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Quontic Bank vs. The State Exchange Bank Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Good For
The Adaptive Digital Bank
Good For
Great Rates on Short-Term CDs
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
Pros
  • Quick and easy online process
  • Free access to more than 90K ATMs
  • No monthly or overdraft fees
Pros
  • TruState Exchange Bank CDs require a low minimum opening balance of $250sted bank
  • Interest is compounded daily, while many competitors provide interest that’s compounded monthly
  • Short-term CDs available
Cons
  • cons One branch with in-person banking
  • cons Deposit only through money transfer
Cons
  • cons CD rates aren’t competitive with some of the highest-paying CDs at competing banks
  • cons Must open a CD through the SaveBetter platform, which means that you’ll have to work with the SaveBetter customer support team, available during business hours Monday through Friday.
Min Deposit
$100
Min Deposit
Min APY Checking
0.01
Min APY Checking
Min APY Savings
4.50
Min APY Savings
ATM Network
90,000 fee-free ATM locations
ATM Network
Overdraft fees
0
Overdraft fees
$32
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