Quontic vs Citibank

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

	Quontic	Citibank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER High Yield Savings - 3.75% APY - Learn More Read Quontic Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	High Yield Savings: 3.75% APY	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	3.00% to 3.75% APY; $500 minimum	6-Month Fixed Rate CD - Up to 3.80% APY 9-Month Fixed Rate CD - Up to 3.50% APY 3-Month Fixed Rate CD - 2.25% APY 1-Year Fixed Rate CD - Up to 2.25% APY 5-Year Fixed Rate CD - 2.00% APY
Checking	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback
Money Market	4.25% APY
Mobile App		iOS & Android
ATMs		More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer Service		24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	Online only	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
	CreditDonkey® Reviews

Savings
Checking
Mobile App
Customer Service
CD
Pros & Cons	Pros: No monthly service fee High interest rate Cons: Basic mobile app $5/mo inactivity fee	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	Innovative digital bank offering checking accounts with high rewards... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	High Yield Savings - 3.75% APY High Interest Checking - Up to 1.10% APY CD Rates - Up to 3.75% APY
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 10/24/2025. Citibank: Pricing information from published website as of 11/05/2025. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Which is Better: Quontic or Citibank?

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 checking are notable.

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Quontic Bank

Quontic Bank aims to provide a better experience (and rewards) for those underserved by traditional banks. Review the rates, fees, and customer reviews.