HIGH INTEREST CHECKING

Your Income, Amplified.

Photo of man with his dog, looking at a smart phone with the text: Up to 1.01% Annual Percentage Yield

HIGH INTEREST CHECKING

Your Income, Amplified.

Earn up to 1.01% Annual Percentage Yield with a Quontic High Interest Checking Account. Minimum opening deposit: $100. APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.

Account Balance
APY
$0 – $100,000
1.01%
Account Balance
APY
$100,000.01 – $250,000
0.65%
Account Balance
APY
$250,000.01 – and above
0.35%
Account Balance
APY
$0 – $100,000
1.01%
$100,000.01 – $250,000
0.65%
$250,000.01 – and above
0.65%

Failure to meet the minimum transactions will result in a 0.01% APY.

How It Works

1. Open a High Interest Checking account

Fund your bank account with a minimum balance of $100. Enroll in 3 minutes or less!

2. Make at least 10 point-of-sale transactions each month that are at least $10 each.

Be sure to use your rewards checking account as often as possible in order to accrue APY!

3. Receive up to 1.01% APY

The APY you earn will be based on your account balance and satisfying the transaction requirement.

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Recognized As Top Online Bank

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

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ACCESSIBILITY

90,000+ ATMs Across the Nation

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

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TRANSPARENCY

No Monthly Service Fees

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

Frequently Asked Questions

Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!

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

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.

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

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

You won’t have to pay ATM fees when you use your Quontic Debit Card 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.

Interest is compounded daily and credited to your account monthly using the daily balance method. In order to earn the advertised APY1, you must make 10 point-of-sale debit card transactions per statement cycle. If the conditions are not met, the account will earn the base APY1.

You will start earning interest the business day we receive your opening deposit. Interest will be paid once per monthly statement period.

View More

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Who needs a Branch? We Have an App.

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

MOVE MONEY YOUR WAY
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Contact Us Today

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

Live Chat

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

Loan Officer@2x

Call or Email

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

Live Chat@2x

Live Chat

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

Loan Officer@2x

Call or Email

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

Serving The Underserved.

A Commitment We Don't Take Lightly

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

Disclaimer:

May 17th, 2021

1 High Interest Checking Account will change to a conditional tiered variable rate account. You must deposit $100.00 to open this account. In order to meet the requirements to earn the interest rate, customers must have a daily balance less than or equal to $1,000,000.01 and make at least 10 qualifying point of sale transactions which must be $10 or more. If the minimum qualifying activity requirements are met, then 1.01% annual percentage yield applies to balances of $0.01–$100,000, 0.65% APY applies to balances of $100,000.01–$250,000, and 0.35% APY applies to balances of $250,000.01–1,000,000.01. If the minimum qualifying activity is not met, then 0.01% APY applies to all balances. We may change the tiers that apply to this account at any time without notice. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of May 17, 2021 and may change without notice.

2 APY means Annual Percentage Yield.

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Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.7