Last Updated: 01/21/2026
Quontic Bank High Interest Checking Account
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in Checking Accounts from Quontic Bank
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +86
Strongly recommended14 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 1.10%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
Quontic Bank High Interest Checking Account Review
The Quontic Bank High Interest Checking Account is offered by Quontic Bank, a bank founded in 2009 and based in New York, NY. Quontic Bank High Interest Checking is available in 50 states and Washington, DC.
Key Takeaways
- APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.
- Up to 1.10% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.10%, which is much higher than the average for the checking accounts that we track
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Quontic Bank mobile or online banking.
- Soft credit pull. Quontic Bank will not perform a hard credit pull when you open an account.
Quontic Bank High Interest Checking Pros & Cons
| Pros | Cons |
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Quontic Bank High Interest Checking FAQ
Are checking accounts from Quontic Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Quontic Bank High Interest Checking offer?
Quontic Bank High Interest Checking offers an APY up to 1.10% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Quontic Bank High Interest Checking?
Quontic Bank High Interest Checking requires a minimum initial deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Quontic Bank High Interest Checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Quontic Bank High Interest Checking charge overdraft fees?
No, Quontic Bank High Interest Checking does not charge overdraft fees.What features and perks does Quontic Bank High Interest Checking offer?
This account includes the following features:
- APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - Quontic Bank High Interest Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Quontic Bank High Interest Checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
- Soft credit pull - Quontic Bank High Interest Checking performs a soft credit pull so you can check whether you qualify without hurting your credit.
What is the customer support email for Quontic Bank High Interest Checking?
The customer support email for Quontic Bank High Interest Checking is info@quonticbank.com.
How do people rate the customer service and user experience of Quontic Bank High Interest Checking?
Overall, Quontic Bank High Interest Checking is strongly recommended based on community reviews that rate customer service and user experience.
Quontic Bank High Interest Checking Account Disclosure: When qualifying activity is met, the maximum account balance to earn 1.01% APY is $150,000 When qualifying activity is met, account balances from $150,000.01 to $1,000,000 will now earn 0.35% APY (and will also earn 1.01% APY on the account balance up to $150,000).
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Message from Quontic Bank High Interest Checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed