Effective May 17, 2021, the High Interest Checking Account will change to a conditional tiered variable rate 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 1.00% 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, the 0.01% APY applies to all balances. We may change the tiers that apply to this account at any time without notice.
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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!
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.
Frequently Asked Questions
Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!
You can open an account with as little as $100.
You can transfer funds from an existing Quontic Bank account, from an account at another bank, by ACH transfer, or by mailing us a check.
Our mailing address is:
Astoria, NY 11106
Attn: New Accounts
Please do NOT mail cash!
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.
You will start earning interest the business day we receive your opening deposit. Interest will be paid once per monthly statement period.
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.
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via live chat, phone, our online form, or by emailing.
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.
Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. Some accounts may require a minimum average daily balance for the statement cycle to avoid service charges. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. In order to sign up for online banking, you must have a Quontic Bank account. Mobile banking requires enrollment through online banking. Data connection required. Wireless carrier fees may apply. There is no charge from Quontic bank for account alerts, but message & data rates may apply. mobile check deposit is available for select mobile devices. Subject to eligibility & further review. Deposits are subject to verification & not available for immediate withdrawal. Deposit limits & other restrictions may apply.
Online Account Opening is only available to consumers. Ask for details. Data connection required to open an account online. Wireless carrier fees may apply. Application is subject to approval & further review. Information is accurate as of the date listed below and may change without notice.
1This is a personal non-interest bearing account. You must deposit $100.00 to open this account. No minimum daily balance required and no monthly service fees. Earn 1.01% APY subject to fulfilling the following minimum qualifying activity requirements per statement cycle: (1) A daily balance less than or equal to $1,000,000.01 and (2) 15 qualifying point of sale debit card transactions. If any of the qualifying activity requirements are not met, the account will earn 0.01% APY and interest rate. 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 April 7, 2021 and may change without notice.
2 APY means Annual Percentage Yield.
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