Frequently Asked Questions

Can’t find what you’re looking for? Please call us at 1-800-908-6600 or send us an email at [email protected].

Are there any fees if I use an ATM when traveling internationally?

Yes. When using an ATM while traveling internationally, our standard fee of $2.75 for using a non-Quontic ATM will apply.

What is the difference between Quontic’s Money Market account and High Yield Savings account?
  Money Market High Yield Savings
Product Description The Money Market account is a savings account that offers a debit card and check-writing privileges. A high-yield savings account allows our customers to earn higher interest than a regular savings account.
Current APY 1.85%*

1.85%* annual percentage yield applies to all balance tiers
$0.01 - $4,999.99
$5,000 - $149,999.99
$150,000.00+
 1.85%*
 Minimum Deposit $100.00 $100.00
Withdrawal & Transfer out Limit 6 withdrawals / transfer out monthly

There is a $10.00 excess transaction fee for every transaction and withdrawal over the allotted six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle.
6 withdrawals / transfer out monthly

There is a $10.00 excess transaction fee for every transaction and withdrawal over the allotted six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle.
ATM Access Yes, customers can request a Debit Card Yes, customers can request an ATM card
Check Writing Yes, Options Checks are not an option for our savings account
Fees No Monthly or Overdraft fees
*Other fees may apply
No Monthly or Overdraft fees
*Other fees may apply
FDIC Insurance Available on eligible accounts Available on eligible accounts
Zelle Yes Not available for HYS
Quontic Ring Yes, customer can order a Quontic Ring Not available for HYS
Mobile Deposit Yes Yes
Bill Pay Yes Not available for HYS

*Rates may change without notice. Fees could reduce earnings. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is as of July 13, 2022.

How do I set up service alerts?

To set up service alerts, simply click on the ‘Service Alert’s tab at the top of the screen. Please keep in mind that mandatory alerts cannot be deleted.

Here are a list of service alerts you can set up in online banking:

  • Address Changed
  • Email Address Changed
  • Forgot Username Attempt
  • New Secure Message
  • Password Changed
  • Password Reset Attempt
  • Phone Number Changed
  • Session Activity Email
  • Sign On Attempt Failed
  • Username Changed

  1. To set up one of these alerts, you will click on the box with a pen icon. This will prompt a drop down.
  2. You will have the option to select how you would like to have the alert delivered to you. It can either by to your primary email, secondary email or via SMS(text).
  3. To save the alert, select the ‘update’ button.
  4. You will know the alert has been saved because a green circle with a check mark stating “Alert On” will appear.
How do I set up account alerts?

To set up account alerts, first log in to Online Banking

  1. Click the Self Service tab, and select ‘Alerts’
  2. You will automatically be taken to the ‘Account Alerts’ tab. If you have multiple accounts, you can select which account you would like to set the alert for by clicking the drop down.
  3. To set up either an account transfer alert, balance alert, or stop pay alert, you will click on the box with a pen icon. This will prompt a drop down.
  4. To turn on any of the alerts offered, you will click to toggle so it changes to ‘Yes’ with a checkmark.
  5. Depending on the alert you select, you can customize it by frequency, threshold amount and how you would like to receive the alert, either by email or text.
  6. Once the alert is customized to your choosing, you will need to select the ‘update’ button to save all your changes.
  7. Once saved, the main alert screen will inform you if you have an alert on and how many of the alerts are enabled. Check marks indicate a subscribed alert. Mandatory alerts cannot be deleted.
What browsers are compatible with the new upgrade to online banking?

If you’re seeing a blank white screen once they have logged in to the upgraded online banking, it could be because you are using Microsoft Internet Explorer® as your internet browser. Microsoft Internet Explorer is not supported by the upgraded online banking. Try one of following supported browsers instead: Microsoft Edge, Google Chrome™, Mozilla® Firefox® , or Apple Safari®.

What will I see when I log in for the first time after the upgrade?

When you first log in, you will see a more updated look and feel to your online banking! All linked external accounts, bill pay payees and transaction history will transfer over so there is nothing you will need to do for this upgrade. Please keep in mind that the online banking functionality will remain the same.

Why don’t I see Calculators under the Tools menu?

Calculators are no longer a supported feature in the upgraded online banking. However, you can utilize Quontic’s financial calculators by going to https://www.quontic.com/financial-tools-and-calculators. With these helpful banking and home financing tools, customers can be empowered to make the personal finance decisions that work best for them.

Can I alter the way my accounts are displayed?

Yes, upon first log in your accounts will display in a tile format, like the image shown in the answer to “What will I see when I log in for the first time after the upgrade?” FAQ. However, by clicking the ‘list view’ button you can change the way your accounts are displayed to look like below.

Will I be forced to change my password with the upgraded online banking?

No, your password will carry forward. However, you will be prompted to update your password if it matches your username or contains your first, middle, or last name in forward or reverse order.

Will my linked external transfer accounts pull over into the new upgrade?

Yes, your linked external accounts and history of transfers will still display in the new upgrade.

Will my Bill Pay payees transfer over into the new upgrade?

Yes, your Bill Pay payees will still display, as well as history of bill payments.

What is Zelle®? Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S.—typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank*. Ask your recipient to enroll with Zelle® before you send them money — this will help them get your payment more quickly. *A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
How do I get started? It’s easy. Zelle® is already available within our Quontic Mobile App! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today. We recommend you enroll before someone sends you money—this will help you get your first payment faster. You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
How do I open a High Yield Savings account? You can securely open your new account online in less than 3 minutes by visiting https://www.quontic.com/high-yield-savings/.
Will my Personally Identifiable Information (PII) be compromised through this program?

Although there is always a risk to online accounts, both Quontic and NYDIG take your privacy and the security of your PII seriously. Both institutions have designed their systems and policies and procedures to prevent the compromise of any PII. 

Is my information secure?

Keeping your money and information safe is a top priority for Quontic. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

What is Card Control?

Card Control is a service available to our customers that allows you to control your Quontic card through your mobile app! You may choose to block all transactions, set threshold amounts, or block certain merchant categories.

How do I get started?

Within the mobile app, select ‘More’ on the taskbar at the bottom of the screen. After selecting ‘Card Controls’, you will see your enrolled card(s). From this point, you can begin managing your transaction settings.

What do I need to open a High Yield Savings account? "To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number to allow us to identify you. We may also ask for a valid government-issued ID. You must be a U.S. Citizen and 18 years or older to open an account."
How do I open a Money Market Account?

You can securely open your new Money Market Account online in less than 3 minutes by visiting https://www.quontic.com/money-market-account/.

Does Quontic have any branch locations?

No, Quontic operates as a national, digital bank which allows us to pass on the overheard cost savings from operating an expensive network of branches on to our customers in the form of lower fees, better rates and higher rewards.

Where is Quontic headquartered?

Quontic is headquartered in Manhattan at One Rockefeller Plaza, New York City.

When did Quontic start?

In late 2009, entrepreneurs Steve Schnall and George Lazaridis acquired a small troubled bank in Great Neck, New York with a vision to build a unique branchless digital bank that provides mortgage financing to those overlooked by other banks. They rebranded the bank to Quontic and set out to disrupt old school ways of banking.

Are my deposits with Quontic FDIC insured?

Yes. Quontic is a Member FDIC. FDIC insurance is applicable to eligible deposit accounts and up to the maximum allowed by law. Learn more at FDIC: Deposit Insurance

How is my personal information used?

Your information is securely stored on your account and customer records once your new account is opened. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account.

Do I have pay mortgage insurance for a VA loan?

No, Private Mortgage Insurance isn’t required for a VA loan but there is an up-front funding fee.

What are the advantages of a VA loan?

VA loans offer little to no down payment, usually better terms and interest rates, no need for Private Mortgage Insurance (PMI) or mortgage insurance premiums, usually better closing costs, and no penalty fee if you pay the loan off early.

What are the requirements for VA loans?

VA loan requirements include, but are not limited to, providing a VA home loan Certificate of Eligibility (COE), meeting the standards for credit and income and living in the home you’re buying with the loan.

How much of a down payment do I need for a VA loan?

Depending on the applicant, a VA purchase loan may require little to no down payment.

How much of a down payment do I need for an FHA loan?

Potential homebuyers can get an FHA home loan with as little as a 3.5% down payment.

Who can qualify for an FHA loan?

FHA home loans may be for any financially qualified borrower. Some of the important factors include your credit history and FICO scores in order to secure the minimum down payment of 3.5%.

Is an FHA loan a good option for first-time homebuyers?

FHA loans are extremely popular with first time homebuyers who may not have saved enough for a large down payment.

What are the advantages of a mortgage refinance?

There are many advantages to mortgage refinancing. Borrowers are able to take advantage of their home equity, get a different type of loan, secure a lower interest rate, or even lower their monthly payments. Additionally, it is a great way to help consolidate any outstanding debt, upgrade your kitchen or bathroom, or shorten your 30-year mortgage substantially. Whether you’re looking to eliminate PMI, pay less money each month on your mortgage payment or secure a fixed-rate mortgage, there are endless advantages to getting a refi. In general, homeowners use refinancing as a way to better their financial situation.

What’s a mortgage refinance?

A mortgage refinance happens when homeowners seek out a new home loan in order to replace their current loan. The reasons why vary from homeowner to homeowner, but traditionally the end goal is to save money on your monthly mortgage payment.

Why should I get my mortgage through Quontic Bank?

At Quontic, you’re more than just a loan application. We value all our customers’ diverse situations and embrace them with specialized mortgages made to fit their needs. Plus, in addition to being registered to lend in all 50 states, we offer a diverse and multi-lingual sales team, an experienced Mortgage Specialist at every step and convenient and helpful customer service.

What are the current mortgage rates?

Mortgage rates can change every day. For the most current rates, please provide your contact information and we’ll have a mortgage specialist contact you.

Why is it important to get pre-qualified for a mortgage?

Getting pre-qualified for a mortgage helps you understand how much home you can afford and shows that you are a serious buyer. It also helps you find a lender that can work with you to select the right home loan with an interest rate that fits your needs.

What is Private Mortgage Insurance (PMI)?

Private Mortgage Insurance, or PMI, is an added insurance policy for homeowners who have a down payment that is less than 20%. PMI protects the lender if the borrower is unable to pay their mortgage. This insurance is not forever. It will either end automatically when a mortgage’s principal balance reaches 78% of the original appraised value of the home or the borrower can ask the lender for a new appraisal to validate that they have built at least 20% equity in their home.

How much home can I afford?

Many experts recommend that your housing costs — including mortgage, taxes and insurance — should be no more than 28% of your monthly income. However, this rule of thumb may not work for everyone. To figure out how much you can afford to spend on a home, consider your household income, monthly debts and the amount you plan to use for a down payment.

What’s the difference between FHA and Conventional loans?

FHA loans and Conventional loans differ on several factors including lower down payment and the credit score requirements to qualify. Conventional loans typically require higher FICO scores and a minimum 20% down payment.

What is an FHA Mortgage?

FHA loans are known to be a flexible lending option. Suitable for first-time buyers, FHA loans have more flexible qualifications than conventional loans.

Why does my Card Alert show in Central Standard Time (CST) when I am in a different time zone?

The server that pushes the card alerts to your mobile device is located in CST.

Will an alert be sent to me even if I am not logged in to Online or Mobile Banking?

Yes, as long as you have enabled Card Alerts you will receive a push notification.

Can I customize what alerts I receive?

Yes, you can choose which merchants or transaction type alerts you receive. You can also customize a threshold amount that will send an alert if you exceed the specified amount.

How do I set up notifications for my debit card?

Within the mobile app, select ‘More’ on the taskbar at the bottom of the screen. After selecting ‘Alerts’, you can customize what Card Alerts to receive within our mobile app.

I received a new card. Will it be automatically added in Card Control?

Yes, your new card will be automatically added in Card Control. However, you will need to set new controls for the card.

Can I set spending limits?

Yes. If your card is enabled, select ‘Threshold Amount’ and toggle the control so it is green. From you here you easily set a limit so transactions will be declined if they are over an amount specified by you.

