Jenius Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.50% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | 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 Jenius Bank vs. Quontic Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius 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.
Jenius Bank pays $55 more than Quontic Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Quontic Bank pays $350 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.50%) on all balances
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.9 vs 3.6)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $350/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $875/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.9 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $55 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the top choice for savers looking for higher returns without any direct deposit requirements or maintenance fees. This account is online-only and requires no minimum deposit or balance. In contrast, Quontic Bank's High Yield Savings account provides a lower APY of 3.50%, also with no direct deposit requirement, but it does require a minimum deposit of $100. While Quontic Bank excels in mobile app experience, Jenius Bank stands out for its superior interest rate.
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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Jenius Bank vs. Quontic Bank Savings Calculator
You earn $55 more with Jenius Bank than Quontic 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
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 | Jenius Bank | Quontic Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Jenius Savings | 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 | iOS4.0 Android3.6 | 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 Jenius 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 | Jenius Bank | Quontic Bank |
|---|---|---|
| Jenius Savings | High Yield Savings | |
Current APY | 4.05% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -1.6 |
Days Since Change | 50 | 8 |
11-Month High | 4.50% | 3.85% |
11-Month Low | 4.05% | 3.50% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.029 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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