Last Updated: 01/31/2026
Quontic Bank High Yield Savings
Claimed
in Savings Accounts from Quontic Bank
Last Updated: 01/31/2026
SuperMoney User Recommendation Score +75
Strongly recommended20 total votes
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Highlights
Community Rating
Strongly recommended
APY (Annual Percentage Yield)
3.50%(Verified 01/31/2026)
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Minimum Opening Deposit
$100
Minimum Balance to Earn APY
$0
Number of Reviews
Quontic Bank High Yield Savings Review
Quontic Bank High Yield Savings is offered by Quontic Bank, a bank founded in 2009 and based in New York, NY. Quontic Bank Savings are available in 50 states and Washington, DC.
Key Takeaways
- High yield savings. This account offers an annual percentage yield of up to 3.50%, which is much higher than the average interest rate for a savings 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.
- Soft credit pull. Quontic Bank will not perform a hard credit pull when you open an account.
Quontic Bank Savings Pros & Cons
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Quontic Bank Savings FAQ
Are savings 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.
Does Quontic Bank offer a signup bonus?
Quontic Bank Savings doesn't offer a signup bonus.
What is the minimum initial deposit for Quontic Bank Savings?
The minimum deposit to open a Quontic Bank Savings is $100.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Quontic Bank High Yield Savings offer?
Quontic Bank Savings offers an APY of 3.50% (APY stands for annual percentage yield, rates may change). This is much higher than the average savings account rate.
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Quontic Bank Savings charge?
Quontic Bank Savings does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20 fee.
- Incoming domestic bank transfers come with a $10 fee.
- Outgoing international bank transfers come with a $30 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Incoming international bank transfers come with a $10 fee.
- An overdraft on your account will trigger a $35 fee per item.
- Quontic Bank Savings charges $5 every time you request a paper statement.
Does Quontic Bank Savings charge overdraft fees?
Yes, Quontic Bank Savings charges a $35 overdraft fee. Quontic Bank Savings offers overdraft protection at a cost of $35 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Quontic Bank Savings offer?
This savings account includes the following features:
- Check images with monthly statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks for each statement period.
- Fraud monitoring - Quontic Bank Savings monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
- Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Quontic Bank Savings allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
- Soft credit pull - Quontic Bank Savings performs a soft credit pull so you can check whether you qualify without hurting your credit.
Can you set up a direct deposit to Quontic Bank Savings?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Quontic Bank Savings?
The customer support email for Quontic Bank Savings is info@quonticbank.com.
How do people rate the customer service and user experience of Quontic Bank Savings?
Overall, Quontic Bank Savings is strongly recommended based on community reviews that rate customer service and user experience.
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Message from Quontic Bank Savings
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