How can I tell if my card is on or off?

On the main screen of Card Controls, you will see ‘On’ or ‘Off’ next to the last four digits of your card. If you click on your card, card status is indicated by the color. Green indicates your card is on and can be used, and grey indicates your card is off and cannot be used.

Is there a fee to use Card Control?

No! This new feature is available in our mobile app for our customers. Please note that your mobile carrier’s data fees may apply.

Can I block transactions by location? Including International?

Yes. Through location controls you can establish three regions where the card can be used. When enabled, any card activity from outside of the established region will be denied. You can also enable a block on any international transactions however, enabling ‘Block international’ will disable any previously set region specific transaction controls.

Can I block certain merchants?

Yes. Select ‘Merchant Types’ and there are several merchant categories to choose from such as department stores, gas stations, groceries, and more. Here you can opt to decline transactions from the specified merchant.

How is the interest on my Money Market Account calculated?

Interest is compounded daily based on your posted account daily balance.

Does the Money Market Account come with a Debit Card?

Yes, you can get a debit card for your Quontic money market account.

How do I open a Money Market Account?

You can securely open your new Money Market Account online in less than 3 minutes by visiting https://www.quontic.com/money-market-account/.

Is there a minimum opening deposit?

Yes, the minimum amount to open a Money Market Account is $100.

When is interest paid?

Interest is credited to your account every month at the end of your statement cycle.

How do I fund my account?

To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.

Is there a minimum opening deposit?

Yes, the minimum amount to open a High Yield Savings account is $100.

How is the interest on my High Yield Savings account calculated?

Interest is compounded daily based on your posted account balance.

What perks come with being a Quontic member?
  • Lock and unlock your debit card at any time
  • 90,000+ surcharge free ATMs
  • Savings made simple (roundup)
  • Automatic bill pay
  • Mobile check deposit
  • Free Mastercard Debit Card
  • Load your card to your digital wallet for Apple Pay, Google Pay and Samsung Pay
  • Mastercard Zero Liability Protection and ID Theft Protection
  • Mastercard Airport Concierge
  • 24/7 Access via online and mobile banking
  • 0 monthly service fees
Can I add money to my account?

Yes! You can easily add money to your account through remote check deposit via our convenient Mobile App, by setting up direct deposit from your work, by mailing a check, depositing money via ACH, or by wire.

Can I take money out of my account?

Yes, you can spend your money like any other checking accounts. You will be able to sign up for Online Banking, Mobile Banking and be provided with a Quontic Debit Card.

When do I get my reward?

Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.

How do I get cash back?

Just use your Quontic Debit Card for everyday Qualifying Point of Sale (POS) purchases! Qualifying point of sale (POS) debit card transactions shall receive 1.50% cash back that post and settle to the account each statement cycle. The following activities are not considered POS debit card transactions and do not count toward earning rewards: ATM - processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account.

Is there a minimum to open a Cash Rewards Checking Account?

You can open an account with as little as $100.

How do I open a Cash Rewards Checking Account?

You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/cash-rewards-checking/.

Are there ATM Fees?

You won’t have to pay ATM fees when you use your Quontic Debit Card at any AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.

In case I need cash, what ATMs can I use?

We have a network of over 90,000 Surcharge free at any participating AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K. Check out our ATM Locator.

What should Zelle® be used for?

Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor. If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle® for these types of transactions. These transactions are potentially high risk.

Zelle® should only be used to send money to friends, family, and others you trust. Zelle® does not offer a protection program for any authorized payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Quontic does not offer a protection program for any authorized payments made with Zelle®.

Can I change or cancel a Zelle® payment once I have sent it?

Payment amounts made with Zelle® cannot be changed once the payment has been sent. You can only cancel a payment if the recipient hasn't yet enrolled with Zelle®, in which case you can access Zelle® in the Quontic mobile app, select the payment you want to cancel and then select "Cancel This Payment". If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient's bank account and cannot be cancelled.

If you aren't able to get your money back, call our customer support team at 1-855-226-5287 so we can help you. We recommend you don't use Zelle® to send money to people you do not know. If you sent money to the wrong person and the payment cannot be cancelled, we recommend contacting the recipient and requesting the money back. If you have requested money from someone and they have already sent it to you, you will not be able to cancel the request.

Is there a limit to how much money I can send with Zelle®?

Yes, the maximum transaction limit is $500 and maximum allowed for total transactions per day is $1,000.

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into our Quontic mobile app and select "Send Money with Zelle®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're finished.

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile phone number), add the amount you'd like to send, and an optional memo, review, then hit "Send". In most cases, the money is available to your recipient in minutes.*

To request money using Zelle®, choose either "Request", if there is just one recipient, or "Split", if there are multiple recipients, select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"**. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

**Payments requested to persons not already enrolled with Zelle® must be sent to an email address.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient's bank isn't on the list, don't worry! The network of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Want to make an external transfer through Online Banking?

New customers will not have access to the external transfer feature in online banking for the first 30 days. Once it has been 30 days, please call 800-908-6600, or email us at [email protected] to request access.

What is an external transfer?

Quontic may make it possible for a customer to initiate and conduct external transfers through Quontic online banking with limitations. A transaction is considered an outbound external transfer if funds are transferred out of your Quontic Bank accounts into your Non-Quontic Bank Accounts. Once you have access to external transfers, you can link your non-Quontic Bank accounts by inputting your account and routing number, and verifying two micro deposits.

I have been a Quontic customer for less than 30 days. How can I get access to my funds?

When you have successfully opened an account at Quontic, you can opt in to receive a debit card or ATM card, depending on the product you selected during account opening. You will also have access to Zelle® in our mobile app. Lastly, if you initiate the transfer from your other banking institution, whether you are pulling funds from your Quontic account or sending to it, our limits do not apply. Once you have been a customer at Quontic for 30 days or more, please send a secure message through your Online Banking Account through Self Service > Secure Messaging requesting to enable the external transfer feature.  You can also email us from the email we have on file with the same request at [email protected].

What if I want to transfer more than Quontic’s limits allows?

These transfer limits only apply if the transfer is initiated through Quontic’s online banking. Our external transfer limits do not apply if the transfer is initiated through your other banking institution.

What are my daily and monthly external transfer limits at Quontic?

The maximum daily transaction limit is $2,000, and the maximum monthly limit is $10,000.

Do I have to have a Quontic Bank account to get a Ring?

Yes- you must have a Quontic Bank Checking account to order a ring.

Can my Ring be associated with my Quontic Bank Account if I already have a debit card associated with that account?

Yes. You can use your Ring and your Debit Card with the same account.

How strong is the Ring?

Your Ring has been designed to be resistant to scratching and proven to be more resilient than certain precious metals of equivalent thickness. It’s still precious, so please treat it as such.

What is Quontic’s routing number?

Quontic's routing number is 021473030.

How do I add a beneficiary to my account?

First, you will need to log onto your Online Banking. Click on Self Service and then Secure Messaging. Once on the new page, you will click on the Service Requests tab and you will find the option to add a beneficiary. Please include the full beneficiaries name in the text box.

How often does it need to be charged?

Everyone likes good news right? Your Ring NEVER needs to be charged…. EVER! You can wear your Ring all day and all night, so it’s always to hand to make those important payments even when other devices have run out of battery.

What are the technical requirements for Online Banking? Windows 10
  • Microsoft Edge 81
  • Google Chrome 81
  • Mozilla Firefox 76
MacOS Catalina 10.15.3
  • Safari 13.0.5
iOS 13.3.1 (iPhone 8)
  • Safari 13.3.1
iOS 13.3.1 (iPhone X)
  • Safari 13.3.1
iOS 13.3.1 (iPad Pro)
  • Safari 13.3.1
Android 10 (Google Pixel2)
  • Google Chrome 79
Can I wear it in the shower or when swimming?

The Ring is waterproof to 50m, so perfectly able to withstand swimming, bathing or washing up.

How do I access my secure email?

To sign in to your secure email for the first time, please follow the below steps.

encrypted-message-received

After clicking ‘View Encrypted Email,’ you will be directed to Proofpoint website.

Enter the same email address where you received the Proofpoint email.

Click ‘CONTINUE’

proofpoint-site

Then you will need to register with proofpoint.

Enter your name, password, check the ‘I agree’ box and then ‘Register’

 

proofpoint-register

After registering, Proofpoint will send you an email to complete your registration.

 

proofpoint-registration-verification

Proofpoint sends you this email after you complete the registration form.

Click on the ‘Confirm’ button to continue.

 

proofpoint-verification-email

After clicking ‘Confirm’, you will be directed back to the Proofpoint website telling you your registration was successful.

Click ‘Continue logging in’

 

proofpoint-registration-successful

You will then enter the email you used to register and click ‘CONTINUE’

 

proofpoint-enter-email

After entering your email, enter the password you created during proofpoint registration and click ‘Sign in’

 

proofpoint-enter-password

After successfully signing in, you will see the secure Quontic email.

Scroll down to the bottom (if your browser is not tall enough), and you will see the secure message.

What if I don’t know my ring size?

During the ring ordering process, you will be asked if you’d like to order a free ring sizing kit. We highly recommend that you choose to order a sizing kit before submitting your ring size. Ring sizes and ring sizers can vary across the industry. Sizing kits are free of charge and help to ensure you get the perfect fit

What is Quontic Mobile Banking? Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to view account balances, search recent account activity, transfer funds between your internal accounts, pay bills, and find our nearest ATM. Also, on the downloadable mobile banking application, you may have the option to deposit checks. Please keep in mind that internal transfers have a maximum limit of $10,000 when using the mobile app.
I ordered a ring sizing kit, now what?

Once you receive your sizing kit in the mail, check your inbox for an email you received when you submitted your request for a ring sizer from [email protected]. It contains a unique link to activate complete your ring order.

Is Mobile Banking secure? Yes, our Mobile Banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access, and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the mobile banking enrollment website or by calling us.
I’ve ordered my Quontic Payment Ring, now what?

Once you receive your ring in the mail, check your inbox for an email you received when you submitted your ring order from [email protected]. It contains a unique link to activate your ring. You will need the activation sticker located on the plastic ring box wrapper. If you have an issue with activating your ring, please call 1-855-226-5287.

I’m not enrolled in Online Banking. Can I still use Mobile Banking? You must first enroll in Online Banking before using Mobile Banking.
What if my Ring doesn’t fit?

If your ring does not fit, please contact customer service at 1-855-226-5287. If the ring fits on another finger than the original finger you intended, we suggest trying it out to avoid the returning process.

How do I sign up for Mobile Banking? You may enroll in Mobile Banking using device enrollment. Please refer to the “Device Enrollment” section within these FAQs.
I’m trying to activate my ring, and it says I need my Activation Code. Where can I find that?

You can locate your activation code on the sticker that is located on the plastic ring box wrapper. If you have an issue with activating your ring, please call 1-855-226-5287.

Which wireless carriers are supported? We support most popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select “Other,” and try the Mobile Web option, or check back later, as new carriers will be added over time.
Where can I use my Ring?

Rings can be used at any payment terminal that accepts contactless payments. Look for the contactless symbol. Please note that there may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead.

How much does Text Banking cost? There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information.
How to physically use your Ring

It's important to use the correct hand gesture when using your Ring at a compatible contactless terminal.

For the terminal to detect your Ring reliably, it is best to use a 'knocking' gesture with your hand. Simply approach the terminal as if you were going to knock on it and hold your fist in position until you see the confirmation of payment or hear the confirmation beep.

Here's a quick visual guide on the correct hand gesture to use when making payments with your Ring.

What is the difference between activation for Text Banking and device enrollment for Mobile Banking? Activation is a registration process that helps ensure your security. There are two methods for enrollment: activation code for Text Banking and device enrollment for mobile banking. Activation Code After you enroll a device for Text Banking, you will receive an activation code which will be required to begin using Text Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation. Device Enrollment You enroll via the device using security questions. Please refer to the "Device Enrollment" section within these FAQs. Note: Text Banking enrollment requires following the activation code method.
Will I have a PIN Associated with my ring?

