Quontic vs UFB Direct

Quontic is an innovative digital bank offering checking accounts with high rewards. How does it compare to UFB Direct? Read our comparison chart below.

	Quontic	UFB Direct
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER High Yield Savings - 4.50% APY - Learn More Read Quontic Review	SPECIAL OFFER UFB Secure Savings - Earn up to 5.25% APY - Learn More Read UFB Direct Review
	Benefits and Features
Savings	High Yield Savings: 4.50% APY	Up to 5.25% APY
CD	4.30% to 5.30% APY; $500 minimum	N/A
Checking	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback Bitcoin Rewards Checking: 1.5% Bitcoin	N/A
Money Market	5.00% APY	Up to 5.25% APY
Customer Service		Mon - Fri: 8 am - 5 pm PT
Mobile App		iOS & Android
ATMs		Free withdrawals at 91,000 ATMs across the nation
Locations		Online only
	CreditDonkey® Reviews

Savings
Checking
Customer Service
Mobile App
Money Market
Pros & Cons	Pros: No monthly service fee High interest rate Cons: Basic mobile app $5/mo inactivity fee	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	Innovative digital bank offering checking accounts with high rewards... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Visit Site	Learn More
	High Yield Savings - 4.50% APY High Interest Checking - Up to 1.10% APY CD Rates - Up to 5.30% APY	UFB Secure Savings - Earn up to 5.25% APY UFB Secure Money Market - Earn up to 5.25% 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 11/14/2023. UFB Direct: Pricing information from published website as of 11/26/2023.

Member FDIC

High Yield Savings - 4.50% APY

Learn More

4.50% APY
$100 minimum opening deposit
No monthly service fees

Member FDIC

High Interest Checking - Up to 1.10% APY

Learn More

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.

Member FDIC

CD Rates - Up to 5.30% APY

Learn More

$500 minimum opening deposit
FDIC insured

Term	CD Rates
6 Months	5.05% APY
1 Year	5.30% APY
2 Years	4.50% APY
3 Years	4.40% APY
5 Years	4.30% APY

Which is Better: Quontic or UFB Direct?

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 customer service is notable. UFB Direct's savings is outstanding.

Articles on Quontic

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.