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.

	Member FDIC	Citizens BankCIT BankBank of America
	Visit Site	Learn More
	Quontic	Citizens Bank
	SPECIAL OFFER High Yield Savings - 3.75% APY - Learn More Read Quontic Review	SPECIAL OFFER Personal Checking and Savings Account - $400 Bonus - Learn More Read Citizens Bank Review
	Benefits and Features
Savings	High Yield Savings: 3.75% APY	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	3.00% to 3.75% APY; $500 minimum	Several types of CD accounts. Terms ranging from 6-10 month. 3.50% - 4.15% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 6-Month and 10-Month online CD.
Checking	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback
Money Market	4.25% APY	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.
ATMs		3,300+ ATMs across 14 states
Customer Service		24/7 Telephone Customer Service
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	Online only	1,000+ branches in 14 states
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
Fees
Pros & Cons	Pros: No monthly service fee High interest rate Cons: Basic mobile app $5/mo inactivity fee	Pros: High APY No monthly fees Cons: No physical branches No cash deposits
Bottom Line	Innovative digital bank offering checking accounts with high rewards... Read full review	Online savings account with an impressive rate and no fees... 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	Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus 6-Month CD - 4.25% 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. Citizens Bank: Pricing information from published website as of 10/23/2025 based on 10011 zip code.

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 CIT Bank.

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.

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Articles on Citizens Bank

Citizens Bank High Yield Savings

Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.

• Citizens Bank vs Bank of America

Citizens Bank Problems

While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.

Which Do You Think is Best?

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