Quontic vs TD Bank
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Quontic | TD Bank | |
|---|---|---|
CD Rates - Up to 2.30% APY - | TD $300 Beyond Checking Bonus - | |
Benefits and Features | ||
| Savings | 0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older. | |
| CD | 0.95% - 2.30% APY; Terms of 6 months to 5 years; $500 minimum | 0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). |
| Checking | High Interest Checking: Up to 1.01% APY Cash Rewards Checking: 1.5% cashback Bitcoin Rewards Checking: 1.5% Bitcoin | TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠ |
| Money Market | 0.01% - 0.02% APY (up to 0.03% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old. | |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| ATMs | Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | |
| IRA CD | 0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). | |
| Locations | 1300 locations along the east coast. | |
CreditDonkey® Reviews | ||
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| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Innovative digital bank offering checking accounts with high rewards... | East Coast bank with relatively low minimum balance requirements... |
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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 08/14/2021 TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code. | ||
CD Rates - Up to 2.30% APY
- $500 minimum opening deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 6 Months | 0.95% APY |
| 1 Year | 1.25% APY |
| 2 Years | 1.76% APY |
| 3 Years | 1.95% APY |
| 5 Years | 2.30% APY |
High Interest Checking - Up to 1.01% APY
- Earn up to 1.01% 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.
High Yield Savings - 1.01% APY
- 1.01% APY
- $100 minimum opening deposit
- No monthly service fees
TD Beyond Checking - $300 Cash Bonus
- Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
- Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
- Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
- TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
TD Convenience Checking℠ - $150 Cash Bonus
- Earn $150 when you receive direct deposits totaling $500 or more within 60 days
- Low minimum daily balance of $100 waives the $15 monthly fee.
- Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
- Instantly replace a lost or worn debit card by visiting a TD Bank location near you
- Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
- Get a 0.25% discount on TD Bank Home Equity and Personal Loans
Articles on Quontic
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.
Quontic Bank Review
Quontic Bank aims to provide a better experience (and rewards) for those underserved by traditional banks. Review the rates, fees, and customer reviews.
Articles on TD Bank
TD Bank Reviews
TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.
TD Beyond Checking Bonus
TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.
TD Convenience Checking Bonus
TD Bank is offering a $150 sign-up bonus for opening a Convenience Checking ℠ account. Learn more about this promotion below.
TD Bank Hours
TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.
TD Open Account
Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.
TD Bank Routing Number
Find your TD Bank routing number by state. Get the correct number with and without a check.
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