Changing how you
think about banking

At Quontic, we’re always innovating. But we don’t just chase new ways of doing things just for the sake of it. We listen to what our customers need, then give it to them. Here are just a few ways we’re working to change how you bank:

You can say “Goodbye Fees”

The banking industry made over a billion dollars in overdraft fees in 2021. At Quontic, we believe that you shouldn’t be charged for access to your own money. And it’s often those in the toughest financial situations that rack up the most fees. That goes against what we stand for, so we’ve done away with our overdraft fees, among a dozen others we eliminated. We want to grow with our customers, but not at their expense.

You can join the first bank in the U.S. to offer a wearable

Pay with a tap of the hand with the sleek Quontic Pay Ring. Get a Ring with any Quontic checking account.

You can open a Bitcoin Rewards Checking account

Quontic exists to break from the traditional banking mold and offer its customers something that is unique. Earn Bitcoin rewards just for using your debit card for qualifying transactions.1

You can connect with us in the metaverse

The metaverse is an evolving space where artists are posting original art, brands are selling unique wares, and where we’ll all be spending a lot more time in the future. Quontic wanted to be among the first to establish a presence there so we could bring the future of banking to our customers today.

You can be proud of a Community Development Financial Institution

Being a CDFI allows us to offer our unique CDL product. We’re a digital-only CDFI, and, unlike some other CDFIs, we are a national lender that provides our unique Community Development Loans2 in all fifty states. Our mission is to level the lending playing field by making mortgages more equitable for communities that need them.
CDFI: Certified US Department of Treasury

Be the change in banking
Start your Quontic journey


1Bitcoin Reward Checking account is a non-interest bearing personal checking account, requires a minimum of $500.00 to open the account, and does not require a minimum daily balance to earn Bitcoin rewards. Qualifying Point of Sale (POS) Debit Card Transactions (“Eligible Debit Card Transactions”) shall receive Bitcoin Rewards at the U.S. dollar value of 1.50% on all Qualifying POS Debit Card Transactions that post and settle to the Bitcoin Rewards Checking Account. Fees and terms are subject to change. Additional terms and conditions may apply. No Bitcoin Rewards will be paid if the Qualifying POS Debit Card Transaction requirements are not met or if the requirements for establishing an account with NYDIG Execution LLC (“NYDIG Account”) are not met. The following are not Qualifying POS Debit Card Transactions and do not count toward earning Bitcoin Rewards: ATM-processed transactions; transfers between accounts; purchases made with debit cards not issued by the Bank; cash over portions of POS 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 (services such as Venmo®️ and PayPal™️ , who also provide P2P payments). Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Bitcoin earned through this program can only be sold and redeemed for cash and cannot be transferred or spent, including in the metaverse. Bitcoin execution and custody services in connection with the Bitcoin Rewards Checking account are provided by NYDIG Execution LLC (“NYDIG”). NYDIG is authorized by the New York State Department of Financial Services to engage in virtual currency business activity. To receive bitcoin services an account will be opened with NYDIG in which your bitcoin will be held (the “NYDIG Account”). Please refer to NYDIG’s User Agreement for more information, including applicable eligibility criteria. Bitcoin balances in your NYDIG Account are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other public or private insurer. NYDIG does not make any recommendations regarding buying or selling bitcoin. There are risks associated with bitcoin trading, including possible loss of value. See NYDIG’s User Agreement. Information is published as of November 1, 2022.

2All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of October 19, 2022 & is subject to change without notice.