Yes, once you activate your ring you can create a four digit PIN. You may also use the same PIN for your Quontic debit card once it is activated.

How do I access Mobile Banking on my device’s browser? After successful enrollment via activation code, you will receive a text message with your Mobile Banking URL.
Does my Ring have a card number associated with it?

The ring has a card number in the system but is not shared with the customer. If you need to make an online purchase that requires a full card number, we suggest you use your Quontic Bank debit card.

How do I navigate Mobile Banking links with my mobile device’s browser? To navigate, access the menu and choose an option.
Can I use the card controls feature in the mobile app for the ring?

 Yes, you will have the ability to enable/disable the Ring, set transaction limits or merchant restrictions. You will need to add your ring by going to Card Controls -> Add in your Quontic Mobile App. Please note that your ring will be listed as a Debit Card.

Is Mobile Banking supported on my device? Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on iPhone and Android smartphones and on iPad and Android tablets. Both mobile web and mobile applications may be found by entering the Mobile Banking URL in your device's browser.
What if my Ring is lost or stolen?

Please contact customer service at 1-855-226-5287. If you have the Quontic Bank Mobile App, you can also use Card Controls to turn your ring ‘off’ to ensure no unauthorized purchases occur. To add your ring to Card Controls, go to Card Controls -> Add in your Quontic Mobile App. Please note that your ring will be listed as a Debit Card.

How do I download my Mobile Banking application?

For iPhone or iPad:

  • Navigate to the App Store
  • Search for Quontic Bank
  • Select "Get" to download the application

For Android:

  • Navigate to the Google Play Store
  • Search for Quontic Bank
  • Select "Install" to download the application


For Kindle Fire:

  • Navigate to the Amazon Appstore and select Kindle Fire Apps
  • Search for Quontic Bank
  • Select "Install" to download the application
Do Pay Ring transactions count towards my interest or rewards earned?

Yes, transactions using the Pay Ring do count towards the interest or rewards you earn just like debit card transactions.

Is Mobile Banking supported on my tablet? The same mobile app that runs on your phone will run on your tablet. In some cases, a tablet-optimized Mobile Banking application may be available for your tablet.
How much can I spend using the Ring at a contactless retailer?

The same daily limits for your debit card apply to the Ring.

I tried to use my ring at a terminal and received, “card reader error,” what should I do?

Be sure that the terminal accepts contactless payments. Sometimes, you may need to try to tap the ring a few times before the terminal gets a good read. There may be instances where a terminal is unable to accept the Ring as a payment device – just like some contactless terminals can’t read a debit card and ask that you use chip instead. We always recommend you bring a second method of payment, like your Quontic Bank Debit Card, in case there is a terminal read error.

Does Quontic offer Business Accounts?

At this time, Quontic does not offer any business accounts.

Who is NYDIG?

NYDIG offers a full suite of digital asset services to premier institutions and sophisticated investors, including asset management, brokerage services, private wealth management, and white label solutions. By opening a Quontic Bitcoin Rewards Checking account, an account at NYDIG is also opened for you to store your purchased bitcoin.  

Do I need to open an account or “Bitcoin Wallet” at NYDIG?

When you open a Bitcoin Rewards Checking account with Quontic you are also agreeing to open an account with NYDIG (NYDIG | Accelerating the Future of Finance) to hold Bitcoin that is purchased for you. This will happen automatically when you open your Bitcoin Rewards Checking account. [Note: Certain institutions and individuals who hold large Bitcoin balances may also have separate NYDIG accounts]

How do I open a Certificate of Deposit (CD)? You can securely open your new CD account online in less than 3 minutes by visiting https://www.quontic.com/certificates-of-deposit.
Is bitcoin rewards checking available in all 50 states? Due to current NYDIG licensing your primary address must be in one of the following states to open a bitcoin rewards account. NYDIG will be adding additional states in the future.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Puerto Rico
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Does Quontic have any branch locations?

No, Quontic operates as a national, digital bank which allows us to pass on the overheard cost savings from operating an expensive network of branches on to our customers in the form of lower fees, better rates or higher rewards.

Does Quontic offer Business Accounts?

At this time, Quontic does not offer any business accounts.

What do I need to open a Certificate of Deposit (CD)? When you open a Certificate of Deposit, we will ask for your name, address, date of birth, social security number to allow us to identify you. We may also ask for a valid government-issued ID. There is a minimum of $500 to open. You must be a U.S. Citizen and 18 years or older to open an account.
Is there a fee to redeem my bitcoin?

NYDIG charges a 2% fee to redeem your bitcoin into cash. This will be deducted from the proceeds of the redemption before NYDIG transfers the proceeds to your Bitcoin Rewards Checking account with Quontic. Quontic does not charge any additional fees to redeem your bitcoin.

Where can I get a copy of account disclosures?

Disclosures are available for review and print at the time of account opening.  Should you require additional copies , please reach out to Customer Service.

Can I purchase more bitcoin from NYDIG?

No, you cannot purchase additional bitcoin from NYDIG related to your Quontic Bitcoin Rewards Checking account.

How do I view my bitcoin balance? The amount of bitcoin you own will be available on your NYDIG monthly bitcoin rewards statement that will get emailed to you via secured email through Proofpoint. Your bitcoin rewards statement is separate from your checking account statement. We recommend you save these statements.
What is Quontic Text Banking?

Text Banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending text commands to the Quontic shortcode: 49794.

To enroll in text banking, you must be logged into Online Banking on the Quontic website. Then navigate to Self Service > Alerts > Go to mobile banking and follow the instructions.

Text-Banking-OLB

Once registered, you can text HELP to 49794 for more information and commands. Message and data rates may apply (Check with your mobile carrier).

Do I need to verify my income for a Community Development loan?

Depending on which loan program you qualify for, a statement of income may not be required.

How much of a down payment do I need for a Community Development loan?

Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.

Do I need tax returns to qualify for a Community Development loan?

No tax returns or W2s are needed to qualify for our Community Development Loans.

Are gift funds accepted for a Community Development loan?

Yes, Quontic accepts 100% Gift Funds for down payment, closing costs, and reserves.

How do I get started with a Community Development loan?

The first step to getting pre-qualified for a CDL loan is to Speak To a Quontic Mortgage Expert.

How do I endorse my check for mobile deposit? You should sign your check with the following endorsement:
  • For mobile deposit only at Quontic
  • Your account number
  • Your signature
How do I redeem my bitcoin rewards for cash?

To redeem your bitcoin for cash, submit the request using the Bitcoin Rewards Redemption form, found in the Online Banking website under Self Service > Forms.

On a daily basis, you may redeem your total bitcoin rewards balance as of the end of the prior business day. All requests for redemption must be received by 3:00 p.m. Eastern Time on a business day.

After you request the redemption of all the Bitcoin Rewards in your NYDIG Account, you may not cancel the redemption request at any time.

The proceeds of a redemption, less a fee of 2% of the proceeds (Redemption Fee), will be delivered to your Bitcoin Rewards Checking Account within five (5) business days of execution of the redemption.

Please note that, due to significant fluctuations in the price of Bitcoin and because the redemption will be executed on the business day after the business day of the request, your Bitcoin Rewards may be redeemed at a price that is different from the price of Bitcoin at the time you make a redemption request.

How do the Bitcoin rewards accrue?

On a daily basis, 1.5% of each Qualified Point of Sale (POS) purchase with your Quontic debit card will accrue in US dollars and then be used to purchase Bitcoin on your behalf on the following business day at 4pm London Time. As long as you continue to make qualifying purchases with your Quontic debit card, each daily bitcoin purchase will be added to your balance in your NYDIG account until you decide to redeem it.

Please note that a POS debit card transaction MUST post and settle on your account to be a Qualifying POS Debit Card Transaction. Transactions may NOT be in a pending status to be a Qualifying POS Debit Card Transaction. 

Are my bitcoin rewards taxable?

There may be a tax liability associated with your sale or transfer of bitcoin. However, the receipt of bitcoin rewards received from Quontic Bank in exchange for eligible debit card transactions is not taxable to you. Please consult with your tax advisor for information specific to your circumstances.

How do I maintain my rewards program status once I enroll?

As long your Bitcoin Rewards Checking account is open and has a positive balance, your purchased bitcoin with be maintained in your NYDIG account and each Qualified Point of Sale (POS) purchase with your Quontic Debit card will accrue and be used to purchase bitcoin on the following business day.

How do I fund my Certificate of Deposit (CD)?
To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.
How much is bitcoin worth?

The dollar to bitcoin value fluctuates and the market price is based on an exchange price.

How do I view my bitcoin rewards statement for the first time?

At the beginning of the month following the month you opened your account, you will receive an email from Proofpoint notifying you that you have an encrypted email with your Bitcoin Rewards Statement.

 

After clicking ‘View Encrypted Email’ you will be directed to Proofpoint website.

Enter the same email address where you received the Proofpoint email.

Click ‘CONTINUE’

 

Then you will need to register with proofpoint.

Enter your name, password, check the ‘I agree’ box and then ‘Register’

 

After registering, Proofpoint will send you an email to complete your registration.

 

Proofpoint sends you this email after you complete the registration form.

Click on the ‘Confirm’ button to continue.

 

After clicking ‘Confirm’ you will be directed back to the Proofpoint website telling you your registration was successful.

Click ‘Continue logging in’

 

You will then enter the email you used to register and click ‘CONTINUE’

 

After entering your email, enter the password you created during proofpoint registration and click ‘Sign in’

 

After successfully signing in, you will see the secure Quontic email.

Scroll down to the bottom (if your browser is not tall enough) and you will see the Bitcoin rewards statement attachment.

Click on the blue download icon to download the statement.

 

After downloading, when you open the PDF, you should see the NYDIG bitcoin rewards statement.

How do I view my bitcoin rewards statement after the first time? At the beginning of the month you will receive an email from Proofpoint notifying you that you have an encrypted email with your Bitcoin Rewards Statement. After clicking "˜View Encrypted Email' you will be directed to proofpoint website. Enter the same email address you used to register for proofpoint the first time. Click "CONTINUE" After entering your email, enter the password you created during proofpoint registration and click "Sign in" After successfully signing in, you will see the secure Quontic email. Scroll down to the bottom (if your browser is not tall enough) and you will see the Bitcoin rewards statement attachment. Click on the blue download icon to download the statement. After downloading, when you open the PDF, you should see the NYDIG bitcoin rewards statement. We recommend saving these statements.
How can I use bitcoin purchased through the Bitcoin Rewards Checking program?

Bitcoin earned in this program has to be redeemed for cash in order to use it.

Does a bitcoin rewards checking account earn interest?

No, this is a non-interest-bearing account.

Do I need to maintain a certain amount of money in my account to be eligible for Bitcoin rewards?

No, you do not need to maintain a minimum balance.

Do I get a debit card with a bitcoin rewards checking account? Yes, you can opt in to receive a debit card after opening and funding your account.
Can my account be hacked since it is linked to Bitcoin?

Although there is always risk to online accounts, NYDIG has a highly secure, well regulated, audited and cold storage custody solution which has passed stringent diligence tests and follows best practices in terms of cybersecurity and employs defense in depth to keep your bitcoin rewards safe.

Can I transfer or sell my bitcoin to others?

No, the bitcoin rewards earned by this program are non-transferrable.

Can I have a joint account owner on my bitcoin rewards account?

At this time, we are not offering joint account owners for bitcoin rewards checking.

Can I earn bitcoin rewards through my other Quontic accounts?

No, only the bitcoin rewards checking account will earn bitcoin.

Who are the bitcoin miners?

Miners perform the vital function of securing and propagating Bitcoin blockchain. In return for fees, miners write new data, in the form of transactions, into the blockchain and find new blocks with which to add to the blockchain. The computational resources miners expend ensure Bitcoin’s blockchain is not subverted by nefarious actors who wish to spend bitcoins more than once.  

What is the security protocol for digital assets?

Your bitcoin rewards are kept within NYDIG secure custody solution which is regulated, audited and 100% of the assets are kept in cold storage which means they are never kept on devices which connect to the Internet.  In building the Bitcoin Rewards Checking program Quontic evaluated many cryptocurrency companies and selected NYDIG, among other reasons, for its secure custody solution.

