Everyday accounts
Three ways to bank daily - all with private-client service and no hidden charges.
$0 monthly fees
Private Current Account
- No monthly maintenance fee
- No minimum balance requirement
- ATM fee rebates worldwide
- Included domestic and international wires
- Metal debit card with purchase protection
$0 monthly fees
Graduate Account
- Designed for students and early-career clients
- No monthly fees or minimums
- Budgeting and savings goals in the app
- ATM access at 60,000+ locations
- Built-in overdraft protection
0.55% APY
Interest Current Account
- Earn interest on your everyday balance
- $1,000 minimum balance
- No monthly fee when the minimum is maintained
- All Private Current Account benefits
- Tiered rates up to 0.80% APY
Savings & term deposits
Reserve capital with transparent returns and immediate access when you need it.
4.65% APY
Private Reserve Savings
- Industry-leading interest rates
- No monthly maintenance fees
- No minimum balance required
- Held with insured partner institutions
- Instant transfers to checking
4.35% APY
Money Market Reserve
- Competitive interest rates
- Check-writing privileges
- $10,000 minimum balance
- Limited monthly transactions
- Held with insured partner institutions
Up to 5.10% APY
Term Deposits
- Terms from 3 months to 5 years
- Fixed, predictable returns
- $1,000 minimum deposit
- Held with insured partner institutions
- Automatic renewal options
Cards with purpose
Three cards, each designed around a different way of living and spending.
3% cash back
Quantessa Signature Card
- 3% cash back on dining & travel
- 2% on gas and groceries
- 1% on all other purchases
- $0 annual fee
- 0% intro APR for 15 months
60K bonus miles
Quantessa Voyage Card
- 60,000 bonus miles after qualifying spend
- 5x miles on hotels and airfare
- Airport lounge access
- No foreign transaction fees
- $120 annual fee
Build credit
Quantessa Foundations Card
- Build or rebuild your credit history
- $200 minimum security deposit
- Graduate to an unsecured card
- Reported to all 3 credit bureaus
- $0 annual fee
Your private digital desk
Your accounts, advisor and documents in one secure place - wherever you are.
Quantessa Mobile
A calm, clear view of your accounts, portfolios and upcoming commitments.
Secure document vault
Store statements, mandates and identity documents in one encrypted vault.
Proactive alerts
Real-time notifications for account activity, rates and maturity dates.
Biometric access
Sign in with face or fingerprint; credentials never leave your device.
Open your private account
Begin online in minutes, with a named specialist to guide you through the rest.