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Quantum National Bank Review

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Quantum National Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Quantum National Bank first started operating in 1995 and its headquarters are located in Suwanee, Georgia. Quantum National Bank owns $443 million in assets as well as deposits totaling $391 million, ranking it as a medium-size bank. Quantum National Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With an average 3.9 stars out of 5, Quantum National Bank proves it is a good bank that gets the job done. Quantum National Bank offers a complete suite of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. Banks that offer free checking and a high interest rate savings account are your best option for returning the highest income on your deposits alongside convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Quantum National Bank has a savings rate of 0.20%, which is poor as compared against the national average. Its one-year CD earns at a rate of 0.55% and the five-year CD has a rate of 1.36%, while its highest-yielding money market account has a rate of 0.50%. Given Quantum National Bank's noncompetitive savings rate, you should consider taking a look at other banks for savings accounts.

How Quantum National Bank's Savings Rates Compare

Quantum National Bank Savings 0.20 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

There is insufficient data on Quantum National Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Quantum National Bank is a brick-and-mortar bank, with three total branches in Georgia. With mobile and web apps, Quantum National Bank makes account access easy, even on the go. Quantum National Bank's online and mobile banking platforms get poor scores from customers. With 5 customer reviews on iOS and Android platforms, the Quantum National Bank mobile app has an overall rating of 3.0 out of 5 (compared to the national average of 3.8). You can use Quantum National Bank's app to control your funds by reviewing monthly statements, sending and receiving money as well as reaching support representatives. Quantum National Bank gets a superb consumer satisfaction rating due to relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.0/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Quantum National Bank ranks as a medium-size bank owning assets totaling $443 million and deposits totaling $391 million. Quantum National Bank has an excellent Texas Ratio of 0.00%, signifying that Quantum National Bank is in superb financial well-being and unlikely to fail. Additionally, Quantum National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Quantum National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.2% APY $100
Checking Account 0.1% APY $10000
Certificates of Deposit
  • 12 Month: 0.55% APY
  • 24 Month: 0.80% APY
  • 36 Month: 0.90% APY
  • 48 Month: 1.10% APY
  • 60 Month: 1.36% APY
$1000 for all terms
Money Market Account 0.5% APY $10000

Quantum National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Quantum National Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Quantum National Bank's CD rates are fair as compared against the national average.

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Find a Quantum National Bank Near Me

Quantum National Bank has three physical branches in the U.S.

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