What is bitcoin?

Bitcoin is a digital currency created in 2009 that enables payments to network participants anywhere in the world. Bitcoins are kept on a public ledger that everyone has transparent access to, are not issued or backed by any government or bank and are not legal tender. For more information: https://www.investopedia.com/terms/b/bitcoin.asp

Is bitcoin secure?

Bitcoin is based on well-defined technologies and secured by billions of dollars of capital. It uses public key cryptography and cryptographic hash functions, technologies pioneered by the National Security Agency (NSA). Proof-of-work ensures that large amounts of computational resources are required to subvert the network. Bitcoin is still nascent and ever changing, however, and bugs in the code have been found throughout its history, particularly early on in its life. 

The Bitcoin Rewards and/or digital assets maintained in your NYDIG Account are not "deposits" within the meaning of U.S. federal or state banking law. Balances of Bitcoin Rewards and/or digital assets in your NYDIG Account are not subject to Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) protections. Neither NYDIG nor the Bank maintains insurance that covers the theft or loss of your Bitcoin Rewards and/or digital assets held in custody by NYDIG.

Is bitcoin legal?

Yes, Bitcoin is legal. No U.S. state or federal regulatory authority or government has indicated that it is illegal. In fact, many have spoken about the exciting innovation possible with digital assets as long as the risks are controlled.

Is bitcoin a vulnerable asset?

Bitcoin was designed with robustness in mind. It does not require or permit a central coordinating entity, it relies on a network of peers, and available for anyone one to use. Potential vulnerabilities include concentration of mining pools, geographic location of miners, which are mostly in China, and novelty with its code. However, Bitcoin has been around for nearly 12 years and has been tested under a variety of technology, economic concentration, and regulatory scenarios.

The Bitcoin Rewards and/or digital assets maintained in your NYDIG Account are not "deposits" within the meaning of U.S. federal or state banking law. Balances of Bitcoin Rewards and/or digital assets in your NYDIG Account are not subject to Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) protections. Neither NYDIG nor the Bank maintains insurance that covers the theft or loss of your Bitcoin Rewards and/or digital assets held in custody by NYDIG.

How does bitcoin work?

Bitcoin is a peer-to-peer digital currency technology that relies on public key cryptography and proof-of-work to process and verify payments. Payment transactions are broadcast by users and included into Bitcoin’s blockchain by miners. Bitcoin requires no central coordinating entity and can be run by anyone around the world.

Can I take money out of a savings account? Yes! However, if you’re taking money out of your Quontic Money Market or High Yield Savings account, you may make no more than six pre-authorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. You will be contacted in the event you exceed the transaction limitations and your account may be changed due to a transactional account.
 
There is a $10 excess transaction fee for every transaction over six for pre-authorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle.
Who is eligible for Mobile Remote Deposit Capture (RDC)? Customers who have a High Interest Checking account, Cash Rewards Checking account, Bitcoin Rewards Checking Account, High Yield Savings account, or Quontic Money Market account are eligible for Mobile RDC service.
What do I need to open a checking account? When you open an account, to validate your identify we will ask for:
  • your name
  • address
  • date of birth
  • social security number
We may also ask for a valid U.S. government-issued ID. There is a minimum required amount to open an account. You will fund your account via online transfer from an account you have at another bank (during the online account opening process). Please Note: You must be a U.S. Citizen and 18 years or older to open an account.
What is Quontic’s overdraft policy? Quontic does not charge an overdraft fee. View Quontic's fees here.
How do I open a High Interest Checking account with Quontic? You can securely open your new High Interest Checking account online in less than 3 minutes by visiting https://www.quontic.com/high-interest-checking/.
Will this be a Visa or Mastercard?

A Mastercard Debit Card.

Will my bitcoin rewards expire?

No your bitcoin rewards will not expire as long as you keep your Bitcoin Rewards checking account open. 

Will I be able to transfer my bitcoin between NYDIG and other digital wallets?

No, transfers between digital wallets is not available at this time.

Who purchases and who owns/holds the bitcoin?

NYDIG purchases the bitcoin for you and deposits it into your NYDIG account. NYDIG holds it for you as a custodian. 

What types of transactions will earn bitcoin rewards?

Point of sale transactions using your debit card will earn bitcoin rewards. This includes purchases in-store and online.

ATM withdrawals, transfers, bill payments, writing checks, ACH payments, and wire transfers will not earn bitcoin rewards.

What is the minimum amount to open a Bitcoin Rewards Checking account?

$500 is the minimum amount to open an account.

What if bitcoin/cryptocurrency becomes illegal?

There is no indication that any U.S federal or state government agency, regulator, or law enforcement agency has taken this position or has indicated that it plans to do so. Moreover, on July 22, 2020, the US Office of the Comptroller of the Currency published a letter clarifying national banks' and federal savings associations' authority to provide cryptocurrency custody services for customers, so it appears as the bank regulators are gaining comfort with cryptocurrency. Nevertheless, if the program cannot continue, it would be shut down in an orderly way, and NYDIG would seek to redeem out your Bitcoin at the market price to the extent it can do so legally.

What happens to my bitcoin if I close my Quontic bank account?

Your Bitcoin will be redeemed, your NYDIG account will be closed, and you will receive your cash in your Quontic checking account before the account is closed.

You will forfeit any Bitcoin Rewards that have not been credited to your NYDIG Account prior to account closure or cancelation of the program.

What happens if Quontic cancels the Bitcoin Rewards program?

If Quontic cancels the program, NYDIG will close your NYDIG account, notify you as soon as possible, and return the value of the bitcoin in your NYDIG account to your bitcoin rewards checking account with Quontic on the same or next business day.

You will forfeit any Bitcoin Rewards that have not been credited to your NYDIG Account prior to account closure or cancellation of the program.

Is there a multiplier for spending in certain categories (restaurants, shopping, travel)?

No, there is no multiplier for the Bitcoin Rewards program.

Is my bitcoin rewards account FDIC insured?

The checking account and the money in your checking account are FDIC insured, but the bitcoin held by NYDIG, is not FDIC insured.

Is there a maximum amount I can deposit into a Certificate of Deposit (CD)?

The maximum deposit to open a CD is $1,000,000.

Are there any fees to send money using Zelle®?

Quontic does not charge any fees to use Zelle®.

How can I speed up my application? If you already have an account with us, and return to open a new account, your information will populate based off the first application.
How is my personal information used? Your information is used to identify you. It is securely stored in your account and customer records once your new account is opened. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account.
What does the interest rate mean?

The interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited or borrowed.

What type of internet connectivity do I need to use Mobile Remote Deposit Capture? Your mobile devices must have an appropriate data plan and/or Wi-Fi connectivity that allows the transmission of data over the internet.
Why do I see marketing emails in my receipt list? Oftentimes merchants send follow-up marketing emails to customers who have provided them with their email address in order to receive an e-receipt. If you provided these merchants with your @myreceipts.us account, that same email address will also receive marketing communications from said merchants. We work hard to stop these emails from landing in your receipts list, but we don't always catch them. If we are unsure, we will notify you and place the email in your non-receipt email inbox so that you can choose whether you want to convert it to a receipt or delete it. If you see an email in your receipt list that should not be there, you can report it to us from the bottom of the "Edit Receipt" screen.
I forwarded an electronic receipt to my @myreceipts.us email address, but I have yet to see it in my receipts list. Where is it? It's common for users to make typographical errors when using their @myreceipts.us email address. Double-check to see if the email address you are typing and the email address that you see at the top of the receipts list screen are the same. If they are not, just forward the receipt again to the correct email address. It may take a few minutes to process your receipt. If you're still having problems, check your notifications at the bottom of your receipts list screen. It's possible that your electronic receipt landed in your non-receipt email inbox. If this is the case, you can just convert it into a receipt (or delete it). If you're still experiencing problems, contact Quontic for additional support.
Can I give out my @myreceipts.us email address? Yes. In fact, this will allow you to skip the step of remembering to forward your electronic receipts. Instead of entering your personal email address, you can provide merchants with your @myreceipts.us email address and any electronic receipts sent by that merchant will be automatically added to your receipts list.
How can I add emailed receipts to my receipts list? If you have a receipt in your personal email inbox, simply forward it to your unique receipts email address. If you ever forget your @myreceipts.us email address, you can find it at the top of the Receipts List screen.
Why am I seeing electronic receipts in my receipt list without forwarding them or giving my @myreceipts.us email address to a merchant? Some merchants will try to make the checkout experience quicker for customers by storing the email address a customer previously used instead of asking for it again. They do this by keeping the email address on file with the profile you created with them.
How can I create a @myreceipts.us email address? You will see a link to "Add Email Receipt" on top of the receipt list screen. You will be invited to pick a unique @myreceipts.us email address. Once your unique receipts email is created, it will appear on top of your receipts list screen.
How long does it take to receive my new debit card?

It typically takes about 10 business days to receive your new Quontic Bank Mastercard® debit card.

How do I order more checks? To order checks, you may submit your check order through Online Banking, or you may email us at [email protected].
How do I make a direct deposit? Setting up a direct deposit is easy with a Quontic Bank Account Switch Form. You may request an account switch form by emailing [email protected]. You may also contact the originator of the direct deposit for instructions on how to set one up.
What is a monthly maintenance fee?

A monthly maintenance fee is a fee charged at the end of each month for the required maintenance of your account. If your account balance totals less than the monthly fee, you will be charged only the amount of your available balance and no more. If your account balance is $0.00 for the entire month, you will not be charged a fee for that month.

How can I switch banks?

Opening an account with Quontic is easy, quick, and secure. Go to [url=http://www.quonticbank.com]http://www.quonticbank.com[/url], select the account you want to open, and you will be guided through the online account opening process.

When is interest paid? Interest is credited to your account every month at the end of your statement cycle.
What does APY stand for?

APY stands for annual percentage yield. The annual percentage yield is the effective annual rate of return taking into account the effect of compounding interest. The resultant percentage assumes that the funds will remain in the investment vehicle for a full 365 days.

Whom should a customer contact with questions regarding the Zelle® app? If a customer has questions about the standalone Zelle® app, they can get in touch through the support page at zellepay.com/support/contact or they can call the Zelle® Support team at 1-844-428-8542. All questions related to Zelle® within our Quontic Mobile app can be directed to our Quontic online and mobile banking support, which can be reached toll-free at 1-800-908-6600, or via email at [email protected].
How long does it take to receive money with Zelle®? Money sent with Zelle® is typically available to an enrolled person within minutes. That's why it is important to only send money to recipients you know and trust. Ask your recipients to enroll with Zelle® before you send them money - this will help them get your payment more quickly. If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll with Zelle®. The money will be sent directly into your recipient's account. Once enrolled, that recipient will be able to receive future payments faster, typically within minutes. If your payment has been pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the right email address or U.S. mobile number. If you're waiting to recieve money, we recommend confirming that the sender entered the right email address or U.S. mobile number. Still having trouble? Call Quontic online & mobile banking support at 1-855-226-5287, or email [email protected].
Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Someone sent me money with Zelle®. How do I receive it? If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your [FI Name] account, typically within minutes*. If you have not yet enrolled with Zelle®, follow these steps:
  • Click on the link provided in the payment notification you received via email or text message.
  • Select [Financial Institution Name].
  • Follow the instructions provided on the page to enroll and receive your payment.
Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money. *A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
Can I use Zelle® internationally?

In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.

Who can I send money to with Zelle®? You can send money to friends, family, and people you know.* We recommend you ask people to enroll with Zelle® before you send them money—this will help them get your payment more quickly.


Since money is sent directly from your bank account to another person’s bank account within minutes**, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number. Zelle® should not be used to send money to people you don’t know or to purchase goods. 
 
*Must have a bank account in the U.S. to use Zelle®.
**To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle®.
When did Quontic start?

In late 2009, real estate developer and entrepreneur Steven Schnall bought Golden First Bank—a small, troubled bank in Great Neck, New York with $24 million in assets. Shortly after, he rebranded the bank to Quontic Bank.

