Presidential Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Presidential BankAdvantage Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% - 3.75% | 3.50% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $5,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect 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 Presidential Bank vs. Quontic Bank
As of Presidential Bank offers an APY of 3.75% for its Advantage Savings account, with a minimum balance of N/A, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Presidential Bank pays $25 more than Quontic Bank on a $10,000 balance after one year. Presidential Bank pays $375, while Quontic Bank pays $350 - an APY advantage for Presidential Bank.
Why Presidential Bank?
- ✓Higher potential APY (3.75% vs 3.50%) (requires checking bundle & direct deposit)
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
Why Quontic Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 4.2)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $375 vs $350/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 vs $875/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $25 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
Presidential Bank's Advantage Savings leads with a competitive APY of 3.75%, provided customers maintain a monthly direct deposit of $500 into an Advantage Checking Account. This account is ideal for those looking for better returns on larger deposits, as it outperforms Quontic Bank's High Yield Savings, which offers a lower APY of 3.50% without any direct deposit requirements. Quontic's account is online-only and requires a minimum deposit of just $100, making it a simpler choice for those who prefer fewer conditions.
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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Presidential Bank vs. Quontic Bank Savings Calculator
You earn $25 more with Presidential 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.
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | Presidential Bank | Quontic Bank |
|---|---|---|
| APY | 3.75% Range: 3.25% - 3.75% Verified: 1/7/2026 ↘︎ 0.75%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Advantage Savings | High Yield Savings |
| Minimum Deposit | $5,000 | $100 |
| Min. Balance for APY | N/A | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.2 | iOS4.8 Android4.9 |
| Zelle® Support | Available Native integration; Advantage Savings supports Zelle. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Presidential 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 | Presidential Bank | Quontic Bank |
|---|---|---|
| Advantage Savings | High Yield Savings | |
Current APY | 3.75% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.7 | -1.6 |
Days Since Change | 21 | 8 |
11-Month High | 4.50% | 3.85% |
11-Month Low | 3.75% | 3.50% |
Adjustments / Mo | 0.26 | 0.17 |
Volatility Score | 0.055 | 0.019 |
How to read these metrics(Click to expand)
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