Quontic

Payment ring

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.

Craig GriffithsUnited States · 1 review · Experienced 2026-06-16 · Posted 2026-07-28

The team was outstanding communicating…

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

No ExplanationUnited States · 1 review · Experienced 2026-05-26 · Posted 2026-07-21

Bank Data Incident, Same-Day Fraud Attempts

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.

Frictionless

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

Radiance ClinicUnited States · 1 review · Experienced 2026-07-09 · Posted 2026-07-10

We had an outstanding experience…

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!

Cindy SabatierUnited States · 1 review · Experienced 2026-06-30 · Posted 2026-07-01

Amazing team got everything done within…

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

Kristina was great to work with timely…

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

Keith SternUnited States · 1 review · Experienced 2026-06-15 · Posted 2026-06-29

The entire process moved quickly and…

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.

Quontic goes beyond my expectations!

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!

Worked with Nick Jane

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

Everything was super smooth

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!!

Alyssa ChagalaUnited States · 1 review · Experienced 2026-05-27 · Posted 2026-06-09

I had an excellent experience with this…

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!!

Jesmin AktherUnited States · 1 review · Experienced 2026-06-05 · Posted 2026-06-06

Ray Duran and his team highly recommended!

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!!

Zero stars

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 normally don’t leave reviews

I normally don’t leave reviews, but my experience with Quontic Bank during my home buying process was extremely disappointing and emotionally draining. From poor communication, constant delays, inconsistent information, and last-minute conditions, I felt like my file was mishandled from the beginning. I submitted every document requested, remained patient, and still felt like the process was being unnecessarily prolonged with no real urgency or accountability. The individuals I dealt with throughout this process included Joseph, Lisa, Julissa, and Christina. Unfortunately, my experience with this team left me feeling unheard, dismissed, and unfairly treated during a major life milestone. After weeks of frustration, I decided to move forward with another lender — and the outcome spoke for itself. My new lender was able to close my loan in just 6 business days with professionalism, communication, and transparency the entire way through. At this point, I will also be exploring legal action and looking into taking this matter to court based on what I believe may have been discriminatory treatment during my lending process. Homebuyers deserve honesty, communication, fairness, and respect — especially when making one of the biggest purchases of their lives.

I came to Quontic with a pretty unusual…

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.

afreen nasirUnited States · 1 review · Experienced 2026-05-15 · Posted 2026-05-15

Me and family searched for homes about…

Me and family searched for homes about 2 years now and came across a house that we thought was out of our league, ended up getting that house even though we had no belif whatsoever, after Ray durans and his assistants process every call felt like a surreal moment and would end with excitement and joy!, 5 WEEKS and closed out dream home as a first time homebuyer!!! Without a doubt the best experience with them, just unbelievable work!!!

Everyone person did everything they could to help

Everyone single person showed great interest in making sure they did everything they could to help me. This commitment was demonstrated through the entire process, not just the upfront/sales phase. They all responded immediately to any query or concern I had.

Armando AndresUnited States · 2 reviews · Experienced 2026-05-07 · Posted 2026-05-07

Amazing every step of the way!

I have to admit to being a little…

I have to admit to being a little skeptical at first using an online bank to refinance my mortgage, but I was pleasantly surprised all around with the process. I had the pleasure of working with Marcelo, Patricia, Ray, and others through my process and they were helpful, professional, and courteous. Marcelo and Patricia did a great job of respecting my own timeline as well as helping gently nudge me when needed to get through the process. My situation was a little different, but they handled it with ease! The guidance I got every step of the way was reassuring and not at all high-pressure. They helped me sort through various obstacles that left me frustrated at times and stuck with me til the end. (To be clear the obstacles were on my end, not theirs, and there were times I thought this wasn't going to be possible to get done.) The closing went very smoothly and I'm now a very happy Quontic Bank customer.