What do I need to open a CD?

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

 
What this means for you: When you open a Certificate of Deposit, we will ask for your name, address, date of birth, social security number, and a valid government-issued ID to allow us to identify you. You must be a U.S. Citizen and 18 years or older to open an account.
How is my personal information used?

Your information is securely stored on your account and customer records once your new account is opened. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account.

I enrolled in Quontic Text Banking with my phone number but did not receive a text message. What should I do?

Typically, you should receive a text message within a few minutes after enrolling. However, sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. After waiting a few minutes, if you still have not received your text message, try sending the activation code. If you still do not receive a text message, contact your wireless carrier to be sure text messaging is enabled on your phone.

In what states does Quontic have offices?

As of December 2019, Quontic has one brick-and-mortar location in Florida and three locations throughout New York with one more pending to open in 2020.

Where is Quontic headquartered?

Quontic is headquartered in Manhattan at 1 Rockefeller Plaza, New York City.

Are my deposits with Quontic FDIC insured?

Yes, because Quontic is a Member FDIC, your deposits are secured for up to $250,000. FDIC deposit insurance covers the balance of each depositor's account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank's closing. The FDIC insures all types of deposits received by a financial institution including:

 
  • Checking accounts
  • NOW accounts
  • Savings accounts
  • Money market deposit accounts
  • Certificates of deposit (CDs)
For more information about deposit insurance, visit the FDIC's web page.
What is the difference between Quontic’s High Yield Savings account and Money Market account?
  Money Market High Yield Savings
Product Description The Money Market account is a savings account that offers a debit card and check-writing privileges. A high-yield savings account allows our customers to earn higher interest than a regular savings account.
Current APY 1.85%*

1.85%* annual percentage yield applies to all balance tiers
$0.01 - $4,999.99
$5,000 - $149,999.99
$150,000.00+
 1.85%*
 Minimum Deposit $100.00 $100.00
Withdrawal & Transfer out Limit 6 withdrawals / transfer out monthly

There is a $10.00 excess transaction fee for every transaction and withdrawal over the allotted six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle.
6 withdrawals / transfer out monthly

There is a $10.00 excess transaction fee for every transaction and withdrawal over the allotted six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle.
ATM Access Yes, customers can request a Debit Card Yes, customers can request an ATM card
Check Writing Yes, Options Checks are not an option for our savings account
Fees No Monthly or Overdraft fees
*Other fees may apply
No Monthly or Overdraft fees
*Other fees may apply
FDIC Insurance Available on eligible accounts Available on eligible accounts
Zelle Yes Not available for HYS
Quontic Ring Yes, customer can order a Quontic Ring Not available for HYS
Mobile Deposit Yes Yes
Bill Pay Yes Not available for HYS

*Rates may change without notice. Fees could reduce earnings. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is as of July 13, 2022.

What is Quontic’s routing number?

Quontic's routing number is 021473030.

Does Quontic offer IRAs?

At this time, Quontic does not offer any retirement accounts, including IRAs.

Can I export all of my receipts in a folder?

Absolutely. Instead of starting from your receipts list, go into the folder that you want to export. One of the options in the tab bar along the bottom will be to export.

Can I export all of my receipts? Yes, you can. Tap "See All" from the receipts list, and then check the "Select All" box. Once all receipts are selected, hit the downward arrow to choose your format and download.
How do I export my receipts?

Select the receipts you want to export from your lists of receipts. You will be given the option to export the receipt summary information in any of the following formats: expense report format (.XLS file), receipt data format (.CSV file), and receipt images (PDF files).

I am getting a duplicate warning, but my receipts are not really duplicates of each other. What can I do?

When you capture two receipts with the same key information of merchant, date, time, and total, we will recognize these as duplicates of one another. Occasionally, you may really have two identical transactions and you want to keep both. This would most likely happen when there isn’t a time posted on the receipt. In that case, you can tell us that you want to keep the duplicate and we will stop showing you this warning.

Why do I need to specify an expense type when I capture an image?

Most people like to separate their personal expenses from their business expenses, but most put it off for later and wind up mixing up their receipts or not being able to find the receipt for a major business expense. By specifying your expense type at the time of capture, we’re helping to make your life a lot easier down the line.

Why do some receipts appear in my receipt list with little chevrons on them? Whenever you capture images of an itemized paper receipt and a paper payment receipt for the same transaction, we will link the two images together as a single receipt in your receipt list. This way you can avoid duplicates of the same transaction, but you’ll capture both in case you need them for expense handling.
What are notes? How can I use them?

For each receipt, you can add free-form notes about the purchase. You can use these notes to keep track of who was at the group meal that you expensed or the name of the person for whom you bought a gift. You can even enter hashtags, just like with Twitter and Instagram, to assign labels to certain types of receipts. Any hashtags that you used previously will start to pre-fill as soon as you type ‘#’ in the notes field so that you can use the same labels consistently for easy searches

Do I have to add my receipt to a folder?

No. Although folders help to keep your receipts organized and save you time down the line, it’s entirely up to you if you want to use them. You may find that they’re only helpful for organizing certain types of receipts and not others. In any case, adding receipts to folders is your choice.

What are folders? How can I use them?

Folders enable you to group related receipts together so that you can easily view them. For example, you may want to use folders to group all of the receipts for your “Business Trip to New York,” so that you can easily export them when you need to submit your expenses for that trip, or you can track all the receipts that you capture for a particular client or project. You will also see the total dollar value of your receipts within a folder so that you can track trip allowances or project budgets.

There are a lot of receipts in my search results. How can I narrow this list down?

Once the service has populated your receipts for you, tap on the filter icon to the right of the search bar. This will reveal a list of filters that you can set, like a date range, so that only receipts that match that criteria will remain in your search results. If you want to find receipts in a specific folder, go into the receipt list for that folder first and then tap on the magnifying glass within that folder.

How can I search for my receipts?

Tap on the magnifying glass icon in the top-right corner of your receipt list. A search bar will appear. Similar to a search engine, once you type a word and press “search” on your keyboard, the service will populate all receipts that match your search. To make your receipts easier to find, we’ve made the search options flexible. You can search by a merchant, by the item name, by totals on the receipt, or even by the notes you entered about the receipt.

Why are some of my receipts showing as “Enhanced” and others are not?

For receipts from top merchants, we have been training our system to understand more than just the key receipt information (such as merchant name, date, and total). We try to also understand the merchant location and phone number, the item details (including SKUs, item names, prices, discounts, etc.), subtotals, taxes, tenders, and even loyalty and reward point balances. When we are confident that we can understand this level of information on the receipt, we show you a more detailed and dynamic receipt — this is our “Enhanced” receipt format. You can always go back to view the original image of the receipt by swiping left on the “Enhanced” receipt view.

I accidentally tapped “Save” on a receipt and then noticed that I submitted the wrong information. How can I go back to edit it? You can choose to edit a receipt from the receipt list or from the receipt itself:

 
      • From the receipt list, swipe to the left on the receipt that you want to edit. You will be shown three options: Export, edit, or delete. Select edit.
      • From the opened receipt, tap on the edit icon on the tab bar along the bottom.
 
You will be taken to an “Edit Receipt” screen, where you can make changes to the key receipt information.
Why do some electronic receipts show me an “Enter Receipt Info” screen?

Occasionally, we are not able to obtain one or more of the key pieces of information from an electronic receipt. When that happens, you will see that the receipt needs attention in your notifications, along the bottom of the screen. The next time you tap on that receipt to open it, the “Enter Receipt Info” screen will appear. Just enter any missing information and save the receipt, and you will be able to view the receipts like all the others.

Do I need to have internet connectivity to review receipts that “Need Attention?”

No. When you have receipts that need attention, you can view and update the key receipt information from the “Enter Receipt Info” without an internet connection. This way, your time on airplanes and subways can be used to get yourself (and your receipts) organized!

What if the information was unable to be pre-filled?

Sometimes we are unable to pre-fill receipt information. Usually, this can be attributed to the quality of the image. You can always try to take a better image by swiping right to show the original image and then tapping on “Retake.” Try to use the available features to improve the image quality, such as automatic capture, flash, tapping to focus on the image, gridlines, and cropping. Try smoothing out and flattening the receipt  before capture to reduce shadows and distorted text.

How can I check if the pre-filled information on the receipt is correct? Can I change it?

If you no longer have the receipt in front of you to compare against the data that we pre-filled for you, you can tap on the receipt you want to check from your receipts list. You will be taken to the “Enter Receipt Info” screen and from there, you can swipe right with your finger to see the image of your captured receipt. You can use this for your comparison. If you swipe left with your finger, you will return to the “Enter Receipt Info” screen. All of the fields shown on this screen can be edited. Just tap on the row that you want to edit and a keyboard or special widget to enter text will appear on your screen. Make sure you tap “Done” so that your field changes are saved and not discarded.

Why was some or all of the information on the receipt pre-filled for me? To save you time! We don’t want you to waste any time manually inputting receipt information – so our technology pre-fills as much key information as possible for you (eg. merchant name, date, total, etc.). The clearer and crisper the image of the receipt, the better we are at extracting and pre-filling your information. Automating this process saves you several minutes of manual work.
 
Once we finish processing a captured receipt, you can tap “View Receipt.” You will be taken to the “Enter Receipt Info” page, where you can manually enter and edit all of the receipt information, as well as change currency and category.
Which currencies are supported? We currently only recognize receipts with payment in USD, CAD, and GBP currencies. If you upload a receipt from a country other than the US, Canada, or Great Britain, you can manually change the currency to any of the following: USD, CAD, GBP, EUR, AUD, NZD. We intend to increase the supported currencies in time!
Can I edit information on an electronic receipt or only paper receipts?

You can edit the name of merchant, date, and total from any electronic or paper receipt.

Is there a minimum to open a Certificate of Deposit (CD)? The minimum deposit required to open a CD is $500.
Why isn’t my receipt linked to a transaction on my bank statement? In order to link a receipt to a transaction on your bank statement, the transaction amount, merchant name, and date need to match. Occasionally, this will not be possible if you have made a purchase with more than one card or with a combination of cash and credit/debit. More rarely, there may be cases where the purchase date is not close enough to the date the transaction was posted by the merchant to your credit card account, leading to no match being found.
Why can’t I find the receipt that I just captured? First, check your internet connectivity. If you are in offline mode, your receipt may not yet have been sent to our servers. Once your connectivity is restored, it should become available. If you do have internet connectivity and you are still unable to find your receipt, make note of the following:
  • Partial name matches do not always work when searching for receipts. If you are searching based on a product or merchant name, try spelling the entire word.
  • Make sure all filters are turned off when you search, otherwise the receipt you are looking for may be hidden because of a filter.
  • Does the receipt that you captured have a transaction date that is far in the past? The receipt list populates in chronological order, so it will show your most recent receipts at the top. You will have to scroll down to retrieve older receipts. You can also look in your notifications for any recently added receipts or receipts that need attention. This may give you a quick link to your receipt.
  • If you cannot find an electronic receipt that you recently forwarded to your @bankreceipts.com email, be sure to check your notifications to see if the receipt mistakenly landed in your non-receipt email inbox list. From there, you can convert it to a receipt.
I didn’t realize I needed to export my receipts before unsubscribing from Receipts. Can I still get my receipts?

Unfortunately, when you unsubscribe from receipts, you are unable to access the Receipts section of the mobile app. Consequently, you will not be able to select and export your receipts. It is critical that you export your receipts before unsubscribing and ensure you have received all exported receipts.

I accidentally deleted a receipt that I needed. Is there any way to retrieve it?

There is a three-day buffer from when you delete your receipt to when it fully leaves our system.  It may be possible for us to retrieve your deleted receipt if you call Online and Mobile Banking support toll-free at 1-855-226-5287. You cannot retrieve your receipt through the mobile app.

What should I do if the information on my receipt is incorrect?

