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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.

 Quontic
Member FDIC
US Bank
Member FDIC
 Visit SiteVisit Site
 

Quontic

US Bank

SPECIAL OFFER
High Yield Savings - 4.50% APY - Learn More

Read Quontic Review

SPECIAL OFFER
U.S. Bank Smartly® Checking and Standard Savings - Up to $800 Bonus - Learn More

Read US Bank Review

 

Benefits and Features

Savings
High Yield Savings: 4.50% APY
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.
CD4.30% to 5.30% APY; $500 minimumStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999.
CheckingHigh Interest Checking: Up to 1.10% APY
Cash Rewards Checking: 1.00% cashback
Bitcoin Rewards Checking: 1.5% Bitcoin
Smartly Checking
Money Market
5.00% APY
0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
ATMs More than 37,000 ATMs across the country
Customer Service 24/7 Live Customer Service (Telephone)
IRA Money Market Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations More than 2200 branches across the country.
 

CreditDonkey® Reviews

 QuonticUS Bank
SavingsStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarHalf Star
CDStarStarStarStarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • No monthly service fee
  • High interest rate
Cons:
  • Basic mobile app
  • $5/mo inactivity fee
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low savings APY
Bottom LineInnovative digital bank offering checking accounts with high rewards... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Visit SiteVisit Site

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 02/07/2024.

US Bank: Pricing information from published website as of 02/07/2024 based on 91107 zip code.

US Bank
Member FDIC

U.S. Bank Smartly® Checking and Standard Savings - Up to $800 Bonus

Earn up to $800 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through March 12, 2024. Member FDIC.

Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $300 with a new Standard Savings account.

  • Make new money deposit(s) totaling $25,000 by March 31, 2024
  • Maintain that balance until June 30, 2024
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Expires 3/12/2024
US Bank
Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $350.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 4/23/2024
US Bank
Member FDIC

Gold Business Checking Package - Up to $800 Bonus

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $350.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 4/23/2024

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.

Is Quontic Bank Legit

Is Quontic Bank safe and secure? Find out how Quontic protects your account and learn about common customer complaints.

Articles on US Bank

US Bank

Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

Who Owns US Bank

U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

US Bank Silver Business Checking Minimum Balance

Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

US Bank Silver Business Checking Fees

Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

US Bank Business Checking Requirements

Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

US Bank Problems

U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

US Bank vs Chase Business Checking

U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

U.S. Bank Checking Account Bonus

Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

US Bank Business Checking Bonus

Boost your business with a U.S. Bank Business Checking bonus. Learn how to make the most out of this offer.

US Bank Routing Number

To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

Which Do You Think is Best?





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