Quontic Review

Founded in 2009, Quontic promotes itself as “the adaptive digital bank.” With this motto in mind, it offers online financial services that respond to changing industry demands with intelligent agility. The company’s identity centers on its disruptive culture. As a result, it provides an innovative lineup of checking and savings accounts.

So, let’s examine Quontic more closely to give you a full picture of its banking services.

Pros and Cons of Quontic



What Does Quontic Offer?

Quontic offers three checking accounts and three savings accounts. If you’re interested in checking accounts, then Quontic offers the following options:

And if you’re interested in savings accounts, then Quontic has these options:

What to Expect on the Site

Quontic’s website is fully set up to allow customers to open any account they like from the comfort of home. The sign-up steps are easy to follow, and customers can open a new account in as little as three minutes. Once you decide on which type of account you want to open, click on the “Get Started” button. You’ll then be asked for basic information, including your name, contact information, and funding details. While customers can easily do banking via Quontic’s mobile app, accounts need to be opened on the website via a computer.


One of Quontic’s biggest selling points is its total lack of monthly account fees. All six checking and savings accounts carry nothing in the way of start-up or ongoing charges. However, there are a couple of potential costs new customers should know about. Firstly, Quontic charges a $35 overdraft fee if you overspend on your account. Secondly, if you don’t make any deposits or transactions for one year, then Quontic will apply a $10 inactivity fee.

What People Are Saying About Quontic

As of July 2021, Quontic has an average Trustpilot score. Based on feedback from customers, it has a Trustpilot score of 3.6 out of 5 stars. Additionally, Quontic has been accredited by the Better Business Bureau (BBB) since 2016. As of July 2021, Quontic boasts an A+ BBB rating.

Another key point to highlight is customer ratings of the Quontic mobile app:

These app ratings are accurate as of July 2021.

The Bottom Line

Quontic is a leading innovator in the financial services industry. Its checking and savings accounts especially stand out for their lack of fees and excellent rewards. The company’s Bitcoin Rewards account is a particularly unique feature. Plus, the online bank maintains a large network of free ATMs nationwide.

All in all, we think you’ll find that Quontic has several benefits as you compare top online banking providers.