Quontic describes itself as a digital bank with local roots — the humble spirit of a community bank with the mindset of a fintech.
Founded in 2009 and headquartered in New York City, Quontic is a digital, customer-centric bank that empowers customers financially while embracing their diverse circumstances. It offers high-interest savings and checking, innovative loan programs, and modern digital banking tools nationwide.
Operating without branches, its digital model supports one mission: reach customers nationally, grow deposits efficiently, and channel those deposits into more inclusive access to homeownership. Quontic Bank is a member of the FDIC.
How does a mission-driven bank preserve the trust and purpose of community banking while operating without a physical footprint?
Quontic Bank
A digital experience that matches the Quontic brand
Quontic built a strong online presence for its digital-only model, but the experience after login didn't always match the expectations set at the start of the journey. Grace Pace described the gap as having a modern "front door," while the banking environment customers entered didn't reflect the same polish, functionality, or ease of use.
For a branchless bank, that disconnect had a direct impact — online and mobile banking are the primary customer touchpoints. Customers needed clearer ways to find services, manage common needs, and continue the relationship without contacting the bank. When those actions were hard to find, they created friction for a team built around speed, self-service, and scale.
With Alkami's Digital Banking Solution, the bank surfaces key tasks and account-management capabilities directly inside online and mobile banking — driving adoption and engagement while reducing friction, limiting call center volume, and keeping more activity inside its own digital channels.
Scaling digital account opening with automation
MANTL Onboarding & Account Opening serves as the bank's digital front door, making the application process a critical part of customer acquisition. As a branchless institution, Quontic needed a fast, intuitive experience that accelerated growth while helping its lean team avoid unnecessary back-office complexity.
Over six years with MANTL, the bank has raised more than $800M in deposits and now automates nearly 100% of application decisions — demonstrating how a clear digital vision, paired with the right technology, drives sustained performance at scale.
Creating a more integrated customer journey
As Alkami brings account opening and digital banking closer together, Quontic sees an opportunity to make the transition from application to active use easier for customers. The speed and automation of account opening can carry forward after approval, giving customers clearer paths to continue the relationship.
"It honestly felt like we dreamt up MANTL's acquisition by Alkami. Bringing them together created the seamless digital journey we've always envisioned — taking an account holder from onboarding directly into online banking without missing a beat. That's a game changer, not just for the customer experience, but for our operations as well."
By participating in the beta cohort for the Alkami Digital Sales & Service Platform, Quontic is helping shape how a more unified experience comes to life. As Pace put it: "Quontic customers don't care about the back-end platforms supporting their experience. They just know that they're banking with Quontic."
Expanding the digital offering through Alkami's ecosystem
During implementation, the bank evaluated available integrations and selected services aligned with its priorities — including statements, mobile deposit, and investment functionality through Unifimoney.
Those capabilities give customers more reasons to return to Quontic's digital banking experience, keeping more of the financial relationship within the bank's own channels and helping Quontic stay relevant in more everyday financial moments.
Partnering for continued digital growth
Quontic's model requires technology partners that move quickly, drive innovation, and help the bank deliver on customer expectations. With critical parts of the experience dependent on external technology, the bank looks for partners that match the speed and focus of its own operating model.
As Quontic advances its digital-only strategy, Alkami's Platform and partner ecosystem give the bank the tools to accelerate adoption and engagement, operational efficiency, and relationship expansion — while unlocking new opportunities for growth.
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