BMO vs Quontic
BMO is a midwest bank with options for low and high-balance customers. How does it compare to Quontic? Read our comparison chart below.
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BMO | Quontic | |
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BMO Smart Advantage Checking account - Earn $400 Cash Bonus* - | High Yield Savings - 3.85% APY - | |
Benefits and Features | ||
Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. | |
CD | 0.05% - 3.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | 3.00% to 3.75% APY; $500 minimum |
Checking | Smart Advantage, Smart Money, Relationship | High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback |
Money Market | Up to 2.68% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | |
ATMs | ||
Customer Service | Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm | |
IRA CD | 0.05% - 1.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit | |
IRA Money Market | IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee | |
Locations | ||
CreditDonkey® Reviews | ||
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Money Market | ![]() ![]() ![]() ![]() ![]() | |
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Pros & Cons | Pros:
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Bottom Line | Midwest bank with options for low and high-balance customers... | Innovative digital bank offering checking accounts with high rewards... |
Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO: Pricing information from published website as of 06/06/2025 based on 60603 zip code. Quontic: Pricing information from published website as of 04/18/2025. |
BMO Smart Advantage Checking account - Earn $400 Cash Bonus*
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
BMO Smart Money Checking account - Earn $400 Cash Bonus*
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
Which is Better: BMO or Quontic?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing BMO or Chase.
In short: Quontic's savings and customer service are notable.