Chime vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ChimeChime High-Yield Savings Account Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 1.00% - 3.50% | 3.50% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $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 AppDirect Deposit ReqChecking Bundle | 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 Chime vs. Quontic Bank
As of both Chime (Chime High-Yield Savings Account) and Quontic Bank (High Yield Savings) offer an APY of 3.50% .
Both banks yield $350 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
Why Chime?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓No checking account or direct deposit required
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Executive Summary as of
Both Chime and Quontic Bank offer competitive high-yield savings accounts with an APY of 3.50%. Chime's High-Yield Savings Account requires a qualifying direct deposit of $200 or more within the preceding 34 days, while Quontic Bank does not have such a requirement, making it potentially simpler for customers. Chime has no minimum deposit requirement, whereas Quontic requires a minimum deposit of $100. Both accounts are online-only and come with no maintenance fees. Given the lack of direct deposit requirements, Quontic Bank's offering may be more accessible for some customers.
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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Chime vs. Quontic Bank Savings Calculator
Both accounts earn exactly the same amount.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | Chime | Quontic Bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Chime High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Chime Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chime | Quontic Bank |
|---|---|---|
| Chime High-Yield Savings Account | High Yield Savings | |
Current APY | 3.50% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | 9.5 | -1.6 |
Days Since Change | 83 | 8 |
11-Month High | 3.75% | 3.85% |
11-Month Low | 2.00% | 3.50% |
Adjustments / Mo | 0.18 | 0.18 |
Volatility Score | 0.180 | 0.019 |
How to read these metrics(Click to expand)
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