Ally Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ally BankSavings Account Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Ally Bank vs. Quontic Bank
As of Ally Bank offers an APY of 3.30% for its Savings Account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Quontic Bank pays $20 more than Ally Bank on a $10,000 balance after one year. Ally Bank pays $330, while Quontic Bank pays $350 - an APY advantage for Quontic Bank.
Why Ally Bank?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓Higher potential APY (3.50% vs 3.30%) on all balances
- ✓Higher rated Android app (4.9 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $330/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 vs $825/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $20 more interest on a $10,000 balance than Ally Bank's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.50%, making it the winner in this comparison. This account requires a minimum deposit of $100 but has no maintenance fees, and it is entirely online. In contrast, Ally Bank provides a Savings Account with an APY of 3.30%, also with no minimum balance or fees, but it does not match Quontic's higher yield. Both accounts do not require direct deposit, making them accessible options for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Ally Bank vs. Quontic Bank Savings Calculator
You earn $20 more with Quontic Bank than Ally Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ally Bank | Quontic Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Quontic Bank |
|---|---|---|
| Savings Account | High Yield Savings | |
Current APY | 3.30% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.2 | -1.6 |
Days Since Change | 68 | 8 |
11-Month High | 3.80% | 3.85% |
11-Month Low | 3.30% | 3.50% |
Adjustments / Mo | 0.44 | 0.17 |
Volatility Score | 0.043 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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