If the key information on the receipt (i.e., the merchant, date, total) is incorrect, you can edit them on the “Edit Receipt” screen. If your receipt is being presented in an “Enhanced” view and some of the details of your purchase are incorrect, then you can go into the “Edit Receipt” screen and scroll to the bottom to “Report Receipt.” One of your available options will be to identify the receipt as having incorrect data. Our Operations team will review your reported issue and adjust your receipt accordingly.

Why can’t I view my receipt?

First, check your internet connectivity. If you’ve recently viewed your receipt and then lost connectivity, you may be able to still see the receipt because it will be in your cache. However, if you have not looked at this receipt recently, we will not have a copy of the image stored. Try again when your internet connectivity has been restored.

Does Quontic support a suspend/resume capability?

No.

Can I re-enable my receipts account?

If Quontic purges the account, the user could start using the service again at any time. However, all previously loaded receipt data will not be available. For this reason, we don’t recommend purging accounts.

Can I share my receipts account among two or more bank customers?

Presently, you cannot share a single Receipts account among multiple bank customers.

Can I change my @myreceipts.us email address? Presently, you cannot change the @myreceipts.us email address that you selected upon registration to another email address. If you require this to be changed, please call us at Online and Mobile Banking support toll-free at 1-800-908-6600, or email [email protected] so we can help you.
How do I unsubscribe from receipts?

There is no explicit unsubscribe option.  Users can simply stop using the service at any time. Quontic can send a cancellation list periodically and we can “reset” the user, which means that we purge any receipt info.

How do I register for the Receipts program?

Once a bank signs up for digital receipts, all users are registered and have access to the service. There’s no action needed from the customer before they can use the service.

Are digital copies of my receipts accepted by the IRS?

Yes. The IRS will accept images of documents, such as receipts, as long as (1) they are an accurate reproduction with the intention of replacing the original paper document, (2) it gives the same information as the paper document, and (3) the important details of the document are not obscured (e.g., due to resolution, tone, or hue).

Can I use my captured receipt as proof of purchase when making a return or exchange?

Yes. For most merchants, especially ones that offer e-receipts of their own or support e-commerce returns, the most important piece of data on the receipt is the barcode, which can be scanned to locate the transaction in their system, or the transaction number on the receipt, which can be entered by the sales associate. The associate processes the return or exchange using the located transaction in the merchant’s POS system.

Can I throw out my paper receipt after I have captured the image?

For any receipts used to support statements made on your tax return, you can destroy the paper receipt if the image you took of the receipt complies with the IRS Standards for electronic records and includes all necessary information. Be sure to check the guidelines of the country in which you are filing taxes.

How long will you keep the digital copy of my receipt?

We will hold on to receipts for three years after you have submitted them. If you need to keep the digital record for longer, you can export the receipt from within the receipts list.

When I tap on my export file in the list, nothing happens. What’s wrong?

Creating a packaged export file does take a little bit of time and the more receipts in the export, the longer it can take. If nothing happens when you tap on the export file, the export has probably not finished processing. Come back to this page at a later time to try again.

How can I share my receipts with my bookkeeper or accountant?

When you tap on the “More” icon on your menu at the bottom of the screen, your “Recent Exports” will be at the top of the list. Tapping this will take you to all your recently exported receipts. You will see a sharing icon under each receipt on the right side. Tapping this sharing icon will enable you to share your exported receipt using standard iOS and Android sharing options available on your mobile device.

Why is my export no longer appearing in my list?

Only your last four exports are shown in the list. If you need to create multiple exports, be sure to pick them up from the “Recent Exports” list regularly. Also, remember that the export files are only stored for two weeks from when they were created. If the export is no longer there, you may need to create a new export with the receipts you are seeking.

Where can I find my receipt for export? On the Receipt Dashboard, there is an option to download each receipt individually. If you would like to download receipts by year, you can scroll down and select ‘Downloads’.
If I select the “New Transactions” option, what transactions will I download?

You will export only the transactions that you have not yet downloaded. A checkmark in the last column on the right indicates the data has been previously downloaded.

What file formats can I use to download data?

You can export any report into QIF file format (for Quicken and Microsoft Money) or the CSV file format (for Microsoft Excel).

How can I download information into my personal financial software? The information you download is compatible with many of the leading personal finance programs, including Quicken, Microsoft Money, and Microsoft Excel. To download a report into any of these programs, select the program you want to download your information into and then click download.
 
When downloading to QIF, a file opens in a new window. When downloading to Excel, a worksheet opens within a frame. To return to the reporting page without closing the application, please use the back button.
Why is my email address in lowercase?

Email addresses are stored in lowercase, even if they are entered in uppercase or mixed-case. For example, we would store [email protected] as [email protected].

Why am I unable to deselect some notifications on the “Alerts Preferences” page?

Certain notifications are meant to notify you of any activity in your bill pay account. For security purposes, you are unable to turn them off.

How do I display current notifications on the “Alert Preferences” page?

Just click the appropriate category link and a list of current notifications for that section will appear.

Can I be notified via text message on my mobile device?

No. Currently, all notifications are delivered to the email address you provide.

When will you notify me if a bill is about to become overdue?

One of our primary goals is to help you eliminate past due bills and expensive late fees. We will send you an email if a bill is due in 10 days (you can change the default number),  and we have not received any payment instructions from you. If you do not want to make a payment on this bill, simply click the “File This Bill” link and your bill will be stored for future reference.

When will I be notified that a bill has been paid?

For a paper check: you will receive a payment confirmation email when your check is cut and mailed. For an electronic payment: you will receive a payment confirmation email when the electronic payment is initiated.

When will I be notified that I have a new bill?
An email notification is automatically sent to you as soon as a bill posts to your account.
Can I choose what notifications are sent to me?

Yes, you can select all of the alerts you wish to receive on the “Alert Preferences” page. Additionally, if you want to manage a specific alert for an individual payee, you can do so in the payee details.

When do you contact me regarding my account? We use email notifications to keep in touch with you about your account. As our customer, you may choose to receive emails in the following situations:

 
  • When a bill is received.
  • When a bill has not been received X days before the billing date.
  • When no payment has been scheduled X days before the payment is due.
  • When a payment is made.


These are some of the general email notifications you will receive as our customer, which you may opt to turn on or off. From time to time, you may also receive other notifications about your account, such as emails about a specific payment, future payment reminders, and changes made to your personal profile or password.

Can I upload receipts from transactions paid in cash or a non-participating bank card?

Absolutely! We can read all receipts from all tender types. You can also upload receipts from non-participating bank cards, you just won’t be able to match these receipts to transaction history

What if I have a two-sided receipt? Two-sided receipts should be captured in "Manual" mode. Select 'Long Receipt' and take an image of the front of the receipt, then take an image of the back of the receipt as section two.
What if I have a long receipt? For very long receipts, it is best to be in "Manual" mode. Otherwise, the receipt may be too far away from the camera to take a clear image with legible text. Start by selecting the 'Long Receipt' option when you go to take an image. The first image you take will be of the first section. Again, tap on the circular capture button at the bottom of the screen to capture the next section of your receipt.
Do I need to be connected to the internet to take images of paper receipts? No. You can capture receipt images when you’re in airplane mode or have no internet connectivity in spaces such as subways. We will process and upload the images as soon as your connectivity is restored.
Why don’t I see automatic mode on my device?

Automatic mode is a feature that is only available for iOS users at this time, due to limitations of AndroidOS.

Why is the automatic capture not working for me? Automatic capture may be unsuccessful for various reasons. The following are the most common:
  • There is not enough contrast between the background and the receipt so the camera has difficulty finding the edges of the receipt. Try taking the picture of the receipt against a dark background.
  • You might not be still enough when taking the picture. The automatic capture will wait for a few seconds to get a lock on the receipt before capturing the image to avoid prematurely capturing images.
  • There may not be enough light, which can indirectly contribute to the two problems above. Try turning on the camera flash using the icon in the top right corner.
  • The receipt may be ripped or bent thereby changing the shape of the receipt such that it no longer can be detected by the camera as a receipt. Try to flatten out any folded corners or switch to manual mode to take the image.
Why does my camera keep switching from automatic to manual?

In automatic mode, the camera will try to detect the rectangular boundaries of a receipt it identifies. However, if it’s unable to do so, eventually the camera mode will switch to manual, allowing the user to control and guide the image selection and capture.

How do I take an image of a paper receipt? For modern devices, you will default to “Automatic” capture mode. Turn on the flash if there isn’t sufficient lighting and arrange the receipt edges on the screen so that the whole receipt is visible. Hover over the receipt and hold the camera still to time to capture the image. Avoid white surfaces to allow the camera to detect the edges of the receipt.
 
The other camera capture mode is “Manual.” Turn on the flash if there isn’t sufficient lighting and use the crop bar and grid lines to eliminate the background and ensure the receipt is straight. Tap on the receipt to focus on the receipt text. Tap on the circular capture button at the bottom of the screen to capture the image.
What are e-bills and are there different types of e-bills?

E-bills are any bill that you receive in your bill inbox, and they basically fall into two types:

 
1. The first type is an electronic bill that we receive from one of your billers and which we redirect to you.
 
2. The second type is a bill we retrieve from your biller's website and present to you electronically. The bottom line is from your point of view—all types are e-bills because they are always presented to you in an electronic format.
Why does the “Action Needed” link appear on the “Make Payments” page beneath the name of a person or business I pay? This link appears when we need additional information from you regarding your bill.
I’m receiving a bill at home. How do I begin receiving it online? If you have already set up the payee, begin online delivery of a bill from your navigation links by clicking “My Payees.” From your list of payees, within the “e-Bill Status” column, click the "Set Up e-Bill" link. You should begin receiving your bill online within one to two billing cycles.
 
If you have not yet set up this payee, from your navigation links click “Pay Someone New.” During the setup process, you will be asked if you want to receive the bill online.
How do you get my billing information? When you register a payee, you provide their name, billing address, account number (if applicable), and other pertinent information. This is the only information we need to accurately issue payments.
 
Electronic bills are posted immediately to your account. A bill we retrieve from your biller's website will appear within 24 hours, and your payee's billing address will not change.
How can I download my billing history into my financial management software? Yes, you can integrate your billing history information with all leading personal financial management software, like Microsoft Money, Microsoft Excel, or QuickBooks. It's simple to merge your bill payment data with the rest of your financial records. From the "Reports" page, simply click download. The "Download Report" page appears when you select the file format for your download.
How can I view the filed bills? You can view information on a filed bill through the payee's bill history.
How long do you store my billing information? Bill summary and transactional information is available online for 24 months. Most bill images are maintained online for 24 months from the date the bill is posted. After 24 months, your bill images are deleted from the system.
Who has access to my Bill Pay and funding account? You are the only person who can authorize payments to be issued against your account. Our representatives only access your account information on a need-to-know basis, and only with your approval.
Who authorizes payments? Only you can authorize payments. You have complete control over who you are issuing a payment to, the exact payment amount, when the payment should be sent, or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you.
What security features do you use? Our Bill Pay service is highly secure; designed to fully safeguard the privacy and security of your financial information. Unlike normal internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel.
 
Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption.
Why do people or businesses that are inactive still appear in my list?

To properly store your billing history and ensure accurate reporting, we cannot completely delete a person or business from your account

What happens if the person or business I want to pay doesn’t appear in the list of suggested names?

You can add them to your list of people and businesses to pay by entering their name and address.

Why can’t I edit my remittance address?

Sometimes customers can't change their address due to the special relationship we have with a payee. These addresses are provided to us directly from your payee to ensure the proper and timely processing of payments.

Do I have to attach a personal note when filing a bill?

Personal notes are a convenient method of recording payment reminders, but you do not have to attach a personal note to every bill you pay or file.

Can my payees see my personal notes?

No. Unlike the memo field on a check, personal notes are completely private, and can only be seen by you.

What are personal notes?

Personal notes are reminders you can add to any payment or filed item. Common uses for a personal note include reminders about why a payment was made, why the entire amount was not paid, or if there is a dispute with the payee. Personal notes are completely private, and can only be seen by you.

