Quontic Bank is a digital bank that offers high-yield checking and savings accounts and a very large ATM network of over 90,000 locations. Quontic’s personal checking, savings and money market accounts all require a minimum opening deposit of at least $100, but none charge monthly maintenance fees. Quontic’s most unique perk is its Pay Ring, a wearable contactless debit card that checking account holders can request at no cost. But if you’re looking for an all-in-one bank, know that Quontic doesn’t offer investing services, credit cards or personal loans.
Best for: Those who prefer online banking and high APYs.
If you don’t mind online banking, Quontic might be the right choice for you.
Quontic is an FDIC-insured online bank, so it doesn’t have any physical branches. What it does have, though, is an extensive fee-free ATM network of over 90,000 locations, so you’ll likely have access to cash deposits and withdrawals via ATM if that’s a priority.
The Quontic Bank High Yield Savings account also includes an optional ATM card, and its money market account (MMA) offers a debit card and checkwriting. For a digital bank, these perks are rare and appreciated.
Among online banks, Quontic stands out for its large ATM network, high APYs and accessible accounts.
It’s more positive than negative with Quontic.
There isn’t much to gripe about with Quontic, but it may not be the right bank for everyone.
Quontic offers three checking accounts without monthly maintenance or overdraft fees. However, you’ll need at least $100 to open any of these accounts.
The Quontic High Yield Savings account is a top choice, thanks to its optional ATM card and high rate.
This account offers up to 3.20% APY with no monthly fees and a $100 opening deposit requirement similar to its other accounts. It also provides an optional ATM card, which is nice as most savings accounts don’t bother with that feature. However, like most savings accounts, you’re limited to six withdrawals per month.
Quontic features a Money Market account with an impressive 3.90% APY, with no monthly maintenance fees or overdraft fees. Just like its other accounts, there’s a $100 opening deposit requirement.
The 3.90% APY is significantly higher than the national average of 0.63% for money markets, and that rate also places it among some of the best money market accounts out there. (1)
Quontic’s certificate of deposit (CD) offerings are competitive, with rates up to 3.66% APY that crush national averages. You’ll need at least $500 to open one, which is reasonable as most banks require at least $1,000 to open a CD.
| Term | APY | Opening deposit requirement |
|---|---|---|
| 3 months | 3.66% | |
| 6 months | 3.75% | $500 |
| 12 months | 4.00% | $500 |
| 24 months | $500 | |
| 36 months | 2.85% | $500 |
| 60 months | 2.75% | $500 |
Aside from personal banking, Quontic has a few other services.
However, Quontic doesn’t offer personal loans or credit cards.
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.
The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.
The Finder Score analyzes hundreds of CDs from more than 100 institutions. It takes into account the product's interest rate for available terms and opening deposit requirements - this gives you a simple score out of 10.
Different banks and credit unions offer CDs for various lengths of time, ranging from as short as seven days to as long as 20 years. For our ratings, we consider the term lengths that the FDIC uses in its monthly updates on national rates.
If a bank or credit union doesn’t offer a CD for a specific term used by the FDIC, we don’t penalize it: Instead, we simply don’t rate it. Each of the standard term lengths has its own APY rating based on the FDIC’s average rates.
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1 out of 5 stars, based on 4 customer reviews |
| Trustpilot score | 4.2 out of 5 stars, based on 710 customer reviews |
| Apple App Store Score | 4.8 out of 5 stars, based on 1,200 customer reviews |
| Google Play Score | 4.8 out of 5 stars, based on 420 customer reviews |
| Customer reviews verified as of | 13 August 2026 |
Quontic Bank does pretty well in terms of customer ratings and reviews, to our genuine surprise. Most online banks have a tough go of it when it comes to reviews, as many customers find themselves frustrated trying to communicate with customer support without physical branches.
With the Better Business Bureau (BBB), Quontic does rather well, holding the highest BBB rating available and only a handful of complaints. Most banks have thousands of complaints, so Quontic having fewer than 50 is amazing, to say the least. But, there’s a common theme among the complaints, namely that customers report a lengthy and annoying verification process for wire transfers or online transfers, such as two-factor authentication, telephone verifications, providing a utility bill and having to contact the bank to enable transfers.
On Trustpilot, Quontic gets mostly positive ratings, with reviews citing great customer support. A few mention they love the Pay Ring, and overall, most of the positive reviews focus on Quontic’s non-traditional and traditional mortgage programs. Negative reviews mention customers being denied a CD, with several stating they didn’t know why Quontic rejected them.
We tried Quontic’s customer support line at 1-800-908-6600, and it appeared to be working just fine. A few BBB complaints align with the Reddit thread, with a handful of customers stating they had issues accessing their funds in their Quontic account soon after opening.
One of the best digital high-yield savings accounts that pays a high APY.
The Quontic Bank Money Market account lets you write checks, make debit card purchases and earn interest. Find out its pros, cons and account eligibility requirements.
Quontic Bank’s great rates on long-term CDs come with high penalties for early withdrawal.
