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.
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Quontic | Citizens Bank | |
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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 | ||
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Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Money Market | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Innovative digital bank offering checking accounts with high rewards... | East Coast bank with solid deposit products to help meet goals... |
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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 |
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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?
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