How does the reports feature work? The reports feature allows you to do a variety of tasks quickly, such as retrieving filed bills, analyzing spending habits and researching payment dates. In addition, you can download report data into most popular personal finance programs, including Quicken, MS Money, and Excel. To create a report, click the Reports link on the Helpful Resources panel. Once in the Reports window, click "Create a new report." Then select the criteria for your report, including the timeframe, payees to include and how to sort the results. Finally, click "Generate Report."
Can I download report data into my personal finance software?

Yes. The information you download is compatible with many of the leading personal finance programs, including Quicken, Microsoft Money, and Excel. To download a report into any of these programs, select the program you want to download into and then click download.

After the download is complete, use your personal finance software to open and manipulate the data you've downloaded.

Can I print a copy of a report?
To print a hard copy of any report from your browser's file menu, select print.
If I select the “All Transactions” option, what transactions will I download?

You will export all transactions that are available for the report you selected regardless of whether you downloaded them before.

Can I pay bills with my credit card? Currently, we don't offer credit cards so we cannot issue payments from a credit card.
Do I have to pay the entire bill amount? No. You decide the amount you want to pay towards each bill.
Who authorizes payments? Only you can authorize payments. You have complete control over who you are issuing a payment to, the exact payment amount, when the payment should be sent, or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you. Please note that your payment for our service will be conveniently debited from your primary funding account each month.
How are payments issued? Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.
Do you earn interest on “float?” EFT transactions are not immediate (like a wire transfer). When an EFT is generated, the funds for your payment are ACH debited from your account within 24 business hours. However, it can take up to three business days before your financial institution releases these funds to us.
 
To expedite the EFT process, we issue payment to your payee immediately. Your payee will generally post this payment to your account within three business days.
 
Once the funds you authorized are released from your financial institution, they are deposited with us. Since some financial institutions can take up to three business days to release your funds to us, there is no floating of your funds or interest earned. Essentially, we have made a payment on your behalf and your funds are used to repay us.
When are electronic payments issued? If you authorize payment in advance, your EFT will be sent at 3 PM CT on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3 PM CT.
What happens if I don’t have enough money in my bank account? As with a paper check, your account must be adequately funded to cover all payments. Some EFT transactions may clear your bank account the same day they are issued, so be sure your account is funded in advance to avoid bounced payments.
Why can’t I issue an EFT payment? Although most large payees accept electronic payments, many smaller payees do not have the technology to accept them at this time. In these cases, you may issue a paper check. However, there may be other reasons why you are unable to issue an EFT payment, such as collections issues.
When is the money for an EFT deducted from my account? Some EFT transactions can take up to three business days (from your scheduled payment date) to clear your account, while others may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.
How long does it take for an EFT to be received? For payees that can accept EFT, we recommend that you set the payment date at least three business days in advance of the due date. Although, it's important to note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.
Are EFT payments safe? Yes. Just like payroll direct deposit and ATM transactions, EFT payments are extremely safe. All payment information is encrypted with 128-bit SSL and sent through a secure communications channel. Information cannot be redirected, read, or tampered with.
How does EFT work?

In general, the EFT process can take up to three business days. Listed below is an example of how an EFT payment reaches your payee.

 

Monday: Payment is issued and the EFT process initiates. The payment leaves your pending payments and can be viewed as a report.
Tuesday: Your account is debited via ACH (automated clearing house). ACH is the national standard for debiting a funding account.
Wednesday: Payment is sent to your payee via RPPS (Mastercard remote payment and presentation service).
Thursday/Friday: Depending on your payee's back-end processes, the payment may post to your account.
 
Although most EFT transactions take up to three business days, it's important to note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.
What is EFT? Electronic funds transfer, or EFT, allows us to send payments to your payees electronically, rather than printing and mailing a paper check. EFT payments are especially advantageous because your payee receives payment faster than with a paper check, and there is no risk of a check getting lost in the mail.
How do I print a copy of my bill? It's easy to print a copy of any of your bills. While viewing your bill, just select print from your browser's file menu.
Are bill payments to payees retrieved from the biller’s website made electronically?

The presentation of bills we retrieve from your biller's website and EFT payment are distinctly separate technology initiatives. The fact that a payee is enabled for the presentation is not necessarily an indication that they can accept payments via electronic funds transfer (EFT). Depending on the particular payee's capabilities, payments are issued either electronically or via paper check.

I registered a payee to retrieve bills from the biller’s website. Why am I receiving the paper bill at home?

Some payees may continue to send a paper bill to your home even after you begin receiving the bill online. To avoid making duplicate payments, it is best to pay only those bills that arrive online.

When registering a payee for bills retrieved from the biller’s website, which user ID and password do I enter?

When adding or editing this type of payee, you will be prompted to enter your login information for that biller's website — exactly as you would if you were accessing your account at their website. If you are not yet registered for online access to your account through the biller's website, please take a moment to do so before continuing with the setup process. Note that you should enter your user ID and password (or other requested information) for the biller's website, not the site that you use to pay your bills.

Is the login information for my biller’s websites kept private and secure?

We are committed to safeguarding the privacy and security of all your personal information. Your login information is kept confidential and is used only to retrieve an electronic version of your bill from the biller's website so that we can present it to you online. For your security, all input fields for setting up your payee-specific login information are encrypted and your password is hidden from view.

Why should I give you all of my user IDs and passwords?

Supplying us with the login information for each of your billers' websites serves to consolidate all of your electronic bills in one place (along with all of your bills that still arrive in paper format). It enables us to retrieve electronic versions of your bills and present them to you in a single, secure location. You get all of the benefits of electronic delivery without the hassle of having to remember to go to each biller's website individually and keep track of all of the various user IDs and passwords every time you need to view or pay a bill.

How do you retrieve bills from my biller’s website? First, you register with your biller's website. Then, you provide us with your user ID and password, and we'll go to your biller's website and retrieve your bill for you each month. That way, you can come to one place and see all your bills.
 
A bill that we scrape or retrieve directly from your biller's website and display for you are just one type of e-bill. With bills retrieved this way, almost any online bill can be presented to you conveniently through our easy-to-use interface. You don't need to worry about changing address information.
Where can I find a historical record of my expedited payment?

Each payment and convenience fee is listed on the payee's payment history. For more information on a payment or convenience, you can click the “Payment Detail” link.

When will my payee receive my expedited payment? Expedited payments are sent immediately. In some cases, the payee will receive your payment the same business day, but typically receipt occurs within one business day.
Is there a cost associated with an expedited payment?

There may be a convenience fee associated with an expedited payment.

Can I edit or cancel an expedited payment after it has been submitted? No, processing of your expedited payment begins immediately after you click the button to submit your payment on the preview page.
Are there any expedited payments I can’t issue? Yes, expedited payments cannot be sent to an address in Hawaii, Alaska, or a P.O. box.
Can I track the delivery status of my overnight check payment?

Yes, click the tracking number on the “Payment Detail” page to access the delivery vendor's website. The vendor determines the length of time the tracking information appears online.

When do I have to submit my overnight check payment to ensure it will arrive on the next business day? All payments must be submitted before 6:30 PM CT to be delivered by the next business day.
When would I ever need to make an expedited payment?

Expedited payments are ideal any time you have either forgotten to pay a bill or you are surprised by a payment that you need to make fast. Expedited payments provide an avenue to make that happen without incurring a sizeable late fee or damaging your credit rating.

What is an expedited payment?

Expedited payments are delivered faster than standard payments. These payments are subject to a convenience fee that is automatically debited from your funding account.

When are checks issued to my payees? Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send date at least five business days in advance of your bill due date. We issue paper checks daily Monday through Friday.
When are electronic funds transfers sent to my payees? For payees who can accept electronic funds transfers (EFT), we recommend that you set the send date at least three business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 3:00 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3:00 PM CT. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.
Can you pay my bills automatically?

Yes. There are two ways that you can schedule payments automatically:

 

1 .  Automatic payment in response to an e-bill.
An automatic payment in response to an e-bill is a payment that you set up to go out every time you receive this e-bill without requiring your approval each time. You can pay the full bill, pay the minimum due, pay nothing and file the bill, or create your own rule for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:
  • Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
  • Pay the minimum amount due every month.
  • Pay nothing and send an email notification.
You can also select when to pay the bill — either when the bill arrives or a designated number of days before the bill is due (10 days is the default). You will receive an email notification when an automatic bill has been paid.
 
2.    Automatic payment at regular intervals.
This type of automatic payment gets paid by establishing the interval when the payment should be made, along with other supporting payment details. You specify the amount, the frequency, the start date, and the end date. Based on the duration of the loan you could also establish the end date of the automatic payment rule. For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.
Can I cancel a payment?

Yes, just click the cancel link in the “Pending Payments” section on the “Make Payments” page.

When will an authorized payment be debited from my account? While the exact time of the debit may vary due to when the payment is scheduled, please make sure that you have adequate funds in your account to cover those payments. This will ensure that your payment is processed properly and not subject to insufficient fund fees.
Are there any payments I can’t issue?

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged but may be scheduled at your own risk:

  • Tax payments to the Internal Revenue Service or any state or other government agency.
  • Court-ordered payments, such as alimony or child support.
  • Payments to insurance companies.

We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you've scheduled.

What happens if I do not have enough money in my account to cover a bill?

We issue standard, approved payments against your account. If you do not maintain sufficient funds in your account, the payment may be rejected or your account could be overdrawn.

What happens if a bill is paid late? We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send date that is at least five business days before a bill due date. This will allow a paper check issued on your behalf to arrive to your payee on time. For payees that accept electronic funds transfers (EFT), you should schedule the payment three business days in advance of the due date. However, you should be sure that your funding account is funded on the day you issue payment, as some EFT payments are posted to your payee's account on the same day.
What is a filed bill? A filed bill is a bill that you do not want to pay using this website, but you want to save for your records. This could be a bill with a zero balance or a bill that no longer needs to be paid. Once you file a bill, it is permanently removed from your bill inbox and cannot be paid.
How will I know when a payment has been sent? To verify that a payment has been sent, from your navigation links, click “View a Report”. The “View Reports” page appears. From the report title list box, select the appropriate report, and click “Generate Report.” You can also create a new report or edit an existing report.
Can I make a payment to anyone?
Yes, you can pay anyone including your cable company, doctor, or Uncle Charlie.
What is an automatic payment? There are two types of automatic payments.
 
1.  Automatic payment in response to an e-bill.
An automatic payment in response to an e-bill is a payment that you set up to go out every time you receive this e-bill without requiring your approval each time. You can pay the full bill, pay the minimum due, pay nothing and file the bill, or create your own rule for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:
  • Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
  • Pay the minimum amount due every month.
  • Pay nothing and send an email notification.
  • You can also select when to pay the bill—either when the bill arrives or a designated number of days before the bill is due (10 days is the default).
  • You will receive an email notification when an automatic bill has been paid.

2.  Automatic payment at regular intervals.

This type of automatic payment gets paid by establishing the interval in which the payment should be made, along with the supporting payment details. You specify the amount, the frequency, the start date, and the end date. Based on the duration of the loan you could also establish the end date of the automatic payment rule, For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.

What is a manual payment? A manual payment means that you do not wish to set up an automatic or recurring payment. Instead, every time you want to make a payment, you manually enter the amount and "send on" date. This is the default payment rule for each payee you add. 
Can I make a payment to anyone?

Yes, you can pay anyone including your cable company, doctor, or Uncle Charlie.

Can I pay bills with my credit card? Currently, we don't issue payments from credit cards. 
Can I cancel a payment? Yes, you can cancel a one-time payment or your automatic payments from the Bill Pay Activity panel. Click on the payment you want cancelled, and then the "Cancel Payment" button.
Can I pay a person or business if I don’t have their account number? Yes, you don't need an account number to make a payment.
Where do you send my payment? We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent.
I have made an expedited payment to a specific payee before, why can’t I do that now?

The ability to make an expedited payment depends on the payee and time of day.

What account is my convenience fee deducted from? Your convenience fee will be deducted from the funding account the payment was made from as a separate transaction.
Can I add money to my CD once I open it?

No, once you open a CD you cannot add money to it during its term length. However, you can open another CD with Quontic!

What if the interest rate changes before my CD matures?

