Quontic Reviews 

This rating would be zero if zero were allowed. I was very interested in opening a Money Market Account with Quontic. Then I read real customers' reviews. An extremely substantial number said that they were denied being able to open an account (savings, CD, Money Market), and they were given absolutely no reason for the denial. Most of these people noted that they had excellent credit scores, no debt, and significant liquid assets. I found this unbelievable so I called Quontic and spoke with a Customer Service person. I asked about their approval process. Here is what she told me: 1) They outsource this function and have nothing to do with it. 2) They are never given a reason why someone was denied, but it has nothing to do with credit or debt checks. 3) The service they use simply checks the info you provide against public records to verify the information you provided. 4) In other words, they check the name and address and phone number you provided against things such as credit cards you have, bank accounts you have, and your utility bills. 5) You will fail if, for instance, you generally do not use your middle initial but you do use it on one of your utility bills -- that sort of thing. 6) I was incredulous and repeated everything she told me, and she verified it. How in the world can a bank -- a BANK, for heaven's sake -- do business like this? 7) The young lady I spoke with reiterated that Quontic Bank is never given the reason for the denial, so they cannot give that information to customers. And, of course, the service they use does not provide this information either. It is only a PASS-FAiL system! No wonder many people think Quontic is just in the business of capturing all your personal identifiying information and all the information about your accounts and other financial information. Please stay away if you value your privacy and sanity.

Vicki was amazing, always available, explained everything to me and I got the best offer ever!!! Thank you and I will recommend Vicki to all my friends and working with Quontic bank was amazing too

We’re all quick to point out faults when we receive bad customer service, very few of us take the time to acknowledge when we experience exceptional service and are treated like family. Such has been our experience with the team at Quontic: Ray, Vasiliki, and Patricia, as well as the team at Sun City Title, Marlene, and Georgette, both times that we used their services. Thank you so much for being such professionals, you’re all the best!

Truly hard to get more than 2000 a day out of your account. If you have a big purchase it feels impossible.

After more than 2 years searching for a…
After more than 2 years searching for a home quantic bank was the best way to go we worked with Javier and when I you he was always available to speak with 24 hours a day 7 days a week. My husband and I were very grateful to have him on our side he was knowledgeable about our whole process and helped us understand what we didn’t i would recommend anyone searching for a home loan to go with Quantic Bank and work with Javier he made us feel so confident it was more than just business with him he became a good friend to me and my husband I thank you for all your help and always being available to us throughout our home purchase. Again Javier we can’t thank you enough!!!! We were so happy to have you by our side in 30 days we closed on our first home all because of you and yessy!

Thank you may god bless you guys in more ways than one you guys are the best!!

From the Nina family

Last week, I flew Ryanair from Kerry to London Stansted. The lady in the window seat tried to pay for her drink with a R*v*l*t card, but it didn’t work. She then tried a traditional bank card, which also failed. Finally, her third card was accepted.

My turn; I simply tapped my Quontic payment ring… bingo, all done.

The flight attendant just said “Wow!” and moved on to the next row.

The team was outstanding communicating and hitting moving deadlines. Thanks to Marcelo, Patricia, Visiliki, and Ray.

I received a formal data incident notice from Quontic Bank today July 21, 2026 stating that my personal information, including my name and Social Security number, was involved in an incident involving former employees retaining customer records. The notice says Quontic became aware of the issue on May 28, 2026.

On that same date, I had fraudulent credit applications/hard inquiries appear with multiple financial institutions. I had to freeze my credit, file FTC and police reports, contact banks, dispute inquiries, and spend significant time cleaning this up.

My individual loan officer was excellent, and this review is not directed at him personally. But a good employee experience does not outweigh a bank-level data security failure involving my Social Security number. That negates my trust in the institution.

I cannot say who submitted the fraudulent applications, but the timing is extremely concerning. I am posting this so other consumers understand the seriousness of trusting a financial institution with sensitive personal information.

The process of opening an account is practically frictionless. The Pay Ring product is outstandingly convenient and the Customer Service is very helpful.

