QuonticReviews of quontic.com

The customer service has always been top notch when reaching out for assistance and/or help. My issues have been solved in a timely manner and all questions answered. The reason for four stars is the mobile banking and lack of some features. The mobile app is very slow and dated and does not include common features (Account numbers, credit score, ease of use etc.). As a digital bank Quontic seems to be falling behind on features (savings roundup, app features, outdated software. I will keep submitting feedback to the Quontic team. Update: Quontic could not get my direct deposit to work properly (payroll provider tried multiple times and Quontic support did not help).

Pro: great interest rate on savings Con: never received PIN, can't move $ out with online banking Providing access to fund withdrawal from a savings account is a basic function of a bank. Quontic has not provided this function to me. Quontic did mail me an ATM card. Quontic has told me multiple times that it will mail me the PIN code for this ATM card. But six months into the life of the account, the PIN code still has not arrived. I have contacted Quontic during that period. Quontic has promised to mail or re-mail the PIN code. Still I have not received the code. Am I sure Quontic has my correct address? Yes: monthly account statements have arrived at my home timely and without fail since I opened the account. OK, but surely I could just go to Quontic's online banking interface to move some money to an account with another bank, right? Wrong. Quontic's online banking interface provides no function for electronic transfers from a Quontic savings account to an external account. (Quontic will accept deposits from external accounts, though, because of course it will.) OK, but surely I could just use Quontic's bill-pay function to pay myself and get the money that way, right? Wrong. The bill-pay function appears to work only with institutional payees recognized by Quontic; since I am not one of those, I cannot freely add myself to bill-pay. Instead I am instructed to consult Quontic's customer service - the same customer service that has failed to send my PIN code for the last six months. Indeed, customer service is the whole problem here. A bank needs to provide enough customer care to be a functioning bank. I understand how digital banks work, and I don't need or want Cadillac-level customer service. But I do need to be able to access my own money. I do need my bank to provide that access within a reasonable time. And I do need the bank to actually do the things it tells me it's going to do. If a bank can't do that stuff, it's not a bank - it's just a bunch of people who have my money. I'm adding one star to this review for Quontic's excellent interest rate: above 2.0% at the time of this writing. That ameliorates the effect of inflation on savings, and it's the reason I chose Quontic in the first place. But a savings account is not an investment vehicle. This account is my *emergency fund.* The whole point of opening a savings account is to be able to withdraw my money upon reasonable notice, and Quontic isn't delivering on that. If and when I am able to access my money, I will be taking it out of Quontic and putting it in a different, functional online bank.

Trying to deposit since opening has been frustrating. Much more "rules" than any other bank I've used. Also, will only allow me to deposit $5000.

My issue is not resolved yet

The mortgage procees took way too long. If it wasn't for my attorney getting involved after almost 60 days to get commitment I'll still be waiting. So yeah would not recommend to anyone.

Quontic Needs Work Initial information and guidance was great. Process to get loan completed was horrendous. Would not recommend or use again without major process and QA improvements. Supporting staff to close loan was horrible.

No contact and do not return calls.

你们的经理对我们的问题解释不够清楚！贷款利率过高！我们咨询问题好几次，都不能直接回答问题与我们！