Quontic Bank vs. Synchrony Bank
Quontic Bank and Synchrony Bank both offer 3.50% APY on their high-yield savings accounts. With identical rates, your choice comes down to other factors like mobile app quality, branch access, or customer service reputation.
The Bottom Line
The Quontic Bank and Synchrony Bank savings accounts are very similar. Choose Quontic Bank if you want Zelle for quick transfers.
| Metric | Quontic BankHigh Yield Savings Feb 21, 2026 | Synchrony BankHigh Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 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 | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Quontic Bank vs. Synchrony Bank
Executive Summary
Both Quontic Bank and Synchrony Bank offer a High Yield Savings account with an APY of 3.50%. Both accounts are online-only, require no minimum balance or maintenance fees, and do not require direct deposit. Quontic Bank has a minimum deposit of $100, while Synchrony Bank has no minimum deposit requirement. Given the comparable APYs and similar features, customers may choose based on their preference for minimum deposit amounts.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Quontic Bank?
- ✓Higher rated Android app (4.8 vs 4.5)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Synchrony Bank?
No distinct advantages found vs Quontic Bank.
Shared Benefits
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Quontic Bank vs. Synchrony Bank Savings Calculator
Both accounts earn exactly the same amount.
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
Synchrony 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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both Quontic Bank and Synchrony Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Quontic Bank | Synchrony Bank |
|---|---|---|
| APY | 3.50% Verified: 2/21/2026 ↘︎ 0.25%90d Change | 3.50% Verified: 2/21/2026 ↘︎ 0.15%90d Change |
| Product Name | High Yield Savings | High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None for banking. Loan offices only. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $1,000/dayDigital-first bank with full native support. | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteGo to Quontic Bank * Secure link to our partner | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | Synchrony Bank |
|---|---|---|
| High Yield Savings | High Yield Savings | |
Current APY | 3.50% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -3.9 |
Days Since Change | 53 | 25 |
12-Month High | 3.85% | 4.00% |
12-Month Low | 3.50% | 3.50% |
Adjustments / Mo | 0.16 | 0.25 |
Volatility Score | 0.032 | 0.040 |
How to read these metrics(Click to expand)
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Comparing against Standard Savings
High Rates (With Checking Bundle)
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More Comparisons
Compare Quontic Bank's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Quontic Bank vs Ally Bank | 3.20% | $0 |
| Quontic Bank vs American Express | 3.30% | $0 |
| Quontic Bank vs Axos Bank | 4.21% | $0 |
| Quontic Bank vs Bank of America | 0.01% | $100 |
| Quontic Bank vs Barclays | 3.85% | $0 |
| Quontic Bank vs Capital One | 3.30% | $0 |
| Quontic Bank vs Chase Bank | 0.01% | $0 |
| Quontic Bank vs Chime | 3.00% | $0 |
| Quontic Bank vs CIT Bank | 3.75% | $100 |
| Quontic Bank vs Citibank | 3.20% | $0 |
| Quontic Bank vs Discover Bank | 3.30% | $0 |
| Quontic Bank vs EverBank | 3.90% | $0 |
| Quontic Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Quontic Bank vs Newtek Bank | 4.20% | $0.01 |
| Quontic Bank vs Openbank | 4.09% | $500 |
| Quontic Bank vs Pibank | 4.60% | $0 |
| Quontic Bank vs SoFi Bank | 4.00% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wealthfront | 3.95% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |