Quontic Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Quontic BankHigh Yield Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.50% | 3.25% - 3.90% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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 Quontic Bank vs. Wealthfront
As of Quontic Bank offers an APY of 3.50% for its High Yield Savings account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Quontic Bank pays $9 more than Wealthfront on a $10,000 balance after one year. Quontic Bank pays $350, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Quontic Bank.
Why Quontic Bank?
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 3.50%) for a duration of 3 months
— Key Feature Differences —
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $9 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Quontic Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Wealthfront offers a Cash Account with a competitive APY of 3.90%, making it the winner in this comparison. This account requires no minimum deposit or balance, and it has no maintenance fees, providing simplicity for users. However, after three months, the APY adjusts to 3.25%. Quontic Bank's High Yield Savings account follows with an APY of 3.50%, also with no direct deposit requirement and a minimum deposit of $100. Both accounts are online-only and FDIC-insured, but Wealthfront's promotional rate gives it a slight edge.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Quontic Bank vs. Wealthfront Savings Calculator
You earn $7.5 more with Quontic Bank than Wealthfront 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.
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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Quontic Bank | Wealthfront |
|---|---|---|
| APY | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | High Yield Savings | Cash Account |
| Minimum Deposit | $100 | $0 |
| 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 | iOS4.8 Android4.9 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $1,000/dayDigital-first bank with full native support. | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteGo to Quontic Bank * Secure link to our partner | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | Wealthfront |
|---|---|---|
| High Yield Savings | Cash Account | |
Current APY | 3.50% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.2 | -18.8 |
Days Since Change | 8 | 19 |
2-Month High | 3.75% | 4.15% |
2-Month Low | 3.50% | 3.90% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.025 | 0.030 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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