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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.

 QuonticCitibank
 Visit SiteLearn More
 

Quontic

Citibank

SPECIAL OFFER
High Yield Savings - 4.50% APY - Learn More

Read Quontic Review

OFFER
Citi Priority - Earn up to $2,000 Cash Bonus

Read Citibank Review

 

Benefits and Features

Savings
High Yield Savings: 4.50% APY
CitiĀ® 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.
CD4.30% to 5.30% APY; $500 minimum
Check
CheckingHigh Interest Checking: Up to 1.10% APY
Cash Rewards Checking: 1.00% cashback
Bitcoin Rewards Checking: 1.5% Bitcoin
Citi Priority
Money Market
5.00% APY
Check
Customer Service 24/7 Live Customer Service (Telephone)
ATMs More than 70,000 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.
IRA CD 
Check
IRA Money Market 
Check
Locations More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 QuonticCitibank
SavingsStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarHalf Star
CDStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • 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 LineInnovative digital bank offering checking accounts with high rewards... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    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 09/05/2023.

    Citibank: Pricing information from published website as of 09/20/2023. 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.

    Citibank: 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.

    Quontic
    Member FDIC

    High Yield Savings - 4.50% APY

    • 4.50% APY
    • $100 minimum opening deposit
    • No monthly service fees
    Quontic
    Member FDIC

    High Interest Checking - Up to 1.10% APY

    • Earn up to 1.10% APY
    • $100 minimum opening deposit
    • APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.
    Quontic
    Member FDIC

    CD Rates - Up to 5.30% APY

    • $500 minimum opening deposit
    • FDIC insured

    TermCD Rates
    6 Months5.05% APY
    1 Year5.30% APY
    2 Years4.50% APY
    3 Years4.40% APY
    5 Years4.30% APY
    Citibank

    Citi Priority - Earn up to $2,000 Cash Bonus

    Expires 1/9/2024
    • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
    • New to Relationship customers can choose their Relationship Tier.
    • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
    • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
    • If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    • Restrictions apply.
    Citibank

    Citi Priority - Earn up to $2,000 Cash Bonus

    Expires 1/9/2024

    Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day. New To Relationship customers can choose their Relationship Tier. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities. Restrictions apply.

    Balance LevelsMaximum Bonus
    $10,000 - $29,999$200
    $30,000 - $74,999$500
    $75,000 - $199,999$1,000
    $200,000 - $299,999$1,500
    $300,000 and above$2,000

    Citibank

    Citigold® - Earn up to $2,000 Bonus

    Expires 1/9/2024
    • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day.
    • New to Relationship customers can choose their Relationship Tier.
    • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
    • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
    • If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    • Restrictions apply

    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 Chase.

    In short: Quontic's savings and checking are notable.


    Articles on Quontic

    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.

    Is Quontic Bank Safe and Legit

    Is Quontic Bank safe and secure? Find out how Quontic protects your account and learn about common customer complaints.

    Articles on Citibank

    Citibank

    Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Citibank Open Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Priority Account Bonus

    Earn up to $2,000 for opening a Citi Priority with required activities. Find out how to take advantage of the huge bonus.

    Citibank High Yield Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Which Do You Think is Best?





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