Is Quontic Bank High Interest Checking Account the right fit for you?
Last Updated: 01/22/2026
Quontic Bank High Interest Checking Account
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in Checking Accounts from Quontic Bank
Last Updated: 01/22/2026
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 #57807). 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).
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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
Other Services by Quontic Bank
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +86, or 4.7 on a 5-point rating scale.
+86
-1000+100
No one recommends
Everyone recommends
Quontic Bank High Interest Checking Account Community Reviews
Would you recommend Quontic Bank High Interest Checking Account to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
It's a pretty good banking service despite the opinions of some. I would recommend this to those looking for a new banking service.
MP
Marianna P.
Mar 19, 2022
May or may not recommend
It's a pretty good banking service despite the opinions of some. I would recommend this to those looking for a new banking service.
MH
Markos H.
Mar 4, 2022
May or may not recommend
It’s a decent banking the interest rates aren’t really that high and it takes a lot to even get the interest rates
SR
Santiago R.
Feb 9, 2022
May or may not recommend
This account could be called Quontic 0.0, because the usual management costs are always 0.00 $.
There are no maintenance fees, no ATM fees, no overdraft fees, and more.
With 100 $ you open the account and they send you the debit card.
Of course, for those who love to go to the bank branches, it is not valid, since all the operations are online.
Ask yourself who gives you ...Show More
MM
Munib M.
Feb 6, 2022
May or may not recommend
Well I started with the minimum deposit which was $100. It's more of a digital bank, no cash deposit. The rate is high so I would recommend Quontic Bank.
Jas T.
Jan 31, 2022
May or may not recommend
The pro is in its name! Keeping up with both my savings and checking accounts use to be such a drag. I prefer credit any-day but before I got my hands on that, I needed a reliable source to help with my debit checking account.
This bank was my go-to! Once I adjusted everything to my liking, it started to work itself.
SS
Shelly S.
Jan 14, 2022
May or may not recommend
I really like Quontic bank because they have high interest rates and their customer service is amazing, you only need $100 to open up the account. I highly recommend this.
Ciara J.
Oct 4, 2021
May or may not recommend
I would recommend this account because of its high interest. I am always looking for a reason or incentive as to why I should place my money into a saving/checking account. This checking account gives me plenty of incentive. I also like that there is no monthly fee. Customer service is always on top of issues that I encounter. The only downside is that you have to place at least ...Show More
EN
Eleasia N.
Aug 27, 2021
May or may not recommend
Quontic Banking Account is basically known for offering a range of deposits without requiring so many fees. I was able to have full access to their ATMs so I could distribute my money into my savings easily. There is also no monthly fees as well.
GL
Grace L.
Aug 14, 2021
May or may not recommend
It’s a good checking account that has high-interest yield and access to a nationwide network of ATMs. It’s beneficial for people who do their banking mostly online. But it charges $35 overdraft fee and no daily fee limit.
TJ
Travis J.
Jul 23, 2021
May or may not recommend
Great interest rates and they try to ensure you get the most out of it.
PN
P N.
Jun 25, 2021
May or may not recommend
Quontic Bank has High Interest Checking Accounts with no monthly fees. This company also has fraud monitoring with the option to lock your card anytime so you don't have to worry because your account will be secured at all times.
AW
Aven W.
Jun 24, 2021
May or may not recommend
Quontic High Yield Savings is an excellent savings account that offers a competitive rate and no monthly service charges. However, if you're looking for a savings account with more comprehensive features, such as savings buckets or automated saves, you might want to seek elsewhere.
Additionally, Quontic provides a high-yield Drawbridge Savings Account. Earn a high-interest rate on your investments and then give the interest to the #BeTheDrawbridge fund. This initiative assists ...Show More
SL
Serise L.
Jun 20, 2021
May or may not recommend
If you're looking for a checking account that actually generates interest, this is the bank to check out. I used to be leery of online banks with no locations near me, because it meant that I might have to deal with a buggy website or an app that isn't quite ready for prime time.
Quontic has a high APY for a checking account, along with the features that you'd expect, ...Show More
Showing 14 of 14 reviews
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