Quontic vs Wells Fargo

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

	Quontic	Wells Fargo


	SPECIAL OFFER High Yield Savings - 4.25% APY - Learn More Read Quontic Review	SPECIAL OFFER Personal Checking Account - $2,500 Bonus - Learn More Read Wells Fargo Review
	Benefits and Features
Savings	High Yield Savings: 4.25% APY	0.15% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.
CD	4.30% to 5.15% APY; $500 minimum	Standard Term CD: 0.50% to 2.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 2.51% APY if you maintain a linked Portfolio by Wells Fargo relationship.
Checking	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback Bitcoin Rewards Checking: 1.5% Bitcoin	Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
Money Market	4.75% APY	Also known as the Platinum Savings Account. 0.25% - 2.50% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 2.51% requires account linked to Portfolio by Wells Fargo relationship.
Customer Service		Available 24 hours a day, 7 days a week.
ATMs		More than 12,000 ATMs across the country.
IRA CD		Standard Term CD: 0.01% to 2.50% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 2.51% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market		Also known as Retirement High Yield Savings. 0.25% - 2.50% APY. $100 minimum opening deposit.
Locations		Approximately 4,500+ retail banking branches coast to coast.
	CreditDonkey® Reviews

Savings
Checking
Customer Service
Mobile App
Pros & Cons	Pros: No monthly service fee High interest rate Bitcoin rewards account Cons: Basic mobile app $5/mo inactivity fee
Bottom Line	Innovative digital bank offering checking accounts with high rewards... Read full review	Read full review

	High Yield Savings - 4.25% APY High Interest Checking - Up to 1.10% APY CD Rates - Up to 5.15% APY	Personal Checking Account - $2,500 Bonus Personal Checking Account - $325 Bonus Personal Checking Account - $300 Bonus
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 4/6/2023. Wells Fargo: Pricing information from published website as of 5/27/2023 based on 91107 zip code.

Member FDIC

High Yield Savings - 4.25% APY

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4.25% APY
$100 minimum opening deposit
No monthly service fees

Member FDIC

High Interest Checking - Up to 1.10% APY

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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 5.15% APY

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$500 minimum opening deposit
FDIC insured

Term	CD Rates
6 Months	5.05% APY
1 Year	5.15% APY
2 Years	4.50% APY
3 Years	4.40% APY
5 Years	4.30% APY

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