request Form.
5. Fill in all required information and submit the form.

Tip: Make sure your address and account details are correct before submitting to avoid delays.

To order more check books:

1. Log in to your Online Banking profile.
2. Navigate to Tools.
3. Select Secure Forms from the dropdown menu.
4. Choose Check Order Request Form.
5. Fill in all required information and submit the form.

Tip: Make sure your address and account details are correct before submitting to avoid delays.

We partner with Deluxe, a trusted check printing provider, to fulfill your check orders.

Check costs vary depending on the style and quantity you choose.

1. You’ll see the total cost before submitting your order.
2. Additional features like custom designs or expedited shipping may increase the price.

No, you can order checks from any reputable check printing company.

Important:

1. Ensure the checks meet banking standards (correct routing and account numbers).
2. Verify security features to help prevent fraud.

Yes, in most cases you can customize your checks. Options include:

1. Omitting your address.
2. Adding a phone number

Tip: Provide your customization request when placing the order.

Check orders typically arrive within 7–14 business days.

Please note:

1. Orders cannot be canceled or reissued before 14 business days unless there are exceptional circumstances.
2. Consider ordering early if you’re running low on checks.

You will receive a confirmation email sent to the primary account holder once your order is successfully placed.

Yes, an email notification will be sent to the account holder who placed the order when the checks are shipped.

Yes! You can track your check order using the email confirmation sent after your order is mailed.

If you haven’t received your checks within 14 business days of placing your order:

Contact us immediately so we can investigate and assist you.

A Quontic Debit Card is a secure and convenient way to access your funds. Linked directly to your Quontic Bank checking account, it allows you to:

1. Make purchases in-store and online
2. Withdraw cash from ATMs
3. Pay bills and subscriptions

Your Quontic debit card carries the Mastercard® logo, meaning it’s accepted globally wherever Mastercard is supported. It also includes features like contactless payments, fraud protection, and real-time transaction alerts for added convenience and security.

Yes. To order a Debit Card, you must have a Quontic Bank Checking account.

Debit Cards are not automatically issued when an eligible account is opened. To request your card:

• Visit https://open.quonticbank.com/login
• Enter your email address
• Enter the verification code sent to your email
• Enter your Social Security Number
• Select “Accounts”
• Click “Set Up” next to the account eligible for a Debit Card 
• Click “Add Card”

Once requested, your card will arrive within 10 – 14 business days.

Your card will arrive within 10–14 business days after you submit your request.

To activate your card, simply call our Card Services automated support line at 855-485-7039.

Please call from the phone number linked to your account and have your card on hand. Follow the voice prompts to complete the activation process.

Yes. As part of the activation process, you’ll be prompted to create a 4-digit PIN for added security.

To submit a new order for a Debit card:

• Go to https://olb.quontic.com/Authentication
• Select “Tools”
• Click on “Secure Forms”
• Click on “Debit/ATM Card Order Form”

This process is available for existing Quontic customers who currently have a Debit card on file

To submit a new order for a Debit Card:

1. Log into your Quontic Mobile App
2. Tap on More
3. Select “Tools”
4. Click on “Secure Forms”
5. Click on “Debit/ATM Card Order Form”

This process applies to existing Quontic customers only.

There is no fee for standard delivery (10–14 business days). However, expedited delivery is subject to a fee. Refer to our Schedule of Fees for additional details.

No. You can withdraw funds fee-free at over 90,000 ATMs nationwide.

Use our ATM Locator to find one near you.

Yes. When you use an ATM that is not part of the Quontic network, you may incur fees charged by the ATM operator or the network used. Additionally, some ATMs may charge a fee for balance inquiries—even if you do not complete a withdrawal or transfer.

Yes, you can use your Debit Card internationally.

Note: Foreign currency conversion fees and ATM operator fees may apply depending on the location and the ATM used.

You can withdraw cash at any ATM using your Debit Card.

You can view your card activity anytime through Online or Mobile Banking.

Your transaction history includes purchases, deposits, and withdrawals.

No. Each account holder may have only one active Debit Card per eligible account.

Yes. Your Debit Card can be used for recurring payments such as subscriptions, utilities, or memberships, as long as your account has sufficient funds.

Yes, you may request a temporary increase to your debit card limits. You can securely submit your request through the Online Banking Message Center using the steps below:

Online Banking (Desktop):

• Navigate to Tools → Message Center → Compose
• Select the subject: “Card Limit Increase – Temporary Request”

Mobile App:

• Tap Tools → Message Center → Compose
• Select the subject: “Card Limit Increase – Temporary Request”

Include all required details in your message to facilitate review and approval of your request.

Quontic will automatically mail you a replacement card before your current card expires. You should receive it at least two weeks prior to the end of the expiration month.

Once you receive your new card:

1. Activate it using the instructions provided.
2. Safely dispose of your expired card.

If you haven’t received your replacement card or need assistance, please contact our Customer Care team.

A Quontic ATM Card is designed for basic banking access through Automated Teller Machines (ATMs). With it, you can:

1. Withdraw cash
2. Check your account balance

Unlike the Quontic Debit Card, the ATM card cannot be used for purchases or online transactions. It’s ideal for customers who prefer a simple way to manage their account without the added functionality of a debit card.

Yes. To order a ATM Card, you must have a Quontic Bank Savings account.

ATM Cards are not automatically issued when an eligible account is opened. To request your card:

• Visit https://open.quonticbank.com/login
• Enter your email address
• Enter the verification code sent to your email
• Enter your Social Security Number
• Select “Accounts”
• Click “Set Up” next to the account eligible for an ATM Card 
• Click “Add Card”

Once requested, your card will arrive within 10 – 14 business days.

Your card will arrive within 10–14 business days after you submit your request.

To activate your card, simply call our Card Services automated support line at 855-485-7039.

Please call from the phone number linked to your account and have your card on hand. Follow the voice prompts to complete the activation process.

Yes. As part of the activation process, you’ll be prompted to create a 4-digit PIN for added security.

To submit a new order for a ATM card:

• Go to https://olb.quontic.com/Authentication
• Select “Tools”
• Click on “Secure Forms”
• Click on “Debit/ATM Card Order Form”

This process is available for existing Quontic customers who currently have a Debit card on file.

To submit a new order for a ATM Card:

1. Log into your Quontic Mobile App
2. Tap on More
3. Select “Tools”
4. Click on “Secure Forms”
5. Click on “Debit/ATM Card Order Form”

This process applies to existing Quontic customers only.

There is no fee for standard delivery (10–14 business days). However, expedited delivery is subject to a fee. Refer to our Schedule of Fees for additional details.

No. You can withdraw funds fee-free at over 90,000 ATMs nationwide.

Use our ATM Locator to find one near you.

Yes. When you use an ATM that is not part of the Quontic network, you may incur fees charged by the ATM operator or the network used. Additionally, some ATMs may charge a fee for balance inquiries—even if you do not complete a withdrawal or transfer.

Yes, you can use your ATM Card internationally.

Note: Foreign currency conversion fees and ATM operator fees may apply depending on the ATM used.

You can withdraw cash at any ATM using your ATM Card.

You can view your withdrawal activity anytime through Online or Mobile Banking. Simply log into your account and check your transaction history.

No. Each account holder may have only one active ATM Card per eligible account.

Yes, you may request a temporary increase to your ATM card limits. You can securely submit your request through the Online Banking Message Center using the steps below:

Online Banking (Desktop):

• Navigate to Tools → Message Center → Compose
• Select the subject: “Card Limit Increase – Temporary Request”

Mobile App:

• Tap Tools → Message Center → Compose
• Select the subject: “Card Limit Increase – Temporary Request”

Include all required details in your message to facilitate review and approval of your request.

Quontic will automatically mail you a replacement card before your current card expires. You should receive it at least two weeks prior to the end of the expiration month.

Once you receive your new card:

1. Activate it using the instructions provided.
2. Safely dispose of your expired card.

If you haven’t received your replacement card or need assistance, please contact our Customer Care team.

The Quontic Pay Ring is a wearable, contactless payment device that allows you to make purchases with a simple tap of your hand—no need to carry a debit card or phone. It works anywhere Mastercard® contactless payments are accepted.

Yes. To order a Pay Ring, you must have a Quontic Bank Checking account.

To place your first order, please complete the Pay Ring Order Form.

Your Pay Ring will arrive within 10–14 business days after you submit your request.

To activate your ring, visit the Pay Ring Activation Page. You’ll need the following:

1. Personal information associated with your Quontic Bank account
2. The activation code included in the packaging with your Pay Ring

Once activated, your ring will be ready to use for secure, contactless payments.

Yes. As part of the activation process, you’ll be prompted to create a 4-digit PIN for added security.

If you need to replace your Pay Ring for any reason—whether lost, or stolen—you can easily submit a new order by following these steps:

1. Go to https://www.quontic.com/pay-ring-order/
2. Personal information associated with your Quontic Bank account

Important:

Review Your Transactions:
Please log in to Online Banking or the Mobile App to check your recent transactions and ensure there are no unauthorized charges.

Secure Your Account:
To help protect your account and avoid delays, contact our Customer Care team via phone or send us a secure message requesting the deactivation of your current Pay Ring.

Note: Our policy allows only one active Pay Ring per account. Deactivating your current ring is required before a new one can be issued.

If your Pay Ring doesn’t fit comfortably:

Try wearing it on a different finger to see if it fits better.

If it still doesn’t work for you, you can request a replacement by following these steps:

1. Visit the Pay Ring order page: https://www.quontic.com/pay-ring-order/
2. Submit the personal information associated with your Quontic Bank account.

Important:
To avoid delays, please send us a secure message requesting the closure of your currently active Pay Ring. Our policy allows only one active Pay Ring per account, so this step is required before a new one can be issued.

If you need to replace your Pay Ring due to it being damaged—you can easily submit a new order by following these steps:

1. Go to https://www.quontic.com/pay-ring-order/
2. Personal information associated with your Quontic Bank account

Important:
To avoid delays, please send us a secure message requesting the closure of your currently active Pay Ring. Our policy allows only one active Pay Ring per account, so this step is required before a new one can be issued.

There is no fee for standard delivery (10–14 business days). However, expedited delivery is subject to a fee. Refer to our Schedule of Fees for additional details.

