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.