Quontic vs US Bank
Quontic is an innovative digital bank offering checking accounts with high rewards. How does it compare to US Bank? Read our comparison chart below.
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Quontic | US Bank | |
|---|---|---|
High Yield Savings - 3.20% APY - | U.S. Bank Smartly™ Checking - $300 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance. | |
| CD | 3.25% to 4.45% APY; Terms of 6 months to 5 years; $500 minimum | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 3.00% APY - 3.20% APY. Terms of 11, 17, and 25 months. Minimum deposit of $1,000. Maximum deposit $249,999. |
| Checking | High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.5% cashback Bitcoin Rewards Checking: 1.5% Bitcoin | |
| Money Market | 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. | |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| ATMs | More than 4,700 ATMs across the country | |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | More than 3000 branches across the country. | |
CreditDonkey® Reviews | ||
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| Checking |  | |
| Customer Service | | |
| Mobile App | | |
| CD | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Innovative digital bank offering checking accounts with high rewards... | Big national bank with wide array of services and many account options... |
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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 11/23/2022 US Bank: Pricing information from published website as of 11/9/2022 based on 91107 zip code. | ||
High Yield Savings - 3.20% APY
- 3.20% 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.
Money Market Account - Up to 3.00% APY
- Earn 3.00% Annual Percentage Yield
- No monthly maintenance or overdraft fees
- $100 minimum deposit required to open an account
U.S. Bank Smartly™ Checking - $300 Bonus
Earn $300 when you open a new eligible U.S. Bank Smartly™ checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through December 19, 2022. Member FDIC.
Complete these steps within 60 days of opening your new Bank Smartly™ checking account online:
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $5,000 or more to earn $300
Silver Business Checking Package - $400 Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC.
Complete these steps to earn the offer:
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Gold Business Checking Package - $400 Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC.
Complete these steps to earn the offer:
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Which is Better: Quontic or US 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.
In short: Quontic's savings and checking are notable.
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.
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Is Quontic Bank safe and secure? Find out how Quontic protects your account and learn about common customer complaints.
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US Bank
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