Your CD rate will be unaffected and remain the same. When you open a CD with Quontic, you are locked into the then-rate for the CD’s entire term length.

How long after opening an account may I start using Mobile RDC? When your account application processing is completed by our operations center, they will set up your accounts for Mobile RDC. Once the accounts are set up, they will be evaluated to confirm they meet certain criteria prior to being authorized for use with the Mobile RDC service.
Can I make my opening account deposit through Mobile RDC? No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.
Will my deposited check be available in my transaction history? Yes. You may view your transaction history in Mobile Banking.
When will a deposit made through Mobile RDC show in my balance? Check the financial institution's website for more information on check deposits and holds.
When will my deposit post to my account? Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. The daily cutoff time is 4 PM EST. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.
How do I know if my financial institution processed my deposit? When your deposit is processed, you will receive a second email notification regarding the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.
How do I know if my financial institution received my deposit? You will receive a notification by email when your deposit has been received.
Can I photograph more than one check at a time? You may photograph multiple checks in the same mobile banking session, however, you may only photograph one check per deposit.
Do I destroy my check after I photograph the deposit? No, keep the check until it posts to your statement. Once it is posted, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.
What if the check image I photographed is bad? You have the option to retake photographs of the check before submitting it, or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing.
Do I photograph both the front and back of my check? Yes. During the deposit process, you will be required to photograph the front and back of your check.
Are there any limits on the dollar amount of deposits I can submit? Yes. You may use the service to deposit items according to the limits specified in the Terms and Conditions section. Any items presented in excess of the limits will be returned at our discretion.
What if an account is not listed in Mobile RDC? In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at 800-908-6600 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.
What types of checks can I deposit with Mobile RDC?

Most domestic checks may be processed through Mobile RDC. We also accept money orders. We do not accept foreign items, savings bonds, or third party checks through Mobile RDC.

Will I receive unsolicited text messages? No. You will only receive messages when you specifically request them with one of the Quontic Text Banking commands, or if you subscribe to mobile alerts.
How do I subscribe to Quontic Mobile Alerts? You must first enroll in the SMS/Text Banking in order to subscribe to mobile alerts. After registering for this mode, go to our Online Banking page. From here you will be able to subscribe to the alerts you wish to receive on your mobile device.
What are the Quontic Text Banking commands? (B) Balance. Summary of available balances for all accounts.
(H) History. Summary of recent transactions per account.
(C) Command. List of available text banking commands
(HE) Help. Help content for text banking
(L) Login. Receive a URL for the Quontic Mobile Browser website.
(R) Recover. Receive a URL and new activation code for the Quontic Mobile Browser website.
(S) Stop. Deactivate all Quontic text services.
Can I use both Text Banking and Mobile Banking on my phone? Yes.
I enrolled in Quontic Text Banking with my phone number but did not receive a text message. What do I do? Typically, you should receive a text message within a few minutes after enrolling. However, sometimes mobile carriers experience delays that slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. After waiting a few minutes, if you still have not received your text message, try sending the activation code. If you still do not receive a text message, contact your wireless carrier to be sure text messaging is enabled on your phone.
Is Quontic Text Banking supported on my phone?

Text Banking will work on any phone capable of sending and receiving text messages (SMS)  from one of our supported carriers.

How does Device Enrollment work? Device Enrollment validates your banking relationship by asking you to provide your online banking user ID, password, and answers to your security questions.
What is Quontic Device Enrollment?

Device Enrollment allows you to register for Quontic Mobile Banking using your mobile device—instead of with a personal computer with an activation code. This added convenience means that you may register their device while on-the-go.

What if my device is lost or stolen? If you are concerned about the misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Next, sign on to Online Banking, navigate to the Quontic Mobile Banking Center, and disable or remove your device.
Can I use mobile banking or text banking on more than one device? Yes. Visit the Quontic Mobile Banking Center and simply enroll (and then activate) another device.
What if I get a new mobile device or change my phone number? If you get a new mobile device or change phone numbers, be sure to return to the mobile banking website via your PC and update your mobile device profile in the Quontic Mobile Banking Center. Remove your old device within the Quontic Mobile Banking Center. Then, download the app on your new phone and enroll your new device.
I received an activation code but never used it. What do I do now? Activation codes expire after a specific period of time. If you need a new one, return to the Quontic Mobile Banking enrollment site (called the Quontic Mobile Banking Center) and request a new activation code.
Can I add a payee on my mobile device? Yes. If permitted, you will see a menu option to add payees within the Quontic Bill Pay section of mobile banking.
How do I deactivate a payee? You may manage your payees by logging onto our Online Banking website and accessing the list of payees. Once you have the list open, you may choose to deactivate a payee.
How to handle a dispute with a payee? If you have an issue with a bill or a specific item on a bill, contact the payee directly. Remember, you may pay whatever amount you desire in Quontic Bill Pay while you are disputing any item.
How do I cancel a payment on my mobile device? To cancel a payment, select the "Bill Pay" option from the main menu, then select “Scheduled.” The system will respond with a list of payments currently scheduled and unpaid. Choose the payment you wish to cancel. The system will display the payment details. From this screen, select “Cancel Payment.” The system will then ask you to confirm that you wish to cancel the payment.
How can I see previous bill payments on my mobile device? To view previously paid bills, select the "Bill Pay" option from the main menu and then select “Recent.” Your display will refresh with a list of completed bill payments in a summary format. Select an item to see payment details.
How are payments made? Only you may create and authorize payments. Depending on the payee's capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your payee may credit your account.
How do I pay a bill? To pay a bill, select the “Bill Pay” option from the main menu, then select “Pay Bill.” A simple flow guides you through choosing the payee, the payment account, send or due date, and amount. Then, you may enter an optional memo.
In what modes may I access Quontic Mobile Bill Pay? Quontic Mobile Bill Pay is available on our web/browser and downloadable application modes. It is not available through the SMS/text mode.
Where do I enroll for Quontic Mobile Bill Pay? You enroll for Quontic Bill Pay through your internet Online Banking account. Once enrolled, you will be able to access Quontic Bill Pay on your mobile device. You must be enrolled for both Online banking and Quontic Bill Pay before you may use Quontic Mobile Banking and Quontic Mobile Bill Pay.
What is Quontic Mobile Bill Pay?

Quontic Mobile Bill Pay allows you to pay bills online or via a mobile device anytime, anywhere—saving you time and money on envelopes and stamps. It is an optional service you can use with your Online or Mobile Banking account.

If I need additional information regarding Mobile RDC, who should I call? For additional assistance, please call 1-800-908-6600.
A check I submitted was returned—can I re-submit it? If a deposit is returned, please do not redeposit the check with our Mobile RDC functionality.  You will receive written communication from your financial institution through the U.S. Postal Service if a deposit is returned.
What if I submit the same deposit twice in error? If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through our Mobile RDC service.
What if I submitted a deposit for the wrong amount? Do I need to re-submit the deposit? No, you do not need to re-submit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.
Why are you asking me about how I expect to use my new account?

Bank regulations require that financial institutions collect an expectation of a customer's transactional behavior in order to determine risk levels in terms of money laundering, terrorist finance, and identity theft.

Why are you asking me about my employment or previous employment history? Your recent employment history helps us correctly identify you. We ask this question for security purposes and to help the government fight terrorism and money-laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 
Should I choose a joint or individual account? Select “Individual” if you will be the only person taking ownership of the account. Select “Joint”  if you want to add a co-owner to the account.
Why do I need to review and accept disclosures? Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account.
What is an ACH transfer? An ACH transfer is the most common form of electronic money movement. Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet or when you pay a bill online, you are likely completing an ACH transfer. 
What is a wire transfer? A wire transfer is a form of electronic money movement that transfers money in real-time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in-person or over the phone.
What is the test deposits and withdrawals verification process for linking an external account in Online Banking? We will make two test deposits ($0.99 or less) and two matching withdrawals to your external account. It typically takes two or three days for these transactions to appear in your external account. To see the amounts we deposited and withdrew, you will need to access your external account. Once the withdrawals and deposits have been made, return to our website to enter the amounts and verify account ownership. Note: If you select test deposits and withdrawals, you cannot change your verification method again.
What if I cannot answer the security questions? You can still use your account at a different bank to make a deposit. Click the link in the security questions section to use test deposits and withdrawals to verify your account ownership. 
Why do I need to answer security questions? Answering these questions to ensures that you own the account. This additional layer of security protects you against fraudulent attempts to withdraw money.
What if I cannot provide my login information? You can still use your account at a different bank to make a deposit. Click the link in the “Login Information” section to use test deposits and withdrawals to verify your account ownership.
Why do I need my login information? Providing your login information allows us to verify that you own the account you are using to make a deposit in your new account.
Do I have to accept the Terms and Conditions to use Mobile Banking? Yes, you must agree to our Terms and Conditions in order to use Mobile Banking.
What do I use for a mobile number if I am using a non-phone internet-enabled device such as an iPod?

If you are prompted to enter a phone number and your mobile device is not a phone but is internet-enabled, enter a phone number you can easily remember, such as your home phone or office phone.

What if I do not remember my user ID or password?

If you forget your user ID or password, you should visit Quontic’s Online Banking website and follow the instructions for retrieving and/or resetting your credentials. You may also contact customer service for assistance.

What happens if I don’t allow my device to “Remember Me?” The “Remember Me” prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select "Off" once prompted, you will be required to answer the challenge questions each time you log in to Mobile Banking.
Can I save my user ID on my device? If applicable, you may save your user ID by selecting "On" when a “Save My User ID” or “Remember Me” option is prompted. For enhanced security, your user ID will then be presented in a masked format, hiding some of the characters. You may also opt-out of saving your user ID at a later time by selecting "Off.”
What is my password? Your password is the same password you established for Online Banking.
What is my user ID? Your user ID is the same user ID you established for Online Banking.
What Mobile Banking modes can I enroll in? Users may enroll in our downloadable mobile application. SMS/text for Mobile Banking must be activated from the Quontic Mobile Banking Center, which can be found by logging into your Online Banking using a personal computer. Click on the "Activate Now" link to activate SMS/text and follow the instructions presented on the screen.
Do I have to be enrolled in Quontic’s Online Banking to use Device Enrollment? Yes. Your user ID and password will be used to enroll you in Mobile Banking. If you are not enrolled in Online Banking, please proceed here to register for Online Banking.
What happens when my Certificate of Deposit (CD) matures? We will send you a Maturity Notice before your CD’s maturity date. There is a 10 calendar day grace period during which you may withdraw principal without penalty or renew your CD with the same term. You may also close your CD and open a new one with a different term. The grace period begins on the day after the CD maturity date and runs for ten calendar days (maturity date plus 10 days). To make changes or close your CD, please call us at 1-800-908-6600 during the 10-day grace period. You can also make the request via secure messaging in Online Banking by going to ‘Self Service’ and ‘Secure Messaging’ or you can email us at [email protected]. If you do not contact us by the end of the 10-day grace period (and we do not send you a notice of non-renewal), your CD will automatically renew for another term. The interest rate upon renewal will be set at Quontic Banks then-current rate for similar term CDs. The renewal term will begin (retroactively) on the day after the maturity date of the previous CD term. The principal balance for the renewal term will be the total balance in the CD (principal plus the interest that was not previously withdrawn) on the date the CD account is renewed. Your CD will continue to earn the current interest rate during the 10-day grace period. A confirmation will be sent verifying the renewal terms.
How do I view my CD details?

You can view your CD details by signing onto your Online Banking Account. Click on Account and account details.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your U.S. mobile phone number or email address may already be associated with a Zelle® enrollment through another financial institution or through the Zelle® app. You can call Quontic online & mobile banking support toll-free at 1-855-226-5287, or email [email protected], and ask them to move your U.S. mobile number or email address to Quontic so you can use it for Zelle®. This will connect the desired U.S. mobile number or email address to your Quontic account, and you can start sending and receiving with Zelle® through your Quontic mobile app.

For assistance with this issue, call Quontic online & mobile banking support toll-free at 1-855-226-5287, or email [email protected].