Savings and Checking Accounts

Quontic is the adaptive digital bank helping people grow their money with purpose. We’re changing the narrative of traditional banking – Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.

10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY per account balance tier. If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01% APY. Please visit our website for list of non-qualifying activities. APY means Annual Percentage Yield.

Available nationwide

Customer Service: 1-800-908-6600

Since Axos Bank first opened for business on July 4, 2000, Axos Bank has been leading the way in digital banking. Today they’re a technology-driven financial services company that provides innovative banking products and services to customers nationwide.

$250 minimum balance to open an account. Balances of $25,000 or more earn a lower tier rate than the first $25,000.

Available nationwide

Since Axos Bank first opened for business on July 4, 2000, Axos Bank has been leading the way in digital banking. Today they’re a technology-driven financial services company that provides innovative banking products and services to customers nationwide.

See Bank Website for terms and conditions

Available nationwide

CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).

* APY — With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.

Available nationwide

Customer Service: 1 (855) 462-2652
Fraud, Disputes & Related Issues: 1 (855) 462-2652

CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).

APY — Annual Percentage Yield is accurate as of June 16, 2022 Interest Rates for the Savings Builder Account are variable and may change at any time without prior notice.

Available nationwide

CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).

* APY — Annual Percentage Yield is accurate as of August 25, 2022. Interest Rates for the Money Market account are variable and may change at any time without prior notice. Fees may reduce earnings.

** Based on comparison to the national average Annual Percentage Yield (APY) on money market accounts as published in the FDIC National Rates and Rate Caps, accurate as of July 18, 2022.

Deposit at least $15,000 to the account within the first 15 calendar days following account opening (the “Funding Period”). The $15,000 used to fund the account must come from a funding source outside of CIT Bank. Transfers from existing CIT Bank accounts will not qualify.

Maintain an end-of-day account balance of at least $15,000 each of the 60 days following the end of the Funding Period.  If the end-of-day balance falls below $15,000 at any time during this 60-day period, you will not qualify for the Amazon Prime membership offer.

There is a limit of one Money Market promotional offer per account and per customer. If multiple Money Market accounts are opened, only one account will be eligible. Custodial accounts are not eligible. This offer is non-transferable.

Customers meeting all of the above requirements will be sent an email with instructions on how to activate their one-year Amazon Prime membership. This instructional email will be sent to the email address on file for the primary account owner approximately 30 days after the end of 60-day period specified in requirement #3, above. The account must remain open for the instructional email to be sent.

IMPORTANT: All customers who qualify for the one-year Amazon Prime membership must redeem it no later than 03/23/2024. Customers who fail to redeem by this deadline will forfeit the one-year Amazon Prime membership from CIT Bank. 

Note: information and access to the one-year Amazon Prime membership is provided in electronic form, via email. No paper certificates or gift cards are available. 

Available nationwide

Customer Service: 1 (855) 462-2652
Fraud, Disputes & Related Issues: 1 (855) 462-2652

CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).

* APY — Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.

Available nationwide

Customer Service: 1 (855) 462-2652
Fraud, Disputes & Related Issues: 1 (855) 462-2652

Founded in 1913, Stride Bank is an Oklahoma-based financial institution that holds over $1.17 billion in assets. Offering a full range of financial services such as consumer and commercial banking, mortgage, wealth management, and treasury management, Stride Bank has also developed and currently manage highly specialized payment solutions for several national fintech companies.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

¹ APY—Annual Percentage Yield. Effective December 9, 2020 the interest rate will be 0.50%. These interest rates are variable and may change at our discretion at any time. No minimum balance required. Must have $0.01 in savings to earn interest.

² The average national savings account interest rate of 0.05% is determined by FDIC as of November 30th, 2020 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. visit https://www.fdic.gov/regulations/resources/rates/historical/2020-11-30.html to learn more.

³ There’s no fee for the Chime Savings Account but a $2.50 cash withdrawal fee is applied to the Chime Spending Account for out of network ATM withdrawals and over the counter "OTC" withdrawals. You must have a Chime Spending Account to open a Chime Savings Account.

Available nationwide

Quontic is the adaptive digital bank helping people grow their money with purpose. We’re changing the narrative of traditional banking – Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.

Limit of 6 withdrawals per statement cycle APY means Annual Percentage Yield

Available nationwide

Customer Service: 1-800-908-6600

Quontic is the adaptive digital bank helping people grow their money with purpose. We’re changing the narrative of traditional banking – Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.

See Bank Website for terms and conditions

Available nationwide

Customer Service: 1-800-908-6600

Quontic is the adaptive digital bank helping people grow their money with purpose. We’re changing the narrative of traditional banking – Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.

Withdrawals before the maturity date are subject to penalties.

Available nationwide

Customer Service: 1-800-908-6600