Quontic vs Citizens Bank
Quontic is an innovative digital bank offering checking accounts with high rewards. How does it compare to Citizens Bank? Read our comparison chart below.
 | ||
 |  | |
Quontic | Citizens Bank | |
|---|---|---|
High Yield Savings - 4.25% APY - | Personal Checking Account - $300 Bonus - | |
Benefits and Features | ||
| Savings | Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account. | |
| CD | 4.75% to 5.05% APY; $500 minimum | Several types of CD accounts. Terms ranging from 14-month. 2.75% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts. |
| Checking | High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback Bitcoin Rewards Checking: 1.5% Bitcoin | |
| Money Market | Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. | |
| Customer Service | 24/7 Telephone Customer Service | |
| ATMs | More than 3100 ATMs across 11 states. | |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | Approximately 1,018 branches across the country | |
CreditDonkey® Reviews | ||
| ||
| Savings |   | |
| Checking |  | |
| Customer Service | | |
| Mobile App | | |
| CD | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Innovative digital bank offering checking accounts with high rewards... | East Coast bank with solid deposit products to help meet goals... |
| | |
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 4/6/2023. Citizens Bank: Pricing information from published website as of 05/30/2023 based on 10011 zip code. | ||
High Yield Savings - 4.25% APY
- 4.25% APY
- $100 minimum opening deposit
- No monthly service fees
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.
CD Rates - Up to 4.75% APY
- $500 minimum opening deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 6 Months | 5.05% APY |
| 1 Year | 5.15% APY |
| 2 Years | 4.50% APY |
| 3 Years | 4.40% APY |
| 5 Years | 4.30% APY |
Which is Better: Quontic or Citizens Bank?
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.
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 Legit
Is Quontic Bank safe and secure? Find out how Quontic protects your account and learn about common customer complaints.
Articles on Citizens Bank
Citizens Bank Review
Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.
Which Do You Think is Best?
You Might Also Like
Best Money Market Rates
Good money market accounts offer high interest rates with more flexibility. Here are the safest money market accounts to earn the most interest.
Best Online Savings Account
Good online savings accounts have a high interest rate, flexibility and are fully secured. Here are the best banks to consider.
Next Page: Quontic Bank Review
