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Account review
Quontic Money Market Account review
Best for: Digital-first savers who want the top MMA yield here.
Quontic's money market account pays 3.90% — the highest MMA rate in our comparison — with a debit card, check-writing, and no monthly fees, for a $100 opening deposit.
How we make money (or don't): BidAsk currently has no affiliate relationships
with these banks and earns no commission if you open an account — the links below go directly
to each provider's own site, except the Marcus savings link, which is a personal referral link:
if you open a Marcus Online Savings Account through it, you earn an extra 1.00% APY for 3 months
(per Marcus's referral terms) and the site's publisher earns the same rate boost on his account.
See our full disclosure.
APY
3.90%
Minimum to open
$100
Minimum to earn APY
$0.01
Monthly fee
$0
FDIC insured
Yes
Access: Debit card + checks
Rate note: Bankrate, APY as of 9/15/2026; Quontic's own disclosures confirm 3.90% across all balance tiers (info as of 9/1/2026).
Standout features
- 3.90% — the top money market yield in this set.
- Debit card, check-writing, Zelle, and bill pay included.
- No monthly or overdraft fees; interest compounds daily.
Honest drawbacks
- $100 minimum to open — the only minimum in the MMA table.
- Digital-only: no branches.
- $5 dormant-account fee; can't deposit cash.
Open an account at Quontic Bank →
Link goes directly to Quontic Bank's own site. Rates verified November 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Quontic money market (official) (checked Sep 2026)
- Bankrate: best money market rates, Sep 2026 (checked Sep 2026)
Keep comparing
Ally Money Market Account
Best for: Savers who want checks and a debit card with their yield
APY: 3.20%
Sallie Mae Money Market Account
Best for: Check-writers who want a higher MMA yield with no minimums
APY: 3.60%