No, the Pay Ring cannot be used to make withdrawals at an ATM.

To access funds from your checking account, please use your Debit Card.

Yes, you can use your Pay Ring internationally.

Note: Foreign currency conversion fees may apply depending on the location.

No, the Quontic Pay Ring cannot be used to withdraw cash at ATMs. It is designed exclusively for contactless point-of-sale purchases. For ATM withdrawals, please use your Quontic Bank debit card.

You can view your card activity anytime through Online or Mobile Banking.

Your transaction history includes purchases, deposits, and withdrawals.

No. Each account holder may have only one active Pay Ring per eligible account.

No, Pay Ring limits are standardized and cannot be adjusted.

If you need to make a purchase that exceeds your Pay Ring limit, we recommend using your Debit Card instead.

Debit Card limits may be eligible for a temporary increase with proper documentation.

We offer sizes ranging from 4.5 to 16, including half sizes.

Currently, the Pay Ring is available in black only.

Yes, the Quontic Pay Ring is designed to be durable and water-resistant, making it safe for everyday wear.

However, we recommend removing it during activities that may expose it to extreme conditions or impact.

Everyone likes good news right? Your Ring NEVER needs to be charged. EVER! You can wear your Ring all day and all night, so it’s always to hand to make those important payments even when other devices have run out of battery.

Yes! The ring is water-resistant up to 50 meters, meaning it is designed to withstand everyday water exposure.

Yes. You can use your Ring and your Debit Card with the same account.

During the ring ordering process, you will be asked if you’d like to order a free ring sizing kit. We highly recommend that you choose to order a sizing kit before submitting your ring size. Ring sizes and ring sizers can vary across the industry. Sizing kits are free of charge and help to ensure you get the perfect fit

Once you receive your sizing kit in the mail, check your inbox for an email you received when you submitted your request for a ring sizer from [email protected]. It contains a unique link to activate complete your ring order.

Once you receive your ring, check the email you used when placing your order for a message from [email protected].  

This email contains a unique activation link.

You will also need the activation code located on the plastic wrapper of your ring box. If you experience any issues during activation, please contact our Customer Care team for assistance.

You can locate your Activation Code on the sticker attached to the plastic wrapper of your ring box. If you experience any issues during activation, please contact our Customer Care team for assistance.

It’s important to use the correct hand gesture when using your Ring at a compatible contactless terminal.

For the terminal to detect your Ring reliably, it is best to use a ‘knocking’ gesture with your hand. Simply approach the terminal as if you were going to knock on it and hold your fist in position until you see the confirmation of payment or hear the confirmation beep.

Here’s a quick visual guide on the correct hand gesture to use when making payments with your Ring.

You can use your ring anywhere that accepts Mastercard® contactless payments. Simply look for the contactless symbol at the payment terminal.

Note that in some cases, a terminal may not accept contactless payments—similar to instances where a contactless card may not be read and requires a chip insert instead.

Please refresh your ordering page and re-enter your information. Make sure that all details you provide match those associated with your account, including your Social Security Number, first name, last name, date of birth, phone number, and email address. If you still experience issues, please do not hesitate to contact us.

Be sure that the terminal accepts contactless payments. Sometimes, you may need to try to tap the ring a few times before the terminal gets a good read. There may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead. We always recommend you bring a second method of payment, like your Quontic Bank Debit Card, in case there is a terminal read error.

Yes, transactions using the Pay Ring do count towards the interest or rewards you earn just like debit card transactions.

Your Personal Identification Number (PIN) is a security code associated with your Debit card, ATM card, or Pay Ring. It is used to verify your identity when making withdrawals or certain point-of-sale transactions.

Keeping your PIN secure is essential, as it helps protect your account from unauthorized access and potential fraud.

To set or change your PIN:

• Call our Card Services automated support line at 855-485-7039.
• Make sure to call from the phone number linked to your account.
• Follow the voice prompts to complete your PIN setup or change.

If you enter the wrong PIN multiple times, your card may become temporarily blocked for security purposes.

To restore access, contact our Customer Care team for assistance.

If you forget your PIN, call our Card Services automated support line at 855-485-7039 from the phone number linked to your account. Follow the voice prompts to securely reset your PIN.

A digital wallet is a secure app or feature on your smartphone, smartwatch, or other device that stores your Quontic Debit Mastercard electronically. It allows you to make purchases without using your physical card—just tap your device at a compatible terminal.

Popular digital wallets include:

• Apple Pay
• Google Pay
• Samsung Pay

Digital wallets use advanced security features like tokenization, encryption, and biometric authentication (e.g., fingerprint or facial recognition) to help protect your card information.

Yes. Your Quontic Debit Mastercard is compatible with Apple Pay, Google Pay, and Samsung Pay.

To add your card:

• Open your device’s wallet app.
• Follow the on-screen instructions to add your card.
• This setup is done directly through your device and does not require action from Quontic Bank.

No, digital wallets are not supported for ATM withdrawals.

To access cash, please use your physical Debit or ATM card at any ATM location within Quontic network.

If you’re having trouble adding your card:

• Make sure your device and wallet app are updated.
• Confirm your card is active and not expired.

If issues persist, contact our Customer Care team for further assistance.

Yes. Open your wallet app (Apple Wallet, Google Pay, or Samsung Pay), select your card, and follow the instructions to remove it.

If your card is lost or stolen, please call 1-800-500-1044 immediately. This line is available 24/7 to help secure your account and prevent unauthorized transactions.

Alternatively, you can contact our Customer Care team at 1-800-908-6600 during business hours to request a card lock.

Please note: Card controls are not currently available through our online banking platform.

Your security is our top priority. Here’s how we help keep your card and account safe:

1. 24/7 Fraud Monitoring
   We keep an eye on your account around the clock to detect any unusual or suspicious activity.
2. Automatic Alerts
   If we spot something that doesn’t look right, we’ll send you an alert via SMS and/or the email linked to your account.

You don’t need to sign up—just review the alert and let us know if the transaction was yours.

At this time, Quontic does not offer customizable card controls such as spending limits or merchant restrictions.

We recommend monitoring your account regularly and contacting us if you notice any unauthorized activity.

No, you do not need to notify Quontic before traveling.

Your Debit and ATM Card will continue to work as expected, and our fraud monitoring systems are designed to recognize travel-related activity.

To help protect your account while traveling, we recommend the following:

• Monitor your account regularly using Online Banking or Mobile App.
• Report any suspicious or unauthorized activity immediately by contacting our Customer Care team.

If your card is declined:

First, check for sufficient funds and verify the merchant accepts your card network.

If the issue persists, call 1-800-908-6600 for support.

Yes, your  Debit Card can be used internationally wherever Mastercard is accepted.

We recommend checking with merchants or ATMs in your destination country to confirm compatibility.

Yes, your  ATM Card can be used internationally wherever Mastercard is accepted.

We recommend checking with ATMs in your destination country to confirm compatibility.

Yes, foreign conversion fees and ATM fees may apply when using your card outside the U.S.

For full details on currency conversion and ATM fees, please refer to our Quontic Bank Disclosure Required by Federal Law.

You can easily locate surcharge-free ATMs using our ATM Locator, available on our website and mobile app.

You have access to over 90,000 surcharge-free ATMs through our partner network. To find a convenient location near you, use our ATM locator.

You will not incur any fees when using ATMs within our surcharge-free network. To locate a nearby surcharge-free ATM, please use our ATM Locator.

Our 90,000 surcharge-free ATMs are currently limited to cash withdrawals and do not support deposits. To deposit checks, we recommend using the Quontic Mobile App for a convenient and secure experience. For transferring funds into your Quontic account, electronic transfer methods are also available and easy to use.

If you encounter an issue where an ATM fails to dispense cash but your account is charged, please contact our Customer Care team as soon as possible. We will promptly investigate the transaction and guide you through the next steps to resolve the matter.

Yes, you can use your Quontic card at any ATM. However, fees may apply when using ATMs outside our surcharge-free network.

There are no limits on the number of ATM transactions, but fees may apply if you use non-network ATMs frequently.

Yes, ATM withdrawals typically reflect in your account balance immediately. In rare cases, there may be a short delay depending on the ATM network.

Yes, a standard fee of $2.75 applies when using a non-Quontic ATM outside the United States. Please note that additional fees may be charged by the ATM operator or network.

Yes, ATM transactions are encrypted and secure. We also recommend shielding your PIN and being aware of your surroundings when using any ATM.

Many ATMs allow you to check your balance or print a mini statement. Availability may vary depending on the ATM network and location.

If an ATM retains your card, please contact our Customer Care team immediately. We’ll help you secure your account and issue a replacement card if needed.

Online Banking and Mobile Banking provide secure, 24/7 access to your Quontic Bank accounts—including checking, savings, and CDs— with a computer or with our Mobile App. Both options allow you to view balances, review transactions, transfer funds, pay bills, and set security alerts.

Online Banking and Mobile Banking both provide access to your accounts, but they are used on different devices.

• Online Banking: Access your account through a web browser on a computer or mobile device
• Mobile Banking: Access your account through the Quontic Mobile App on a smartphone or mobile device

Most features are available on both platforms, but some—like Mobile Deposit and Zelle®—are exclusive to the Mobile App.

You can enroll in Online Banking in just a few steps:

• Go to the Online Banking login page
• Select “Register to create a username/password”
• Review and accept the Terms and Conditions
• Complete the required fields to finish your enrollment

You can enroll directly from the Mobile App sign-in screen:

• Tap “Register to create a username/password”
• Review and accept the Terms and Conditions
• Complete the required fields to finish your enrollment

No, you can use the same username and password for both!

Username Requirement:

• Not case sensitive
• Must be 8-30 characters
• Must be alpha-numeric only, no symbols

Password Requirements:

• Case Sensitive
• The password must be different from the previous 10 passwords
• At least 8 characters
• Must include: one upper-case letter, one lowercase letter, one number and one special character (ex. @#$&)

No, enrollment is free.

You’ll need your Social Security Number, birth date, email address, and zip code.

No, you must have an active account with us to enroll.

No, you must be within the U.S. to access our website and Mobile App.

To ensure the best experience, we recommend using supported devices and software when accessing Online Banking or the Mobile App.

Mobile Devices:

• A device running Android or iOS (current version or the last two major software updates)
• An active internet connection

Computers:

• A computer running one of the last two major versions of:
  • Windows
  • macOS
• An internet connection
• An up-to-date web browser (latest two versions recommended), such as:
  • Google Chrome
  • Firefox
  • Microsoft Edge
  • Safari

Note:
Devices or systems that do not meet these requirements may experience limited functionality when using our Online Banking or the Mobile App.

Yes, we use encryption, multi-factor authentication, and other security measures to protect your information.

Yes, you can update them anytime in your profile settings.

Yes, download our official Quontic Mobile app from the App Store or Google Play.

Enrollment usually takes just a few minutes if you have all required information.

If you notice a transaction that appears unfamiliar or incorrect:

• Double-check the details: Some merchants may appear under a different name on your statement
• Still unsure? Reach out to us immediately. We’ll review the transaction and guide you through the next steps
  • Online: Go to Tools > Secure Forms and complete the Debit or ATM Card Transaction Dispute Form
  • By phone during operating hours

Only the account holder whose name is on the Debit or ATM card can start a dispute.

Tip: If you notice a transaction you don’t recognize, contact us right away through the Message Center or by calling 1-800-908-6600.

Pending charges may change before final posting. For assistance and next steps, contact Customer Care.

If you believe a transaction is fraudulent, please notify us immediately to minimize further activity. The sooner you report, the better we can protect your account and minimize your liability.

Dispute resolution timeframes may vary depending on the transaction and investigation details.

We’ll provide updates and notify you of the outcome through the Message Center.

The investigation will begin the day you notify us of the issue.

If you report the dispute after business hours, on weekends, or on holidays, the investigation will start on the next business day.

We’ll keep you informed through the Message Center as the process moves forward.

Once you submit a dispute, here’s what you can expect:

• Confirmation: We’ll notify you that your dispute has been received
• Investigation: We’ll review the wire details and begin our investigation
• Ongoing updates: We’ll communicate with you through your secure Message Center and may request additional information if needed
• Resolution: Once the investigation is complete, you’ll be notified of the outcome in your Message Center

Tip: Check your Message Center regularly and respond promptly to any requests to help avoid delays in processing your dispute.

WWe will review your dispute and provide all updates through your online banking.

Tip: Check your online banking regularly and respond promptly to any requests for information—this helps us continue working on your dispute without interruption.

Dispute cancellations are reviewed on a case-by-case basis. Reach out to our Customer Care and we will provide next steps.

To help protect your account and reduce the risk of unauthorized activity, we recommend the following:

• Enable transaction alerts: Turn on notifications for debit and ATM card activity in your account settings.
• Protect your PIN: Never share your PIN and avoid writing it down.
• Monitor your account regularly: Review your statements and recent transactions to catch any issues early.
• Use secure ATMs and devices: Choose well-lit, bank-owned ATMs and avoid using public Wi-Fi when accessing your account.
• Strengthen your security settings: Use a strong, unique password and enable multi-factor authentication where available.

Disclaimer: While these steps can help reduce the risk of fraud, no method is guaranteed. We recommend staying vigilant and reporting any suspicious activity immediately.

For assistance with an unauthorized ACH transaction, contact Customer Care for further instructions.

Pending charges may change before final posting. For assistance and next steps, contact Customer Care.

If you believe a transaction is fraudulent, please notify us immediately to minimize further activity. The sooner you report, the better we can protect your account and minimize your liability.

Dispute resolution timeframes may vary depending on the transaction and investigation details.

We’ll provide updates and notify you of the outcome through the Message Center.

Your dispute investigation will begin the day you notify us of the issue.

• If your report is received after business hours, on weekends, or on holidays, the investigation will begin on the next business day.

We will keep you informed as your case progresses:

Updates will be provided through the Message Center

Once you submit a dispute, here’s what to expect:

• Confirmation: We’ll notify you once your dispute has been received
• Investigation Begins: We will review the transaction details and begin the investigation
• Communication: We’ll provide updates through the Message Center and may request additional information if needed
• Resolution: Once the investigation is complete, we’ll notify you of the outcome through the Message Center

Tip: Please check your Message Center regularly and respond promptly to any requests. This helps us continue working on your dispute without interruption.

We’ll review your dispute and keep you informed every step of the way through the Message CenWe will review your dispute and provide all updates through your online banking.

Tip: Check your online banking regularly and respond promptly to any requests for information—this helps us continue working on your dispute without interruption.

Dispute cancellations are reviewed on a case-by-case basis. Reach out to our Customer Care and we will provide next steps.

An unauthorized ACH transaction is an electronic debit from your account that you did not authorize.

Before reporting the transaction, consider the following:

• Did you previously authorize this debit?
• Is it part of a recurring payment that may not have been canceled?
• Does the company name appear differently on your statement?

If none of these apply, contact our Customer Care team immediately.

You can take the following steps to help reduce the risk of unauthorized ACH debits:

• Enable alerts: Turn on notifications for ACH activity in your account settings
• Monitor your account regularly: Review your transactions and statements frequently
• Verify recurring payments: Keep track of subscriptions and automatic debits
• Secure your banking credentials: Use strong passwords and multi-factor authentication
• Be cautious when sharing account details: Only provide your routing and account number to trusted parties

Disclaimer: These steps may help reduce the risk of unauthorized ACH debits; however, they do not eliminate all risk. It is important to remain vigilant and report any suspicious activity promptly.

If you notice a transaction that appears unfamiliar or incorrect:

• Double-check the details: Zelle® transactions may display the recipient’s full name instead of a nickname.
• Still unsure? Reach out to us immediately. We’ll review the transaction and guide you through the next steps

To help protect your account and reduce the risk of unauthorized Zelle® activity, we recommend the following:

• Enable Zelle® alerts
  Turn on real-time notifications so you are immediately informed of any Zelle® activity.
• Monitor your activity regularly
  Review your recent Zelle® transactions frequently to quickly identify anything unusual.
• Verify recipient details carefully
  Always confirm the recipient’s email address or mobile number before sending money. Zelle® transfers are typically processed within minutes and are difficult to reverse.
• Use strong security measures
  Protect your account with a strong, unique password and enable multi-factor authentication whenever available.
• Never share your credentials or verification codes
  Do not provide your login information or one-time passcodes to anyone. Zelle® and your bank will never ask for this information.
• Only send money to people you trust
  Zelle® is intended for transactions between friends, family, or known and trusted individuals—not for purchases from unfamiliar parties.

Disclaimer: While these steps can help reduce the risk of unauthorized Zelle® transactions, no method is guaranteed to prevent fraud. Please remain vigilant and report any suspicious activity promptly to your bank.

If you notice a transaction that appears unfamiliar or incorrect:

• Double-check the details: Some merchants may appear under a different name on your statement
• Still unsure? Reach out to us immediately. We’ll review the transaction and guide you through the next steps

If you believe a wire transfer is fraudulent, notify us immediately. The sooner you report it, the better we can attempt to assist and minimize potential loss. 

To help protect your account and reduce the risk of unauthorized wire activity, we recommend the following:

• Enable wire alerts: Turn on real-time notifications for wire activity.
• Monitor your account regularly: Review your transactions frequently to spot anything unusual.
• Verify recipient details: Double-check account and routing numbers before submitting a wire transfer.
• Use strong security measures: Protect your account with a strong password and multi-factor authentication.
• Avoid sharing sensitive information: Never share your login credentials or verification codes.
• Send only to trusted recipients: Wire transfers should only be sent to individuals or businesses you know and trust.

Disclaimer: While these steps can help reduce the risk of unauthorized wire transfers, no method is guaranteed. If you notice any suspicious activity, please contact us immediately.

If you notice a transaction that appears unfamiliar or incorrect:

• Double-check the details: Verify the check number, amount, and payee name.
• Still unsure? Reach out to us immediately. We’ll review the transaction and guide you through the next steps

Any account holder listed on the account can initiate a Check Payment dispute.

Tip: Make sure you have the transaction details ready when you contact us—we’ll guide you through the next steps.

TDispute resolution timeframes may vary depending on the transaction and investigation details.

We’ll provide updates and notify you of the outcome through the Message Center.

The investigation will begin the day you notify us of the issue.

If you report the dispute after business hours, on weekends, or on holidays, the investigation will start on the next business day.

We’ll keep you informed through the Message Center as the process moves forward.

Once you submit a dispute, here’s what you can expect:

• Confirmation: We’ll notify you that your dispute has been received
• Investigation: We’ll review the wire details and begin our investigation
• Ongoing updates: We’ll communicate with you through your secure Message Center and may request additional information if needed
• Resolution: Once the investigation is complete, you’ll be notified of the outcome in your Message Center

Tip: Check your Message Center regularly and respond promptly to any requests to help avoid delays in processing your dispute.

We will review your dispute and provide all updates through your online banking.

Tip: Check your online banking regularly and respond promptly to any requests for information—this helps us continue working on your dispute without interruption.

Dispute cancellations are reviewed on a case-by-case basis. Reach out to our Customer Care and we will provide next steps.

To help protect your account and reduce the risk of unauthorized check activity, we recommend the following:

• Store your checkbook securely: Keep your checkbook in a safe place to prevent theft or misuse.
• Avoid signing blank checks: Only sign checks when you’re ready to issue them.
• Destroy old or unused checks: Shred checks you no longer need to help prevent fraud.
• Verify payee details carefully: Double-check the payee name and amount before issuing a check.
• Enable account alerts: Turn on real-time notifications for check activity in your account settings.
• Monitor your account regularly: Review your transactions frequently to spot anything unusual.
• Strengthen your account security: Use strong passwords and enable multi-factor authentication where available.
• Protect your information: Never share your login credentials or verification codes.
• Consider a Stop Payment: If you believe a check may be misused, request a Stop Payment before it clears.

Disclaimer: While these precautions can help reduce the risk of unauthorized check payments, no method is guaranteed. Stay vigilant and report any suspicious activity immediately.

If you notice a transaction that appears unfamiliar or incorrect:

• Double-check the details: Some merchants and payees may appear under a different name than expected.
• Still unsure? Reach out to us immediately. We’ll review the transaction and guide you through the next steps

If you believe a bill payment was unauthorized or incorrect, please notify us as soon as possible. The sooner you report it, the better we can review the transaction and attempt to assist.

We will evaluate your claim based on the details provided and guide you through the next steps.

Disclaimer: Timely reporting is important, as delays may limit our ability to investigate or recover funds.

ThDispute resolution timeframes may vary depending on the transaction and investigation details.

We’ll provide updates and notify you of the outcome through the Message Center.

The investigation begins the day you notify us.

If you report after business hours, on weekends, or holidays, the investigation will start the next business day.

We’ll keep you informed through the Message Center.

OOnce you submit a dispute, here’s what you can expect:

• Confirmation: We’ll notify you that your dispute has been received
• Investigation: We’ll review the wire details and begin our investigation
• Ongoing updates: We’ll communicate with you through your secure Message Center and may request additional information if needed
• Resolution: Once the investigation is complete, you’ll be notified of the outcome in your Message Center

Tip: Check your Message Center regularly and respond promptly to any requests to help avoid delays in processing your dispute.

We will review your dispute and provide all updates through your online banking.

Tip: Check your online banking regularly and respond promptly to any requests for information—this helps us continue working on your dispute without interruption.

Dispute cancellations are reviewed on a case-by-case basis. Reach out to our Customer Care and we will provide next steps.

To help protect your account and reduce the risk of unauthorized Bill Pay activity, we recommend the following:

• Enable Bill Pay alerts: Turn on real-time notifications for Bill Pay activity.
• Monitor your account regularly: Review your transactions frequently to spot anything unusual.
• Verify payee details: Double-check the payee name and account information before scheduling a payment.
• Use strong security measures: Protect your account with a strong password and enable multi-factor authentication where available.
• Avoid sharing sensitive information: Never share your login credentials or verification codes.
• Send only to trusted payees: Use Bill Pay for known and verified companies or individuals.

Disclaimer: While these steps can help reduce the risk of unauthorized Bill Pay transactions, no method is guaranteed. Stay vigilant and report any suspicious activity immediately.

Ensure all information matches your original account application. If issues persist, contact us via Chat, or call our Customer Care team.

If you’re unable to log in, you can quickly reset your password using the “Forgot Password” option.

Online Banking or Mobile App:

• Select “Forgot Password”
• Enter your username, Social Security Number, and ZIP Code
• Complete the one-time verification code sent to your email or phone on file
• Create a new password that meets the security requirements
• Save your new password

Once completed, you can log in immediately using your new password.

If you’re unable to log in, you can retrieve your username directly from the login screen.

Online Banking or Mobile App:

• Select “Forgot Username”
• Enter your account number, Social Security Number, date of birth, and email address
• Complete the one-time verification code sent to your email or phone on file

Once completed, your username will be displayed on the screen.

If you don’t have your account number, you can retrieve it by accessing your account details:

• Access your Application Portal, click here
• Enter your email address, verification code, and Social Security Number
• Click Accounts → Setup

You will be directed to the account details screen, where your account number will be available.

The Message Center and Secure Forms are the safest and most efficient ways to communicate with the Customer Care Department at Quontic Bank.

Message Center: A secure messaging platform within Online Banking and the Mobile App for sending and receiving messages with our team.

Secure Forms: Digital forms for completing common requests.

You can:

• Send secure messages to Quontic Bank
• Ask questions about your account
• Upload documents safely
• Track your communication history

Secure Forms allow you to complete important requests, such as:

• Close an account
• Add or update beneficiaries
• Submit disputes
• Request account changes

Secure Forms are encrypted and integrated into your Online Banking environment, ensuring your personal and financial information stays protected. Regular email is not secure for sensitive data.

Yes! All messages are encrypted and stored within your Online Banking portal, making it safer than email or phone for sharing sensitive information.

Yes, you can upload documents directly in the Message Center for requests like disputes or account updates.

Our team typically responds within 1 – 2 business day. For urgent matters, you can also use the Chat feature or call us.

No, these services are free for all Quontic customers.

When uploading documents through the Message Center or Secure Forms, please ensure they meet these requirements:

✅ Accepted File Types:

• JPEG (.jpg)
• PDF (.pdf)
• DOC or DOCX (.doc, .docx) (for text-based forms or letters)

✅ Document Quality Requirements:

• Must be clear and legible (no blurry or cropped images)
• Must be a color copy for IDs and official documents
• All information must be visible and unobstructed
• File size should not exceed 15 MB per upload
• File quantity should not exceed 10 per message

✅ Examples of Common Documents:

• Government-issued photo ID (Driver’s License, Passport, State ID)
• Proof of Address (Utility bill, Lease agreement, Bank statement)
• Transaction Dispute Evidence (Receipts, Statements)

Savings Goals help you plan and track your progress toward specific financial objectives—like a vacation, emergency fund, or big purchase. By setting a goal, you can monitor your deposits and see how close you are to reaching your target.

Important: Only Savings Accounts are eligible for creating Savings Goals. Checking, money market, dnd CD accounts are not supported.

You can easily access Savings Goals to view and manage your financial goals through Online Banking or the Mobile App.

Online Banking (Desktop):

• Navigate to Financial Planning → Savings Goals

Mobile App:

• Tap More → Financial Planning
• Select Savings Goals

You can easily create a Savings Goal to track and stay on top of your financial progress.

• Navigate to Savings Goals
• Select “Create New Goal”
• Enter your goal details, including:
  • Goal name (e.g., Vacation, Emergency Fund)
  • Target amount
  • Target date

Save your goal to begin tracking your progress

Yes! The Spending Tab shows your spending patterns, helping you identify areas where you can save more to reach your goals faster.

Yes, you can manage your Savings Goals at any time.

• Edit: Update the goal name, target amount, or target date
• Delete: Remove a goal if it is no longer needed

Yes! You can create multiple goals for different purposes, as long as they are linked to an eligible account.

No. Savings Goals are tracking tools only. You’ll need to make deposits manually or set up recurring transfers to fund your goal.

No, Savings Goals are a free feature for all Quontic customers.

Yes, each Savings Goal provides a clear view of your progress.

You can track:

• Current balance
• Percentage completed
• Remaining amount to reach your goal

You can watch a step-by-step demonstration using the Mobile App  https://www.quontic.com/help/savings-goal/

Credit Score Monitoring is a free feature that allows you to view and track your credit score directly within Quontic Online Banking or the Mobile App. Monitoring your score regularly helps you stay informed about your financial health and detect changes early.

Quontic partners with SavvyMoney to deliver credit score monitoring services. SavvyMoney securely retrieves your credit score information from a major credit bureau and provides insights directly within Online Banking and the Mobile App.

You can easily enroll in Credit Score Monitoring through Online Banking or the Mobile App.

• Select “Show My Score”
• Review and accept the disclosure for a soft credit pull
• Select Continue
• Follow the prompts until you reach the final screen
• Select Done

Once completed, your credit score will be available on your dashboard.

No. Enrolling in Credit Score Monitoring uses a soft credit inquiry, which does not impact your credit score.

Your score is typically updated monthly, so you can track changes over time.

Yes! This feature is completely free for all Quontic customers.

Once enrolled in Credit Score Monitoring, you can view your credit score in the following places:

• Online Banking Dashboard – Your score may appear directly on the dashboard or through a “Show My Score” option.
• Mobile App Dashboard – Your score is visible on the main screen after enrollment is complete.
• Financial Planning / Financial Tools Section – Navigate to Credit Score Monitoring to view your full credit report and details.

Quontic uses data from a major credit bureau, TransUnion, to provide your score. The bureau used will be displayed when you view your score.

Yes, Credit Score Monitoring provides you with a full credit report.

No, disputes must be handled directly with the credit bureau. However, monitoring your score can help you spot potential inaccuracies early.

No, Quontic does not store your credit report. Your score is securely retrieved from the credit bureau each time it’s updated.

No, enrollment is completely optional. Credit Score Monitoring is a free feature offered to all Quontic customers, but you can choose whether or not to activate it. If you prefer not to enroll, your credit score will not be displayed in Online Banking or the Mobile App.

Yes, you can opt out at any time by navigating to the Credit Score Monitoring section in Online Banking or the Mobile App.

You can deactivate Credit Score Monitoring anytime through Online Banking or the Mobile App.

Online Banking (Desktop):

• Navigate to Financial Planning
• Select Credit Score Monitoring
• Click Resources
• Select View Now under Profile Settings
• Click Deactivate Credit Score Account

Mobile App:

• Tap More → Financial Planning
• Select Credit Score Monitoring
• Tap Resources
• Select View Now under Profile Settings
• Tap Deactivate Credit Score Account

Your credit score may vary depending on several factors, including:

• The credit bureau used 
• The scoring model used 
• The date of the score update

Different providers may use different data sources and calculation methods, which can result in slight variations in your score.

Yes, you’ll receive Credit Alerts of important changes and activity on your credit score and report. Be sure to check in often so you can stay on top of your credit via your Online or Mobile Banking via the credit monitoring feature.

No, this feature only monitors your credit score and report. For identity theft protection, you may need a separate service.

Access to Credit Score Monitoring will end when your account is closed.

Yes, each account holder can enroll individually using their own Online Banking or Mobile App login.

Yes, SavvyMoney provides personalized insights and recommendations to help you improve your credit health.

Yes, you’ll see details like credit utilization, payment history, and other factors impacting your score.

You can watch a step-by-step demonstration using the Mobile App

👉 Watch Credit Score Monitoring Demo

Shared Access is a feature located under the Settings menu that allows you to grant someone permission to perform certain banking activities on your behalf. This is useful if you want a trusted person to help manage your account without giving them full ownership.

No. Shared Access is not the same as adding a joint owner.

A joint owner has full ownership rights, can order checks, and receive a debit card in their name. Someone with Shared Access cannot have ownership of the account, order checks, or receive a debit card.

Yes! When you give someone shared access to your accounts, you can choose from the permissions whether you want them to just be able to see your balances, or view transactions, or complete transfers on your behalf. 

Yes! You have full control over permissions. You can choose whether the person can:

1. View balances only
2. View transactions
3. Initiate transfers on your behalf

Yes, you can remove Shared Access instantly through the Settings menu in Online Banking.

No. They will create a separate, secure login to access your account with the permissions you grant.

Absolutely. Shared Access uses secure authentication and encryption to protect your account information.

No. Shared Access only allows the permissions you grant (viewing account, viewing transactions, or making transfers). They cannot open new accounts.

No. They cannot change your username, password, contact details, or security settings.

Yes. All activity performed by someone with Shared Access is logged and visible in your transaction history.

No. Only the primary account holder can grant or revoke Shared Access.

YWhen using Shared Access, it’s important to take steps to protect your account.

We recommend the following best practices:

• Only grant access to someone you trust
• Do not share access with anyone you do not know personally
• Review permissions carefully before granting access
• Monitor your account activity regularly
• Revoke access immediately if you notice or suspect any misuse

Note:
These are recommended security measures to help protect your account. If you notice any suspicious activity, contact the Customer Care team immediately.

Multi-Factor Authentication adds an extra layer of security to your account by requiring a second form of verification (such as a code sent to your phone or email) in addition to your password.

Enabling MFA helps protect your account from unauthorized access. It’s one of the most effective ways to secure your online banking.

You can require two-factor authentication for every login through Online Banking settings.

Online Banking (Desktop):

• Navigate to Settings → Account Preferences → Security
• Toggle Require Two-Factor Authentication for Each Login to ON

Mobile App:

• Tap More → Settings → Account Preferences → Security
• Toggle Require Two-Factor Authentication for Each Login to ON

Note: This setting ensures a verification code is required at every login—even on remembered devices.

Verification codes can be delivered using the following methods:

• Phone Call (Voice Call)
• SMS Text Message
• Email

You can manage your preferred delivery method within your security settings in Online Banking.

Yes, you can turn off MFA at any time by following the same steps and toggling the setting to OFF. However, we strongly recommend keeping MFA enabled for your security.

If you enable the setting Require Two-Factor Authentication for Each Login, you’ll need to verify every time you log in. If not enabled, MFA may only be required for certain high-risk actions.

If you lose access to your phone or email, contact Quontic Customer Care immediately to verify your identity and restore access.

To help keep your account secure when using MFA, follow these best practices:

• Never share your verification codes – Quontic will never ask for your MFA code
• Use a strong, unique password in addition to MFA
• Enable MFA for every login for added protection
• Keep your MFA device secure (e.g., your phone or authenticator app)
• Avoid using public or shared devices to access your account
• Keep your contact information up to date so you can receive verification codes
• Monitor your account regularly and report any suspicious activity immediately

Disclaimer: These are recommended best practices for your security. If you notice any suspicious activity on your account, please contact Customer Care immediately.

Biometrics are security features that use your unique physical characteristics to verify your identity.

In Online and Mobile Banking, common biometric methods include:

• Face ID (facial recognition)
• Fingerprint identification

These features allow you to securely log in to the mobile app without entering your username and password.

ToYou can enable biometric login on the Mobile App by following these steps:

Mobile App:

• Tap More → Settings → Biometrics
• Toggle the feature to ON
• Restart the app to apply the changes

Yes. Biometric authentication is highly secure because it uses unique physical characteristics that are difficult to replicate.

Additionally:

• Your biometric data is stored securely on your device, not on Quontic’s servers
• Quontic does not have access to your fingerprint or facial data

This ensures your sensitive information remains protected while providing a convenient and secure login experience.

No. Your biometric information is stored locally on your device and managed by your device’s operating system (e.g., iOS or Android). Quontic only receives confirmation that authentication was successful.

Yes. You can turn off biometric login at any time through the Mobile App.

Mobile App:

• Tap More → Settings → Biometrics
• Toggle the feature to OFF

If biometric authentication does not work, you can:

• Log in using your username and password as a backup method
• Check your device settings to ensure biometrics (Face ID or fingerprint) are enabled and functioning properly

Yes. Biometrics provides a convenient way to log in, but your password or additional authentication may still be required for certain actions.

For example:

• Changing account settings
• Performing high-risk transactions

This helps ensure an added layer of security for sensitive activities.

Biometric login is supported on most modern smartphones and tablets that include:

• Fingerprint sensors
• Face recognition technology

Compatibility may vary depending on your device and operating system.

WWhen using biometrics to log in, follow these best practices:

• Only enable biometrics on trusted devices (e.g., your personal smartphone or tablet)
• Secure your device with a strong passcode or PIN
• Do not share your device or biometric credentials with anyone
• Enable device-level security features, such as screen lock and encryption
• Keep your device updated with the latest operating system and security patches
• Disable biometrics immediately if your device is lost or stolen
• Monitor your account activity regularly for any unusual transactions

Disclaimer: These are recommended best practices to help protect your account. If you notice any suspicious activity or believe your account may be compromised, contact the Customer Care team immediately.

Yes. You can view a step‑by‑step demonstration using the Quontic Mobile App here:

👉 Watch Biometric Authentication Demo

This feature allows you to securely link your Quontic debit card to your favorite retailers for faster, easier purchases—without needing to have your physical card in hand.

You can sync your card with retailers through Online Banking or the Mobile App.

Online Banking (Desktop):

• Navigate to Tools → Sync Card with Retailers
• Follow the prompts to complete the process

Mobile App:

• Tap More → Tools → Sync Card with Retailers
• Follow the prompts to complete the process

Yes. The process uses encrypted connections to protect your information. Quontic does not store your merchant login credentials.

Yes, you must complete the syncing process for each retailer you want to connect with.

Yes. You can manage or remove synced retailers anytime through the Sync Card with Retailers section in Online Banking or the Mobile App.

Your card details are securely transmitted to the retailer for syncing purposes. Quontic does not share any additional account information.

If your card number changes (e.g., due to replacement), you will need to re-sync your card with each retailer.

When using the Sync Your Card with Retailers feature, follow these guidelines to keep your accoWhen using the Sync Card with Retailers feature, follow these best practices to help protect your account:

• Only sync your card with trusted retailers you shop with regularly
• Do not share your merchant login credentials with anyone, including Quontic representatives
• Verify the retailer’s official website or app before entering your information
• Avoid using public or shared devices when syncing your card
• Monitor your account activity regularly for any unusual transactions
• Update your merchant passwords periodically for added security
• Remove retailers you no longer use to reduce risk exposure
• Enable Multi-Factor Authentication (MFA) on your merchant accounts, if available

Disclaimer: These are recommended best practices to help protect your account and personal information. If you notice any suspicious activity or believe your account may be compromised, contact the Customer Care team immediately.

Yes. You can view a step‑by‑step demonstration using the Quontic Mobile App here:

👉 Watch Sync Card with Retailers Demo

Unifimoney is a third-party digital wealth management platform that customers can access through Quontic’s online and mobile banking. It provides tools for investing and financial management.

Disclaimer:
Quontic Bank does not provide investment advice, manage portfolios, or guarantee investment performance. All investment-related inquiries should be directed to Unifimoney.

Yes. You must submit an application to open a Unifimoney account. Applications are processed and reviewed by Unifimoney, not Quontic.

You can apply through Online Banking or the Mobile App:

Online Banking (Desktop):

• Navigate to Financial Planning → Unifimoney
• You will be redirected to the Unifimoney website
• Follow the prompts to complete your application

Mobile App:

• Tap More → Financial Planning → Unifimoney
• You will be redirected to the Unifimoney website
• Follow the prompts to complete your application

Approval is subject to Unifimoney review process.

Unifimoney is available to customers who have maintained a Quontic relationship for more than 30 days and hold an eligible Quontic checking, money market, or savings account.

Possession of a Quontic account does not guarantee approval—Unifimoney reviews all applications.

Log in to Quontic’s Online Banking Portal or Mobile app. Unifimoney is accessible only within Quontic’s digital banking environment.

No. You can enroll in Unifimoney with only one financial institution. If you currently use Unifimoney through another institution and want to switch to Quontic, contact Unifimoney directly.

No. Unifimoney accounts are individual accounts tied to your Social Security Number (SSN). Each Quontic account owner must submit their own application.

To add beneficiaries, contact Unifimoney Customer Support via email at [email protected] 

Depending on the investment option you select, Unifimoney creates and manages a portfolio for you.

Quontic does not manage or influence portfolio creation.

Investing must be funded from your Unifimoney cash-holding account, which links to your active Quontic account.

External bank accounts cannot fund investments directly. You may transfer money from external accounts into your Quontic account, and then move funds into Unifimoney.

If you plan to close your Quontic account, transfer any funds from Unifimoney back into your Quontic account first. Once your funds are moved, contact Quontic Customer Care to complete your account closure.

Note: Unifimoney accounts are managed by Unifimoney. Quontic does not close or manage investment accounts.

No. Quontic Customer Care does not provide financial, investment, or legal advice.

For investment strategy, portfolio management, or financial planning questions, please contact Unifimoney Customer Support at [email protected]

For account lockouts, transaction failures, beneficiary/POA requests, or switching institutions, please contact Unifimoney Customer Support at [email protected]

Quontic Customer Care does not collect or store sensitive investment-related data such as portfolio details. We can assist with access and navigation within the Quontic app or online banking.

Fees may apply for certain investment services. All fees are determined and charged by Unifimoney, not Quontic. Review Unifimoney’s additional FAQs on their website.

Yes. Unifimoney provides all necessary tax documents related to your investments. Quontic does not issue tax forms for Unifimoney accounts.

Unifimoney Customer Support is available via email at [email protected]. For current hours and additional contact options, please refer to Unifimoney’s platform.

Quonty is Quontic Bank’s exclusive chatbot assistant, designed to help you quickly find answers to common banking questions. Think of Quonty as your 24/7 digital helper, available anytime you need guidance.

Quonty is available as a chat bubble across Quontic’s digital platforms.

You can access Quonty by selecting “Chat Live” on:

• Quontic Mobile App
• Quontic public website pages
• Online Banking pages

Quonty is available 24/7/365, so there’s no wait time. He can provide accurate answers to common questions instantly, such as:

1. What is my routing number?
2. How do I close an account?
3. How do I add funds to my account?

Not sure what to ask? When you open Quonty, you’ll see a list of popular categories to help you get started.

QQuonty is designed to provide quick answers and guide you through common banking tasks.

Quonty can:

• Answer frequently asked questions about our products, move money options, beneficiaries, and more
• Provide step-by-step guidance for common banking tasks
• Direct you to forms and resources within Online Banking

Important:
Quonty cannot perform transactions (such as sending money or closing accounts), but it will guide you on how to complete them securely.

Quonty uses pre-approved answers created by Quontic Bank. He does not “think” on his own and will always provide consistent, verified answers. This ensures accuracy and compliance with bank policies.

Yes. Quonty operates within Quontic’s secure online banking environment.

He will never ask for sensitive information like your full Social Security Number or password. All interactions are encrypted and protected under Quontic’s security standards.

If Quonty doesn’t have the answer you need, he will guide you to connect with a live representative during business hours.

Yes! Quonty is available on both the web portal and the Quontic Mobile App, so you can get help anytime, anywhere.

Absolutely. Quonty is a free service for all Quontic visitors and customers.

Currently, Quonty provides answers in English only. 

Quonty can guide you through troubleshooting steps for common login or navigation issues. For complex technical problems, Quonty will direct you to Customer Care.

Yes! Visitors can use Quonty to learn about Quontic products and services.

Quonty is accessible across multiple devices through Quontic’s digital platforms.

Mobile Devices:

• A device running Android or iOS (current version or the last two major software updates)
• An active internet connection

Computers:

• A computer running one of the last two major versions of:
  • Windows
  • macOS
• An internet connection
• An up-to-date web browser (latest two versions recommended), such as:
  • Google Chrome
  • Firefox
  • Microsoft Edge
  • Safari

Note:
Devices or systems that do not meet these requirements may experience limited functionality when using Quonty.

Yes. At this time, Quontic Bank’s application process is only available to individuals located within the United States.

We hope to expand our reach in the future—thank you for your interest!

You can quickly access Secure Forms and the Message Center through Online Banking or the Mobile App.

Online Banking (Desktop):

• Navigate to Tools
• Select Message Center or Secure Forms

Mobile App:

• Tap More → Tools
• Select Message Center or Secure Forms

You can locate your account number in three ways:

1. Online Banking (Web Browser)
   • Go to olb.quontic.com and log in.
   • Select your account from the dashboard.
   • Click the eye icon next to the masked number (e.g., *****1234) to reveal your full account number.
2. Mobile App
   • Sign in to the Quontic app.
   • Tap the account you want to view.
   • Tap Show Details, then click the eye icon next to the masked number (e.g., *****1234) to reveal your full account number.
3. Account Setup Portal (for sign-in assistance)
   • Visit https://open.quonticbank.com/login.
   • Enter your email address and Social Security Number.
   • Enter the verification code.
   • Navigate to Accounts > Setup and click Setup next to the account you want to view.
   • Your account number will be displayed.

For your protection, never share your account number, Social Security Number (SSN), or other personal information through unsecured channels, such as unsecure email, text messages, or social media.

Quontic will never ask you to provide sensitive information via unsecured methods. Always use secure, encrypted platforms—like our online banking portal or mobile app—to access or share account details.

If you suspect suspicious activity or receive a request that seems unusual, please contact our Customer Care team immediately.

Quontic’s routing number is 021473030.

This routing number can be used for:

1. ACH transfers
2. Checks
3. Domestic wire transfers

Alerts are notifications that help you stay informed about important activity on your account. They can help you:

1. Monitor your balance
2. Track transactions
3. Stay on top of bill payments
4. Detect suspicious activity quickly

Using alerts is a great way to manage your account proactively and enhance security.

You can easily set up alerts in Online Banking or the Mobile App to stay updated on your account activity.

Online Banking (Desktop):

• Navigate to Settings → Alerts

Mobile App:

• Tap More → Settings → Alerts

From there, you can customize the alerts you’d like to receive.

You can set up alerts to help you stay informed and monitor activity on your account.

Available alert options include:

• Account alerts (general account activity)
• Authentication alerts (login and security notifications)
• Mobile deposit alerts
• Transfer alerts
• Balance alerts

Yes! Alerts can be customized for each account you have with Quontic.

You can choose how you’d like to receive alerts based on your preferences. Available delivery options include:

• Email
• SMS (text message)
• Push notifications through the Mobile App

You can select your preferred delivery method when setting up or updating your alerts.

Most alerts are sent immediately or within minutes of the event occurring, so you can take action quickly if needed.

CSome alerts are pre-selected and cannot be disabled because they are required for your security.

These alerts—referred to as General Security Alerts—notify you of important account activity, such as:

• Changes to your personal information
• Password updates
• Suspicious or unusual login activity

These alerts are designed to help safeguard your account and ensure you are informed of critical security events.

Yes! You can update or remove optional alerts anytime through your online banking or mobile app settings.

You can easily update your alert preferences at any time to better suit your needs.

Online Banking (Desktop):

• Navigate to Settings → Alerts
• Select the alert you want to update
• Make your changes and save

Mobile App:

• Tap More → Settings → Alerts
• Select the alert you want to update
• Make your changes and save

No. Alerts are a free service provided by Quontic.

IIf you are not receiving alerts, here are a few steps you can take to resolve the issue:

• Verify your email address and mobile number in your account settings
• Check your alert preferences to ensure alerts are enabled
• Confirm that notifications are allowed on your device

If the issue continues, you can our Customer Care team.

Yes, alerts can be set up for joint accounts.

Each account owner must configure their own alert preferences through their individual Online Banking profile.

Email alerts work anywhere. SMS alerts may depend on your mobile carrier and international roaming settings. Push notifications through the app work globally as long as you have internet access.

Alerts are sent in real time as events occur and cannot be scheduled for specific delivery times.

If you prefer not to receive alerts during certain hours, you can manage this by adjusting your device notification settings.

Yes, you can add a beneficiary through Online Banking or the Quontic Mobile App. Follow the steps below:

Online Banking (Desktop):
• Select Tools → Secure Forms
• Complete the Beneficiary Request Form

Mobile App:
• Tap More
• Select Tools → Secure Forms
• Complete the Beneficiary Request Form to add your beneficiary

Each Quontic account can have up to five primary beneficiaries.

Yes, you can designate a trust as a beneficiary on your account.

No, Quontic does not allow contingent beneficiaries at this time—only primary beneficiaries can be added.

Yes, you can request to change or remove a beneficiary through Online Banking or the Mobile App. Follow the steps below:

Online Banking (Desktop):
• Select Tools → Message Center
• Send a secure message with your request to change or remove a beneficiary

Mobile App:
• Tap More
• Select Tools → Message Center
• Send a secure message with your request to change or remove a beneficiary

Include the account details and clearly specify the update you’d like to make.

Yes, you can view your listed beneficiaries through your statements or account notifications. Follow the details below:

Checking, Savings, and Money Market Accounts:
• Accounts → Statements → Select the account
• Beneficiaries will be listed on your monthly statement
• Please allow one full statement cycle for any changes to appear

Certificates of Deposit (CDs):
• Notifications are sent via your Message Center
• You will receive a confirmation message when a beneficiary is added or removed

No, account owners cannot be listed as beneficiaries.

We’re very sorry for your loss. If you are listed as a beneficiary, we’re here to help guide you through the next steps.

To begin the process, please mail the following documents to Quontic Bank:

Required Documents:
• Original copy of the death certificate
• Color photo of your valid, government-issued ID
• A cover letter with your contact information and instructions

Mailing Address:
Quontic Bank
31-05 Broadway
Astoria, NY 11106

If you have any questions or need assistance along the way, please don’t hesitate to contact our Customer Care team—we’re here to support you.

No, Quontic does not charge any fees for adding, changing, or removing beneficiaries.

Beneficiaries can be added to most deposit accounts, including checking, savings, money market, and CDs.

No, beneficiaries cannot be designated during the account opening process. You can add beneficiaries after your account is opened by submitting a request through Secure Forms in Online Banking or the Mobile App.

Beneficiary updates typically take up to one full statement cycle to be reflected on your account.

No additional documentation is required for standard beneficiary updates. For special cases (e.g., trust), supporting documents may be requested.

Yes, you can add a joint owner during the application process. Follow the steps below:

• Complete your portion of the application as the primary owner
• Once approved, navigate to the Account Details screen
• Select Add Joint Owner
• Enter the joint owner’s first name and email address

The joint owner will receive an email invitation shortly. If it does not arrive within a few minutes, please check the spam or junk folder.

If your account is already open, follow the steps below:

• Access your Application Portal, click here
• Enter your email address, verification code, and Social Security Number
• Click Accounts → Setup
• On the Account Details screen, select Add Joint Owner
• Enter the joint owner’s first name and email address

The joint owner will receive an email invitation shortly. If it does not arrive within a few minutes, please check the spam or junk folder.

To be added as a joint owner, individuals must meet Quontic’s eligibility requirements. These include:

• Being at least 18 years old
• Having a valid U.S. Social Security Number
• Providing a physical U.S. address
• Having a U.S.-registered phone number

Note that all applications are subject to approval.

Yes — you can add up to four joint owners per account.

Once the joint owner completes their portion of the application, the applicaiton is decisioned right away.

No, Quontic does not charge any fees for adding joint owners.

Joint owners have equal rights and responsibilities on accounts. This includes:

• Full access to account funds
• The ability to make deposits and withdrawals
• Responsibility for all account activity, including transactions made by any owner

Joint accounts at Quontic are WITH rights of survivorship, meaning if one owner passes away, their share automatically transfers to the surviving owner(s).

Ownership automatically transfers to the surviving owner(s). Documentation may be required to update records.

No, joint owners cannot be removed once they have been added to the account.

If you no longer wish to maintain a joint account, you will need to close the existing account and open a new individual account.

Exception:
If a joint owner passes away, the account can be updated accordingly upon receipt of the required documentation.

Yes! Each account owner is eligible for their own card or ring.

• Checking and Money Market accounts: Debit card or payment ring.
• Savings accounts: ATM card only

Note: Each account owner must request their own card or ring—requests cannot be submitted on behalf of another owner.

Yes, each joint owner is required to register for their own Online Banking access.

Each account owner must create and maintain their own username and password to securely access the account.

Yes, joint owners can access statements through their Online Banking login.

A dormant account is an account that has had no customer-initiated activity for a period of time.

Customer-initiated activity includes:

• Logging in to Online Banking or the Mobile App
• Making deposits or withdrawals
• Transferring funds
• Using your debit card

System-generated activity, such as interest accrual, does not count as activity. Dormancy matters because financial institutions are required by law to safeguard inactive accounts. If an account remains inactive for an extended period and the account owner(s) do not reconnect with the bank, the funds may be turned over to the state as unclaimed property.

Keeping your account active is simple and helps avoid fees or additional steps later.

You can prevent dormancy by:

• Logging in regularly to Online Banking or the Mobile App
• Performing at least one transaction, such as:
  • Depositing or withdrawing funds
  • Transferring money between accounts
  • Paying a bill or using your debit card
• Keeping your contact information up to date

Tip: Even if you don’t use your account often, logging in periodically can help keep it active.

Dormancy occurs after the following timeframe of inactivity, depending on the account type:

• Checking accounts: 12 consecutive months
• Savings accounts: 24 consecutive months
• Certificates of Deposit (CDs): 36 consecutive months after the first maturity date

Banks monitor dormancy to protect your funds and comply with state laws. If an account remains inactive for too long, the funds may be considered unclaimed property and must be turned over to the state.

If you’ve received a notice that your account is inactive, prompt action can help restore full access and keep your account active.

You can reactivate your account by:

Online Banking (Desktop):

• Navigate to Tools →  Secure Forms
• Complete the Dormant Account Reactivation Form

Mobile App:

• Tap More → Tools → Secure Forms
• Complete the Dormant Account Reactivation Form

Or, you may contact our Customer Care team.

If your account is currently dormant, it will need to be reactivated before it can be closed.

You can reactivate your account by:

Online Banking (Desktop):

• Navigate to Tools → Secure Forms
• Complete the Dormant Account Reactivation Form

Mobile App:

• Tap More → Tools → Secure Forms
• Complete the Dormant Account Reactivation Form

Or, you may contact our Customer Care team for assistance.

Yes. Dormant accounts are charged a $5 monthly fee starting when the account becomes dormant.

If your account remains dormant and is not reactivated, a monthly inactive (dormant) fee will be applied.

Escheatment is a legal process that occurs when unclaimed property, such as dormant bank accounts, is transferred to the state of the account holder’s residence because the owner cannot be contacted after a certain period of inactivity. The state then becomes the custodian of the funds and holds them until the rightful owner claims them by meeting the state’s requirements. This process exists to protect your money and ensure it is not lost or misused. Even if your account is turned over to the state, your funds remain safe and can be reclaimed at any time.

Once an account has been escheated, you must contact your state’s unclaimed property division for instructions.

Yes, you can view your statements via Online Banking or Mobile App. To view your documents, use the steps below:

Online Banking (Desktop):

• Accounts → Statements → Select the account you wish to view

Mobile App:

• More → Accounts → Statements → Select the account you wish to view

Important: Certificates of Deposit (CDs) do not generate monthly statements. Interest postings can be viewed under Account Details for each open CD account.

For checking, savings, and money market accounts, statements are generated on the 10th of each month. If the 10th falls on a weekend or federal holiday, the statement will be generated on the preceding business day.

Statements are typically available for viewing and printing the same day; however, there may be a slight delay before the statement is visible in Online Banking or the Mobile App. Check back later in the day to view your statement.

Important: Certificates of Deposit (CDs) do not generate monthly statements. Interest postings can be viewed in the Account Details section for each CD account.

Statements for closed accounts are not available online. If you need copies of statements for a closed account, contact our Customer Care team for assistance.

You can view up to 5 years of statements online. For older statements, please request them through the Message Center.

If you need a statement that is no longer available online, please send a secure message through your Online Banking Message Center.

Be sure to include:

• Statement date(s) needed
• Account number

Please note that large document requests may incur a fee. If a fee applies, we will contact you for approval before processing your request.

Quontic provides electronic statements by default. If you need paper statements, please contact Customer Care. Fees may apply.

Yes, you can download or print your electronic statements through Online Banking or the Mobile App. Follow the steps below:

Online Banking (Desktop):
• Accounts → Statements → Select the account
• Open the statement, then select Download or Print

Mobile App:
• More → Accounts → Statements → Select the account
• Open the statement, then select Download or Print

Important: Certificates of Deposit (CDs) do not generate monthly statements. Interest postings can be viewed under Account Details for each open CD account.

Yes! You’ll receive an email notification as soon as your electronic statement is ready.

Just a note—while the email is sent once the statement is generated, there may be a slight delay before it’s available to view in Online Banking or the Mobile App.

Yes, joint account holders can access statements through their individual Online Banking or Mobile App login credentials.

Online statements are always free to access—no fees there!

If you need older statements or printed copies, a fee may apply. Don’t worry—we’ll always let you know ahead of time and get your approval before moving forward

No. Statements are only available to account holders through secure online banking or the mobile app.

You can verify your interest earnings based on your account type:

• Checking, Savings, and Money Market Accounts: Interest details are available on your monthly statement.
• Certificates of Deposit (CDs): Interest postings can be viewed in the Account Details section.

Keeping your contact information current ensures you receive important alerts, statements, and security notifications. It also helps prevent fraud and maintain compliance with banking regulations.

Send a secure message through Online Banking Message Center or email us with:

1. A color copy of your valid government-issued ID showing your new name
2. A copy of your marriage certificate or court document reflecting the name change

Send a secure message through Online Banking Message Center with a color copy of your valid government-issued ID showing the correct name

You can update your address directly in Online Banking or the Mobile App:

Online Banking:

1. Log in and select Settings > Account Preferences > Contact
2. Click the pencil icon next to your address
3. Enter the correct address and click Save

Mobile App:

1. Tap More > Settings > Account Preferences > Contact
2. Click the arrow next to your address
3. Edit and select Save Address

Yes, PO Boxes can be used for mailing addresses only. A physical address is required for your account profile to comply with federal regulations.

No, international addresses are not accepted, except for U.S. military base addresses. For military addresses, provide:

1. A color copy of your valid government-issued ID
2. Proof of address (e.g., utility bill, USPS confirmation, voter registration) via Secure Messaging

You can update your phone number in Online Banking or the Mobile App:

Online Banking:

1. Log in and select Settings > Account Preferences > Contact
2. Click the pencil icon next to your phone number
3. Enter the correct number and click Save

Mobile App:

1. Tap More > Settings > Account Preferences > Contact
2. Click the arrow next to your phone number
3. Edit and select Save

You can update your phone number in Online Banking or the Mobile App:

Online Banking:

1. Log in and select Settings > Account Preferences > Contact
2. Click the pencil icon next to your email address
3. Enter the correct number and click Save

Mobile App:

1. Tap More > Settings > Account Preferences > Contact
2. Click the arrow next to your email address
3. Edit and select Save

Yes, your email address on file will be used for all account notifications, including statement alerts.

Each account owner must update their own contact information through their individual Online Banking or Mobile App login.

Send a secure message through Online Banking Message Center with:

1. A color copy of your valid government-issued ID
2. A color copy of your signed Social Security Card

Send a secure message through Online Banking Message Center with a color copy of your valid government-issued ID

Visit our Contact Us page for support. We will provide an Account Maintenance Form via email. Complete the form with your updated information, include your full name and wet signature, and return it along with a color copy of your valid government-issued ID.

To protect your account and prevent fraud, we require official documents to verify identity and ensure accuracy for sensitive changes like name, SSN, or address corrections.

Updates made online are immediate. Updates requiring documentation (e.g., name change) typically process within 1–2 business days after verification.

No, for security reasons, updates cannot be processed by phone. Please use Online Banking, the Mobile App, or Secure Messaging.

Processing may be delayed. Ensure documents are clear, full-page, and legible to avoid delays.

Yes, you will receive a confirmation email or secure message when changes are successfully processed. 

To close your checking or money market account, follow these steps:

Online Banking (Desktop):

• Navigate to Tools → Secure Forms
• Select the Checking/ Money Market Account Closure Form and complete the required details

Mobile App:

• Tap More → Tools → Secure Forms
• Select the Checking/ Money Market Account Closure Form and complete the required details

Tip: If you choose a different account for your closure transfer than the one used for your initial deposit, you will be required to provide additional documentation.

To close your savings account, follow these steps:

Online Banking (Desktop):

• Navigate to Tools → Secure Forms
• Select the Savings Account Closure Form and complete the required details

Mobile App:

• Tap More → Tools → Secure Forms
• Select the Savings Account Closure Form and complete the required details

Tip: If you choose a different account for your closure transfer than the one used for your initial deposit, you will be required to provide additional documentation.

To To close your CD account, follow these steps:

Online Banking (Desktop):

• Navigate to Tools → Secure Forms
• Select the CD Account Closure Form and complete the required details

Mobile App:

• Tap More → Tools → Secure Forms
• Select the CD Account Closure Form and complete the required details

Tip: If you choose a different account for your closure transfer than the one used for your initial deposit, you will be required to provide additional documentation.

Your remaining balance will be returned via an electronic transfer to the account specified in your account closure instructions.

Yes, you can specify a different external account during your closure request, but it must be owned by you.

If you choose a different account for your closure transfer than the one used for your initial deposit, you will be required to provide additional documentation for verification.

There are no fees to close a checking, savings, or money market account.

For Certificate of Deposit (CD) accounts, closures completed at maturity or during the grace period can be processed without penalty.

Closing a CD before maturity may reduce your interest or principal. Penalties vary based on the CD term:

• Up to 12 months: Penalty equals interest for the full term
• 12–24 months: Penalty equals one year of interest
• 24 months or more: Penalty equals two years of interest

For complete details, please refer to the Quontic Bank Disclosure Required by Federal Law, which outlines the full penalty terms and conditions.

You have 10 calendar days upon the maturity date of your CD to close or renew your CD without penalty.

Closures typically process within 2–3 business days after verification and funds transfer.

No, all transactions must clear before the account can be closed.

No, the balance must be brought to zero before closure.

Any account owner can request account closure.

All associated cards and rings will be closed immediately upon account closure.

Yes. If you’ve decided your account is no longer the right fit, simply contact our Customer Care team and we’ll guide you through the account closure process. Additional information or documentation may be required, and depending on your account status, the review and closure process may take additional time to complete.

Yes, you will receive a confirmation email or secure message once your account closure is complete.

No, never send sensitive information via unsecured email. Always use Secure Forms in Online Banking or the Mobile App.

A restricted bank account means that certain actions or features are limited or temporarily unavailable. This could include restrictions on withdrawals, transfers, or access to certain online banking tools.

