Quontic vs BMO

Quontic is an innovative digital bank offering checking accounts with high rewards. How does it compare to BMO? Read our comparison chart below.

	Member FDIC	Member FDIC
	Visit Site	Visit Site
	Quontic	BMO
	SPECIAL OFFER High Yield Savings - 3.85% APY - Learn More Read Quontic Review	SPECIAL OFFER BMO Smart Advantage Checking account - Earn $400 Cash Bonus* - Learn More Read BMO Review
	Benefits and Features
Savings	High Yield Savings: 3.85% APY	0.01% APY. $5 reward every month you save $200 or more, for the first year.
CD	3.00% to 3.75% APY; $500 minimum	0.05% - 3.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
Checking	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback	Smart Advantage, Smart Money, Relationship
Money Market	4.25% APY	Up to 2.68% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
ATMs		40,000+ BMO and Allpoint 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	Online only	981 branches
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
CD
Money Market
Pros & Cons	Pros: No monthly service fee High interest rate Cons: Basic mobile app $5/mo inactivity fee	Pros: Free checking with eStatements Large ATM network Good financial tools Cons: Limited branches Low savings APY
Bottom Line	Innovative digital bank offering checking accounts with high rewards... Read full review	Midwest bank with options for low and high-balance customers... Read full review
	Visit Site	Visit Site
	High Yield Savings - 3.85% APY High Interest Checking - Up to 1.10% APY CD Rates - Up to 3.75% APY	BMO Smart Advantage Checking account - Earn $400 Cash Bonus* BMO Smart Money Checking account - Earn $400 Cash Bonus* Savings Account - Up to $60 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Quontic: Pricing information from published website as of 04/18/2025. BMO: Pricing information from published website as of 05/09/2025 based on 60603 zip code.

Member FDIC

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

Get Deal

Expires 9/8/2025

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

Get Deal

Expires 9/8/2025

Which is Better: Quontic or BMO?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Quontic or CIT Bank.

In short: Quontic's savings and customer service are notable.

Articles on Quontic

Quontic Bank

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Articles on BMO

BMO Review

BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.

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BMO Routing Number

If you have a BMO account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.

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BMO Checking Account Bonus & Promotions

BMO rolls out enticing checking offers from time to time to attract new customers. Find the latest bonus deals here.

Who Owns BMO

BMO is a publicly-traded company with significant institutional investors. These include several well-known Canadian asset management firms and banks.

Is BMO an Ethical Bank

BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.

BMO Relationship Minimum Balance

Get more perks when you open a BMO Relationship Checking Account. Find out the balance you need to reach to unlock them.

Is BMO a Good Bank

Is BMO a good choice for your banking needs? Find out here.

Is BMO a Safe Bank

Wondering about the security of your funds with BMO? They have a Financial Crimes Unit backing you up, for one. Read on for more details.

What is BMO

BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.

BMO Smart Money vs Smart Advantage

BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.

Is BMO a Real Bank

BMO, is a U.S bank, part of the Bank of Montreal. It offers solid basic checking options and a large ATM network. But, is it legit? Read on to find out.

Which Do You Think is Best?