Quontic Money Market Account review: APY, fees, pros & cons

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. See our full disclosure.

APY

3.90%

Minimum to open

$100

Minimum to earn APY

$0.01

Monthly fee

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 September 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.

Keep comparing

Ally Money Market Account

Best for: Savers who want checks and a debit card with their yield

APY: 3.00%

Sallie Mae Money Market Account

Best for: Check-writers who want a higher MMA yield with no minimums

APY: 3.50%