To protect your privacy, details about the restriction will be provided through a secure message.

You can view your message through:

Online Banking (Desktop):

• Navigate to Account Tools → Message Center

Mobile App:

• Tap More → Tools → Message Center

If you are not enrolled in Online Banking, a secure email will be sent to the email address we have on file through Proofpoint.

There are various reasons why an account may be restricted. To protect your privacy, specific details about the restriction are included in our electronic message to you.

To lift the restriction, follow the steps outlined in the electronic message we sent you. It will guide you through what is needed to review and restore your account access.

Our Customer Care team is here to help you in any way they can — but they can’t lift restrictions on your account. The best way to get full access to your account is to follow the instructions and wait for our team to verify the documentation and information provided. The cases are worked in the order of response time.

If you cannot find the message in the Message Center or your email, please contact us.

If the restriction is not resolved within the timeframe on the electronic message, your account will be scheduled to be closed. Please take into consideration that unresolved restrictions may result in the inability to open an account with Quontic in the future.

To avoid future account blocks, adopting preventative measures is essential.

• Keep your contact information up to date
• Use Strong Password & Two Factor Authentication
• Monitor your Account Activity
• Respond to Bank Alerts Promptly
• Don’t share your login credentials 
• Secure your Devices
• Be the Authorized Account holder – Only link or fund accounts you legally own
• Verify your account information – Ensure accuracy when linking external account

Disclaimer: While you can take these preventative measures, including but not limited to those listed above, to reduce the likelihood of account restrictions, Quontic Bank reserves the right to restrict and limit access to your account at our discretion for your security and the banks.

At times, Quontic Bank may request documentation to help us verify certain account activities and to comply with federal regulations. These requests are part of our commitment to protecting your account, maintain regulatory compliance, and preventing fraud.

Quontic will mail all 1099 forms by January 31st. Please allow 10–14 business days for delivery via standard postal service  

At this time, you are unable to view the 1099 tax form in your Online Banking Portal.  

For updates to a PO BOX, please send us a message via Message Center through your Online Banking Portal or visiting our Contact Us Page.

Using our Mobile Application:

1. Please log into your account through the Mobile Application.
2. Click on More > Settings > Account Preferences  > Contact  > Update your Mailing Address

Using our Desktop Online banking platform:

1. Please log into your account through the website.
2. Click on Settings > Account Preferences  > Contact  > Update your Mailing Address   

The Internal Revenue Service (IRS) requires that 1099 Tax Forms be issued under the name and Social Security Number of the Primary Account Holder for tax reporting purposes. 

The IRS mandates that interest earned over $10.00 be reported only under the name and Social Security Number of the Primary Account Holder, not the joint account holder(s). 

No, only the primary account holder of the account is authorized to submit a request for an electronic copy of their Tax Form. The primary account holder must contact us or submit the request. 

No, the Tax Form cannot be forwarded to an alternate address registered with the United States Postal Service. If you believe that we have an incorrect mailing address for you, please contact us through your online banking portal to update your contact information. 

If your account earned $10 or more in interest during the tax year, a 1099 form will be mailed to the address we have on file. You’ll need this form when filing your taxes.

Current Clients:
You can check your year-to-date interest through Online Banking or the Mobile App:

Online Banking (Desktop):
• Accounts → Tax Information
• Review the Year-to-Date Earned Interest under the Interest/Dividend column

Mobile App:
• Tap More → Accounts → Tax Information
• Review the Year-to-Date Earned Interest under the Interest/Dividend section

Inactive Clients:
Please click here to submit a request, and we’ll verify whether you qualify for a 1099 form for the current tax year.

If you have not received your 1099 tax form by the second week of February, you can request an electronic copy of your mailed form.

Click here to submit your request.

Please send us a message via Message Center through your Online Banking Portal or visiting our Contact Us Page. 

If you notice a transaction that looks suspicious or incorrect:

1. Double-check the details: Some merchants use different names for billing.
2. Still looks wrong? Contact us immediately
   • Online: Go to Tools > Message Center and send us a secure message to begin the process.
   • By phone: Call 1-800-908-6600 during our hours of operations

Any account holder listed on the account can initiate an ACH dispute.

Tip: Make sure you have the transaction details ready when you contact us—we’ll guide you through the next steps.

Yes, you can start the process by sending us a secure message through your online banking.

• We will review your message
• A Specialist will contact you during our hours of operation to complete the dispute

A SA Stop Payment is a request you submit to ask the bank to prevent a specific check or electronic (ACH) payment from being processed. If the request is placed in time, we will attempt to block the transaction before it is completed.

Customers commonly request a Stop Payment when:

• A check is lost, stolen, or written incorrectly
• An upcoming electronic (ACH) payment should no longer be processed
• A recurring ACH debit (such as a subscription) needs to be stopped
• A merchant is no longer authorized to withdraw funds

Note: Stop Payment requests must be submitted as soon as possible. If the check or ACH transaction has already been processed and cleared, the payment cannot be stopped.

Yes. A $20 fee applies to each Stop Payment request.

To submit a Stop Payment request, please be prepared to provide the following details:

• Transaction type: Check or Electronic (ACH)
• Check number: (for check payments only)
• Payee or merchant name
• Dollar amount: Exact or estimated
• Transaction date
• Reason for the request

Providing complete and accurate information helps increase the likelihood of successfully stopping the transaction.

Stop Payment timeframes can vary depending on the type of transaction and the terms of your account. For the exact duration that a Stop Payment remains in effect, refer to the Stop Payment section of our Quontic Bank Disclosure Required By Federal Law

No. Once a transaction has been processed and posted to your account, a Stop Payment cannot be placed.

Yes, you can request a Stop Payment on a future recurring ACH payment.

We also recommend canceling the payment directly where it was set up or contacting the merchant to stop the authorization. This can help prevent any additional charges from being processed.

StoStop Payments generally take effect quickly; however, timing can vary based on a few factors:

• When the request is submitted: Requests made during business hours are typically processed the same day. Requests submitted after hours, on weekends, or on federal holidays are processed the next business day.
• Transaction status: If the payment is already processed or has been posted, it may not be able to be stopped.

For the best chance of success, we recommend submitting your Stop Payment request as early as possible.

Card transactions work differently, and a Stop Payment cannot be placed on these types of transactions.

If you notice a transaction you don’t recognize, please contact our Customer Care team right away so we can review the activity and guide you through the next steps.

Some transactions cannot be stopped once they have been initiated or processed, including:

• Zelle® or other real-time payments
• Debit card transactions after authorization
• Transactions that have already been processed or posted

If you notice a transaction you don’t recognize, please contact us right away so we can review the activity and guide you through any available options.

A Stop Payment can significantly reduce the chance of a transaction being processed, but it cannot guarantee that the item will be stopped.

A transaction may still be processed if:

• The request is submitted after the transaction is already pending or has been posted
• The transaction details provided are incomplete or inaccurate

For the best chance of success, we recommend submitting your Stop Payment request as early as possible and providing complete, accurate information.

If a Stop Payment renewal is available, the standard Stop Payment fee may apply.

You can confirm your Stop Payment request using one of the following methods:

• Check your Secure Messages: Look for confirmation or update regarding your request
• Review your Online Banking activity: Your transaction history may reflect the Stop Payment
• Contact Customer Care: Reach out to our team if you’d like additional confirmation

To submit or cancel a Stop Payment request in Online Banking, navigate to Tools and follow the appropriate path:

• Stop Payment for a check: Select Tools → Stop Payment
• Stop Payment for ACH or cancel a Stop Payment: Select Tools → Secure Forms → Locate the appropriate form

To submit or cancel a Stop Payment request in Online Banking, navigate to Tools and follow the appropriate path:

• Stop Payment for a check: Select More → Tools → Stop Payment
• Stop Payment for ACH or cancel a Stop Payment: Select More → Tools → Secure Forms → Locate the appropriate form

No, Quontic CDs are set to automatically renew by default. We do not offer a single-term or non-renewal option at account setup.

To view your daily deposit limit, log into the Quontic Mobile App and follow these steps:

• Tap Deposit
• Select Got It, Let’s Go
• Select Your account
• Your current daily deposit limit will be shown under the Deposit Amount field

You can update how you receive alerts for completed mobile deposits through Online Banking by following the steps below:

• Online Banking (Desktop):
  Go to Settings → Alerts → Mobile Deposit

• Mobile App:
  Tap More → Settings → Alerts → Mobile Deposit

Yes, alerts for completed mobile deposits are automatically enabled and cannot be turned off. These notifications are designed to keep you informed and provide visibility into the status of your deposits.

You have a few simple ways to add money to your Quontic account:

• External Transfer (from another bank) – Use your other bank’s online banking to send money into your Quontic account
• Transfer via Quontic Online Banking – Link an external account and transfer funds into your Quontic account
• Incoming Wire Transfer – Receive funds sent securely from another bank
• Mobile Deposit – Deposit checks easily using the Quontic Mobile App
• Direct Deposit – Set up recurring deposits from your employer or other income source

You have a few simple ways to add money to your Quontic account or move funds between banks:

• External Transfer (from another bank) – Use your other bank’s online banking to send money into your Quontic account
• Transfer via Quontic Online Banking – Link an external account and transfer funds into your Quontic account
• Incoming Wire Transfer – Receive funds sent securely from another bank
• Mobile Deposit – Deposit checks easily using the Quontic Mobile App

Direct Deposit – Set up recurring deposits from your employer or other income source

We understand that plans can change!

New accounts are subject to a 5-business-day hold on the initial deposit to allow the funds to fully clear.

If your account was opened within the last 5 business days, you may contact your funding bank to request a stop payment on the initial deposit.

If a stop payment isn’t possible, note that CDs are different from checking or savings accounts, as they are fixed-term products. If you choose to close your CD before the maturity date, an early withdrawal penalty will apply.

Zelle® is designed for sending money to people you know and trust. If you authorized a payment—even if you later believe it may be related to a scam—it may not be eligible for reimbursement.

If you believe you were misled or targeted by fraud, please contact us as soon as possible. We’re here to help review your situation and walk you through any available options.

Note: Zelle® payments are typically processed within minutes, so once a transaction is sent, it may not be possible to recover the funds.