Open a New Account

As an adaptive digital bank, we’re putting the financial power back in your hands. Take advantage of our innovative rewards checking and savings programs. Open an online bank account below.

Checking Accounts

Take control of your money and open a checking account that gives you more.

Bitcoin Rewards Checking 1

The first of its kind – Earn 1.5% Bitcoin on eligible debit card transactions. Minimum of $500 required to open.

Cash Rewards Checking 2

Ready for a checking account that earns 1.50% cash back? Look no further. Minimum of $100 required to open.

High Interest Checking 3

Get rewarded for your high average balances with our High Interest Checking account. Earn up to 1.01% Annual Percentage Yield (APY) with ten qualifying debit card transactions of $10 or more. Minimum of $100 required to open.

Which checking account is right for me?

Read a bit about our different checking accounts to understand which one would be the best fit for your lifestyle.

Learn More

Savings Accounts

Earn a higher rate than traditional savings with our online accounts.

High Yield Savings 4

The High Yield Savings account that brings a new meaning to ‘stretching your savings’. With 0.55% APY, we’ve knocked the national average out of the park. Minimum of $100 required to open.

Money Market 5

As your savings grows, so does your Annual Percentage Yield (APY) . Earn up to 0.40% interest with our Money Market Account. Minimum of $100 required to open.

Certificates of Deposit

Maximize your savings with the best rates CD rates in the nation.* Minimum of $500 required to open a CD. Withdrawals before the maturity date are subject to penalties.

Learn More

6 Month CD

0.65%

6

Annual Percentage Yield

1 Year CD

0.75%

6

Annual Percentage Yield

2 Year CD

0.85%

6

Annual Percentage Yield

3 Year CD

1.00%

6

Annual Percentage Yield

Disclaimer:

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.

1 Applications are subject to approval. There are geographic, regulatory, and other restrictions that may apply. Bitcoin Reward Checking is currently available in the states of Alabama, Alaska, Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. Bitcoin Reward Checking account is a noninterest 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 during the prior monthly statement cycle. 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”), which is authorized by the New York State Department of Financial Services to engage in virtual currency business activity, are not met. Fees and terms are subject to change. Additional terms and conditions may apply. Balances of Bitcoin Rewards and/or digital assets in your NYDIG Account are not subject to Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) protections.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). Application is subject to approval. Information is accurate as of April 7, 2021 and may change without notice.

2 This is a personal noninterest bearing account. You must deposit $100.00 to open this account. No minimum daily balance required to receive the cash back reward and no monthly service fee. Qualifying point of sale (POS) debit card transactions shall receive 1.50% cash back that post and settle to the account each statement cycle. Ask for details. Additional terms, conditions, fees & exclusions may apply. 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. Application is subject to approval. Information is accurate as of April 7, 2021 and may change without notice.

3 High Interest Checking Account will change to 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 which must be $10 or more. If the minimum qualifying activity requirements are met, then 1.01% 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, 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 May 17, 2021 and may change without notice.

4 This is a personal interest bearing account. You must deposit $100.00 to open this account. No minimum daily balance required and no monthly service fee. Rate of 0.55% APY applies to balances of $0.01–$999,999.99. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. 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. Application is subject to approval. Information is accurate as of April 7, 2021 and may change without notice.

5 This is a personal interest bearing account. You must deposit $100.00 to open this account. No minimum daily balance required and no monthly service fee. Rate tiers are as follows: 0.30% APY applies to balances of $0.01–$4,999.99, 0.35% APY applies to balances of $5,000.00–$149,999.99, and 0.40% APY applies to balance of $150,000.00 or more. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. 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. Application is subject to approval. Information is accurate as of April 7, 2021 and may change without notice.

6 This is a personal interest bearing account. You must deposit $500.00 to open this account. APY is accurate and effective as of April 7, 2021. APY may change thereafter for new accounts and upon renewal. Withdrawals before the maturity date are subject to penalties. Offer is subject to change at any time. Ask for details. Additional terms, conditions, fees & exclusions may apply. Fees could reduce earnings. Application is subject to approval.

*According to Bankrate.com list of top CD rates as of 6.10.2021.

June 10, 2021

6 This is a personal interest bearing account. You must deposit $500.00 to open this account. APY is accurate and effective as of April 7, 2021. APY may change thereafter for new accounts and upon renewal. Withdrawals before the maturity date are subject to penalties. Offer is subject to change at any time. Ask for details. Additional terms, conditions, fees & exclusions may apply. Fees could reduce earnings. Application is subject to approval.