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 qualifying point-of-sale transactions per statement cycle 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% APY1
The APY you earn will be based on your account daily balance and satisfying the transaction requirement per statement cycle.
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!
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.
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.
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.
MOVE MONEY YOUR WAY
Contact Us Today
via live chat, phone, our online form, or by emailing.
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.
1High Interest Checking Account is a conditional tiered variable rate account. You must deposit $100.00 to open this account. In order to meet the requirements to earn the interest rate, customers must have a daily balance less than or equal to $1,000,000.01 and make at least 10 qualifying point of sale transactions (“eligible transaction”) which must be $10 or more per statement cycle. If the minimum qualifying activity requirements are met, then the Annual Percentage Yield (APY) is paid on the daily balance as follows: Daily balances of $0.01–$100,000 earn 1.01% APY; Daily balances of $100,000.01–$250,000 earn 0.65% APY; Daily balances of $250,000.01–1,000,000.01 earn 0.35% APY; Daily balances over $1,000,000.01 earn 0.00% APY. For example, if the minimum qualifying activity requirement is met and if a customer’s daily balance is $100,002, the full amount of $100,002 earns the APY of 0.65%. If the minimum qualifying activity is not met, then 0.01% APY applies to all balances. We may change the tiers that apply to this account at any time without notice. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of July 20, 2021 and may change without notice.
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