Quontic Bank vs. Wealthfront
Wealthfront edges out Quontic Bank slightly at 3.95% vs 3.50% APY. On a $10,000 balance, the difference is just $4 per year—so other factors may matter more.
The Bottom Line
The Quontic Bank and Wealthfront savings accounts are very similar. Choose Quontic Bank if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you want Zelle for quick transfers.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Quontic Bank's 3.50% rate has no scheduled drop, though all rates are subject to change.
| Metric | Quontic BankHigh Yield Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 3.50% | 3.30% - 3.95% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$173 $10,000+$346 $25,000+$866 |
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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| 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. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 3.95%, making it the winner in this comparison. This account is online-only, requires no minimum deposit, and has no maintenance fees, providing a straightforward option for savers. After an initial promotional period of three months, the APY will adjust to 3.30%. In contrast, Quontic Bank features a High Yield Savings account with a solid APY of 3.50%, also online-only, requiring a minimum deposit of $100 but with no maintenance fees. Both accounts are FDIC-insured, ensuring a level of security for depositors.
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?
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Wealthfront?
- ✓Higher potential APY (3.95% vs 3.50%) for a duration of 3 months
— Key Feature Differences —
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $4 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.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Quontic Bank vs. Wealthfront Savings Calculator
You earn $2.5 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: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
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 $345 per year in interest.
Both Quontic Bank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Quontic Bank | Wealthfront |
|---|---|---|
| APY | 3.50% Verified: 2/21/2026 ↘︎ 0.25%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | High Yield Savings | Cash Account |
| 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. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| 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 3.95% for 3 months, after which the 3.30% 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% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.1 | -8.6 |
Days Since Change | 53 | 22 |
3-Month High | 3.75% | 4.15% |
3-Month Low | 3.50% | 3.90% |
Adjustments / Mo | 0.30 | 0.60 |
Volatility Score | 0.034 | 0.028 |
How to read these metrics(Click to expand)
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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 Synchrony Bank | 3.50% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |