Quontic vs Wells Fargo
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Quontic | Wells Fargo | |
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CD Rates - Up to 2.20% APY - | Personal Checking Account - $200 Bonus - | |
Benefits and Features | ||
Savings | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or primary account owner is 24 years old or under | |
CD | 1.15% to 2.20% APY; Terms of 6 months to 5 years; $500 minimum | Standard Term CD: 0.01% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 0.02% APY if you maintain a linked Portfolio by Wells Fargo relationship. |
Checking | High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.5% cashback Bitcoin Rewards Checking: 1.5% Bitcoin | Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo |
Money Market | Also known as the Platinum Savings Account. 0.01% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 0.02% requires account linked to Portfolio by Wells Fargo relationship. | |
Customer Service | Available 24 hours a day, 7 days a week. | |
ATMs | More than 13,000 ATMs across the country. | |
IRA CD | Standard Term CD: 0.01% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 0.02% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account. | |
IRA Money Market | 0.01% APY. $100 minimum opening deposit. | |
Locations | Approximately 5,400 retail banking branches coast to coast. | |
CreditDonkey® Reviews | ||
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Savings | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | |
Customer Service | ![]() ![]() ![]() ![]() ![]() | |
Mobile App | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Innovative digital bank offering checking accounts with high rewards... | |
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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 07/13/2022 Wells Fargo: Pricing information from published website as of 03/25/2022 based on 91107 zip code. |
CD Rates - Up to 2.20% APY
- $500 minimum opening deposit
- FDIC insured
Term | CD Rates |
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6 Months | 1.15% APY |
1 Year | 1.76% APY |
2 Years | 1.95% APY |
3 Years | 2.05% APY |
5 Years | 2.20% APY |
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.
High Yield Savings - 1.85% APY
- 1.85% APY
- $100 minimum opening deposit
- No monthly service fees