We had an outstanding experience working with Mr Joseph Allen, Christina Caruso and Julissa Eusebio throughout our home financing process. From start to finish, they were professional, knowledgeable, responsive, and genuinely cared about making the process as smooth and stress-free as possible.

They kept us informed every step of the way, answered all of our questions promptly, and went above and beyond to ensure everything stayed on track. Their dedication, attention to detail, and exceptional customer service made us feel confident and supported throughout this important milestone.

We are incredibly grateful for all of their hard work and highly recommend Mr Joseph Allen, Christina Caruso, and Julissa Eusebio to anyone looking for a trustworthy and reliable mortgage team. Thank you all for helping make our dream of homeownership a reality!

Kristina was great to work with timely responses and answered all my questions from start to finish

Amazing team got everything done within timeframe and couldn’t ask for better service

Quontic goes beyond what I have come to expect from banking service. I've had checking and savings accounts with Quontic Bank for 2+ years and had a few questions about my account and they don't stop assisting until they are satisfied that I'm happy with the answer. I love the pay ring! It's helped so many times when I'm out cycling and my phone dies, I'm without my wallet or credit card and need a drink. The zero fees thing is amazing. Online bill pay is easy and fee free ATMS are always nearby. I'll never go back to a rude, overpriced, local bank again!

The entire process moved quickly and any questions I had were answered within a day. Excellent job done by a professional team. My closing was flawless.

Worked with Nick Jane, Ray Duran, and their team. Communication and service was great. Highly recommend.

Everything was super smooth, seamless, painless, response times were perfect, and everything happened exactly as I was explained with no surprises.

Ray Duran and Vasiliki Athanasopoulos were absolutely amazing!!

I had an excellent experience with this team! They went above and beyond to make everything as stress-free as possible for me. They were very quick to respond to every question I had (of course there were a bunch!) and explained everything very thoroughly! Would definitely recommend to anybody and everybody!!

Honestly if I could give 10 stars I would. Being a first time homebuyer can be a bit nerve racking but Ray Duran and his team Patricia and Vasiliki really made the whole process as stress free as possible. His willingness to go above and beyond for us from start to finish was so appreciated. He was always accessible and just a true pleasure to work with. Ray and his team were able to make this a memorable experience for us and also took the time to explain things in detail every step of the way. I highly recommend Ray Duran of Quontic Bank!!

If i could leave less than a star i would! Quonic has been one of the worst banks to deal with! They will close your account without a legitimate reason and will not give you one. And will revoke your acces so you cant access your money! Closed my account for 2 weeks and still havent received my money.. do not deal with this bank it is the worst. Absolutely not recommended and their staff are clueless. It feels like talking a robot. They repeat the same info over and over

I came to Quontic with a pretty unusual situation, having excellent credit and seeking to finance my recent apartment purchase in Oregon. The thing was that our apartment is a co-op, not a condo, and our building is the only residential general market co-op building in the state, and no purchase/sale in our building had ever been financed; the process had not been laid out, the lawyers and escrow companies were clueless, the appraisers lacked easy bases for defining comparability, we were treading an entirely new path.

The building identified a potential lender, a distant credit union, and I worked with them for almost t6 months in an overpoweringly unsatisfying series of exchanges that led them to demand that I make representations that were not true (that it was an investment property even though the building rules prohibit renting it out) and their costs were high, their quoted rate unfavorable, their staff unreachable directly...after all that time I pulled the plug.

Then someone else recommended Marcelo Bianchi-Montana and Quontic. And we started over as refinancing. I was initially leery that the operation -- entirely web-based -- was legit. But slowly after research and cautious initial interactions I determined that it was. The team was uniformly responsive, professional, supportive, and creative. They seemed to relish the challenge and they seemed to want toi make the loan. They found ways over the obstacles that the Eyesores at the credit union found disabling.

So Marcelo, Ray Duran his manager, and the rest of the team that included Patricia Almodovar and Vasiliki Athanasopoulos were consistently pro-active, warm, and ahead of the ball. We got it all done and charted a course that others can now follow.

Kudos to them all.