Earn 1.10% APY
with a High Interest
Checking Account

Earn 1.10% APY1 on all balance tiers when you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle and be a trendsetter in contactless payments with your free Quontic Pay Ring. Open an account online in just 3 minutes and with only $100 opening deposit.
Free Pay Ring
Forbes Best Overall Online Bank 2022
Bankrate: Best Online Bank 2022

Checking on the go

Have the convenience of customer service support and access to your checking account while you’re online or through our mobile app.

Earn High Interest Daily

Accrue an APY that’s over 27x higher than the national average.2

No Monthly or Overdraft Fees

We’ll never surprise you with hidden monthly fees. View the full list of possible account fees here.

Insured and Secured

Your money is FDIC insured to the maximum legal limits and includes advanced security monitoring.

No Pockets?
No Problem

Level up your High Interest Checking account with the Quontic Pay Ring – the next evolution in wearable payments. Add a free Pay Ring, traditional debit card, or both, when you open an account.

Accepted wherever you see the contactless symbol

Secure Technology - Enable/Disable as needed

Built to Last - Water and Scratch Resistant


1High Interest Checking Account is a conditional tiered variable rate account wherein you must deposit $100.00 to open this account. After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. If the qualifying activity requirement is NOT fulfilled, the annual percentage yield on the balance will be 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 August 5, 2022 and may change without notice.

2National Average APY information as of October 17, 2022, according to the FDIC National Rates and Rate Caps.

Bankrate is a registered trademark of Bankrate, LLC. Newsweek is a registered trademark of Newsweek, Inc. Forbes is a registered trademark of Forbes LLC.