High Interest Checking
Your income amplified. Earn 1.01% APY on the portion of the daily balances up to $150,000 when you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle. APY earned is based on the portion of the daily balance within the specified tiers. Minimum opening deposit of $100.

Account Daily Balance | Interest Rate | APY with Qualifying Activity Fulfilled ![]() |
---|---|---|
$0 – $150,000 | 1.00% | 1.01% |
$150,000.01 – $1,000,000 | 0.35% | 1.01% – 0.45% |
$1,000,000.01 – and above | 0.00% | 0.45% – 0.00% |
on the entire balance will be 0.01% with an annual percentage yield of 0.01%.




How It Works

How It Works
Apply online in 3 minutes or less with no impact on your credit score. Fund your new account with a minimum balance of $100.
2. Make the required transaction per statement cycle
Use your debit card to make at least 10 qualifying point of sale transactions of $10 or more.
3. Receive up to 1.01% APY1
Interest is compounded daily and deposited into your account each month based on your account daily balance and satisfying the point of sale eligible transactions requirements per statement cycle.
Frequently Asked Questions
What do I need to get started?
Is there a minimum to open an Account?
Can I take money out of the account?
Are there ATM Fees?
What You Get
90,000+ ATMs Across the Nation

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™.


Fully Mobile & Online Banking

Fully Mobile & Online Banking
Enjoy the convenience of banking on your terms—whenever you want, anytime you want with our online banking platform and dynamic mobile app. Features like remote check deposit, bill pay, account transfers, and receipt tracking make managing your finances easy.

No Pockets No Problem
With the Quontic Pay Ring, always have access
to your money with this payment wearable.
Leave your debit card behind and embrace
the future of payments.
No Monthly or Overdraft Fees

No Monthly or Overdraft 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.


Insured And Secured

Insured And Secured
Rest easy when you bank with Quontic. All eligible accounts are FDIC insured2 and include advanced security monitoring. You can lock and unlock your debit card online and are fully protected against unauthorized debit card transactions.
We Use Our Deposits For Good
With Quontic, you’re more than just an account number. You’re a partner on our mission. We’re the bank for the innovators, the groundbreakers and the underdogs who define their own financial story. We use the deposits from our award-winning and highly rated accounts to bring the dream of homeownership to low-income families, immigrants, people of color, small business owners, and others who are unable to obtain home mortgage financing through traditional mortgage channels. Join us – open a Quontic checking account today.
Disclaimer:
1High Interest Checking Account is a conditional tiered variable rate account. You must deposit $100.00 to open this account. The conditional interest rate and annual percentage yield is based on (A) fulfilling the minimum qualifying activity requirements per statement cycle, which are (1) a daily balance less than or equal to $1,000,000.00 and (2) 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, and (B) the portion of the balance within the following specified tiers: (a) If the minimum qualifying activity requirement is fulfilled and your daily balance is $150,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.01%; (b) If the minimum qualifying activity requirement is fulfilled, an interest rate of 0.35% will be paid only for that portion of your daily balance that is greater than $150,000 but not exceeding the amount of $1,000,000.00. The annual percentage yield for this tier will range from 1.01% to 0.45%, depending on the balance in the account; and (c) If the minimum qualifying activity requirement is fulfilled, an interest rate of 0.00% will be paid only for that portion of your daily balance that is greater than $1,000,000.00 The annual percentage yield for this tier will range from 0.45% to 0.00%, depending on the balance in the account. If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01% with an annual percentage yield of 0.01%. 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 September 8, 2021 and may change without notice.
2FDIC insurance is applicable to eligible deposit accounts and up to the maximum allowed by law. Learn more at FDIC: Deposit Insurance
Target is a trademark of Target Brands, Inc. Speedway is a trademark of Speedway LLC. Walgreens is a trademark of Walgreen Co. CVS is a trademark of CVS Pharmacy, Inc. Kroger is a trademark of The Kroger Co. of Michigan. Safeway is a trademark of Safeway Inc. Winn Dixie is a trademark of Winn-Dixie Stores, Inc. Circle K is a trademark of Circle K Stores Inc.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. ©2018 Google LLC, used with permission. Google Pay and the Google Pay logo are trademarks of Google LLC. The Samsung Pay® logo is a registered trademark of Samsung Electronics Co., Ltd. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Mastercard is a registered trademark of Mastercard International Incorporated.
