A good relationship deserves a good checking account
Joint checking that comes with up to two free Pay Rings. The Pay Ring is faster than a phone, more secure than a card, and it’s built to last.
Apply in 3 minutes or less
Introducing the first joint checking account that comes with two free pay rings
FDIC Insured
Up to the legal limit. Minimum opening deposit of $100.
No Nonsense Fees
No minimums, maintenance, overdraft or non-sufficient funds fees.
24/7 Access
90,000 ATMs and a mobile app that’s a breeze to use.
Tap. Paid.
With the Quontic Pay Ring, check out faster than using a debit card or cell phone. Simply curl your fingers as you would if you were going to knock on a door, but do it over the payment terminal.
The ring is accepted wherever you see a Contactless Symbol.
All the security of a debit card and more
- FDIC insured to the maximum legal limit
- MasterCard® Zero Liability and ID Theft Protection
- Your number isn’t visible like a debit card
- Ability to lock and unlock your account
- Harder to lose than a wallet
- Your hand must be in the knocking position to work
Easy to use
Easily manage your pay ring online.
No need to charge
Your Quontic Pay Ring utilizes the same chip technology as a plastic debit card.
Built to last
Made from high-purity ceramic, the ring is water and scratch resistant.
Frequently asked questions
Will my ring be safe?
Yes, The ring has all the security of a debit card and more. Not only does it require you to use a knocking gesture to make it work, but, like a debit card, if you misplace it, you can temporarily disable it until it’s found. Unlike a debit card your number is not visible. Also, you can spend with confidence in knowing that the eligible checking account your hard-earned funds are in at Quontic is FDIC insured.
Do I have the ability to lock and unlock my account ?
Yes, you can contact our Customer Experience team to make this request.
Do I still get a debit card?
Yes, that option is available during sign-up.
What if I don’t know my ring size?
During the ring ordering process, you will be asked if you’d like to order a free ring sizing kit. We highly recommend that you choose to order a sizing kit before submitting your ring size. Ring sizes and ring sizers can vary across the industry. Sizing kits are free of charge and help to ensure you get the perfect fit.
What do I need to get started?
Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!
Banking should be easy
- Send & Receive
Remote check deposit, bill pay, and account transfers. Make and receive payments to your contacts. - Financial Tools
Track your spending and monitor credit with a full credit report, and credit report monitoring. - Synced Accounts
A birds-eye view of all your bank accounts, and loans in one place. - Biometric Authentication
Log in to your account securely with your fingerprint or facial recognition.
Support when you need it, and how you want it
100% US-based support. Chat live, request a call or speak through your computer’s audio.
Banking with a purpose
With Quontic, you’re more than just an account number. You’re a partner on our mission. As a CDFI, we’re the bank that helps bring the dream of homeownership to low-income families, immigrants, people of color, small business owners, and others who are unable to obtain mortgage financing through traditional lenders. Feel good about who you bank with.
