Quontic Bank
Quontic Money Market Account Review 2026
Updated October 10, 2026
3.90% APY on all balances, with a debit card, checks and a $100 minimum to open.
Quick answer
Quontic's Money Market Account paid 3.90% APY on all balance tiers on October 10, 2026 — the highest of the five open accounts in this guide — with a $100 minimum to open, no monthly fees, a debit card and check writing. It is FDIC-insured up to $250,000.
Who Quontic Money Market Account is best for
Savers who can open with $100 and want the highest rate in this guide with check and debit access.
At a glance
- APY
- 3.90%
- Minimum to open
- $100
- Monthly fee
- None
- FDIC
- Insured
All balance tiers. Read at quontic.com on October 10, 2026; the page shows no date for the rate
Minimum opening deposit
No monthly fees and no overdraft fees, per quontic.com; other fees may apply
Quontic Bank — $250K coverage
Pros
- +3.90% APY on every balance tier — the highest money market rate we verified for this guide
- +Low $100 minimum opening deposit
- +No monthly fees and no overdraft fees
- +Debit card and check-writing privileges
- +Quontic describes itself as a CDFI (Community Development Financial Institution)
Cons
- −$100 minimum to open (Ally and Synchrony open with no minimum)
- −Quontic's page shows the rate without a date, and the rate is variable
- −Smaller bank — fewer product options than a full-service online bank like Ally
Quontic Money Market Account requirements
- US resident with SSN
- At least 18 years old
- $100 minimum opening deposit
Quontic Money Market Account rates & fees
Quontic's Money Market Account paid 3.90% APY on all balance tiers when we read quontic.com on October 10, 2026. The minimum to open is $100 and there are no monthly fees. The rate is variable — verify the current rate at quontic.com before opening.
Rates & fees last verified at the issuer on 2026-10-10. Always confirm current terms before applying.
◆ ClearValue platform data
How Quontic's money market rate compares with the FDIC national average
The FDIC's national average money market rate was 0.63% as of September 21, 2026 (FDIC National Rates and Rate Caps). The Quontic Money Market Account paid 3.90% APY when we read quontic.com on October 10, 2026 — about 6.2x the national average.
On a $10,000 balance held for 12 months at an unchanged rate, 3.90% APY earns $390 in interest and the national average earns $63 — a difference of $327. Among the five money market accounts in this guide that are open to new customers, its APY ranked first (the range was 1.55%–3.90%). It takes $100 to open; Ally and Synchrony open with no minimum.
Primary sources: FDIC National Rates and Rate Caps
The 0.63% figure is the FDIC's national average across insured institutions, not a Quontic quote. Quontic's APY is the one its site showed on October 10, 2026; money market rates are variable and can change after the account is opened, so confirm the rate at quontic.com first.
Quontic Money Market Account alternatives
Top alternatives worth comparing from Best Money Market Accounts 2026.
Ally Bank
Ally Bank Money Market Account
3.10% APY with no minimum to open and no monthly fee, plus debit card and checks
Axos Bank
UFB Portfolio Money Market
3.26% APY; $10 monthly fee unless you keep $5,000
Synchrony Bank
Synchrony Bank Money Market Account
2.00% APY with no minimum, checks and an optional ATM card
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Quontic Bank→Guide last updated October 10, 2026
The full lineup
See all picks in Best Money Market Accounts 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Quontic Money Market Account scores 4.4 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Savers who can open with $100 and want the highest rate in this guide with check and debit access.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Quontic Money Market Account
What does CDFI-certified mean for Quontic Bank?+
A Community Development Financial Institution (CDFI) is a lender certified by the U.S. Treasury's CDFI Fund as having a mission of serving underserved communities and borrowers. Quontic describes itself as a CDFI on quontic.com. Quontic Bank is also FDIC-insured — deposits are federally insured up to $250,000 per depositor per ownership category. Verify FDIC status at fdic.gov. Source: quontic.com; U.S. Treasury CDFI Fund at cdfifund.gov.
Does Quontic Money Market Account include check writing or a debit card?+
Yes to both. Quontic says the Money Market account offers a debit card and check-writing privileges, and that customers can request a debit card. It also advertises 90,000 surcharge-free ATMs. Verify access features and the fee schedule at quontic.com before opening.
What is the minimum balance to earn the top APY at Quontic MMA?+
The minimum to open is $100. On October 10, 2026, quontic.com said 3.90% APY applies to all three of its balance tiers, starting at $0.01, so there is no higher balance to reach for the advertised rate. The rate is variable and may change without notice — verify the current APY and tiers at quontic.com before opening.
Is ClearValue Lending a bank or account issuer?+
No. ClearValue Lending is not a bank, account issuer, lender, or financial advisor. This review presents publicly available editorial information about the Quontic Money Market Account. The account is issued and operated by Quontic Bank. APYs, terms, fees, and eligibility are determined solely by Quontic Bank and may change — verify current terms at quontic.com before opening.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.