Retail Banking Products
Quad City Bank & Trust makes managing your money safe and easy. Personalized options, responsive service and knowledgeable employees guarantee you've found a better way to bank. Access your accounts anywhere by downloading QCBT's Mobile Banking App.
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Quad City Bank & Trust offers multiple checking account options to add convenience for your everyday banking needs.
U Account
An interest bearing checking account with a great rate and no ATM fees.
- $100 Minimum Opening Deposit
- No Minimum Balance Requirement
- No Monthly Service Charge
- Variable Interest Earnings - Premium Rate
- Interest Paid Monthly
- Visa® Debit Card
- Waived Non-QCBT ATM Transactions
- Check Orders - Charges Vary by Design Selected
- Check Images Available Online
- Free Personal Online Banking and Online Bill Pay
- Free eStatements
- Free Phone Banking
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $10,000.00 | 4.25% | $100.00 |
| $10,000.01 + | 0.01% | $100.00 |
1Annual Percentage Yield. Rate may change after account opening. APY is accurate as of March 20, 2023 and is not an introductory rate. Account requirements to obtain premium APY - you must have an opening deposit of $100 and meet required 15 Visa(R) Debit Card transactions posted per statement cycle. ATM transactions do not count towards the 15 transactions total. If account requirements are met, rates will be paid for that portion of your daily balance that is in that tier. The portion of your daily balance of $10,000 or less will earn 4.25% APY. Daily balances of $10,000.01 or more will earn a range of 4.25% to 0.35% APY. If account requirements are not met, the account will earn 0.01% APY. Additional U Account requirement - receive your monthly statement via eStatements with a valid email address. If eStatement requirement is not met, a $5 Paper Statement Fee will be assessed monthly. Fees may reduce earnings. Accounts closed within 90 days will be charged $25.00. Limit 2 U Accounts per Social Security Number.
Quad City Free
A basic checking account with no minimum balance requirement or monthly service charges.
- $100 Minimum Opening Deposit
- No Minimum Balance Requirement
- No Monthly Service Charge
- Visa® Check Card
- Non-QCBT ATM Transactions - Four Waived1, $3.00 Thereafter
- Check Orders - Free 1st Order Duplicate Checks
- Check Images Available Online
- Free Personal Online Banking and Online Bill Pay
- Free eStatements
- Free Phone Banking
1Additional non-QCBT ATM fees may apply.
Quad City Interest
An interest bearing basic checking account with a low average daily balance requirement.
- $100 Minimum Opening Deposit
- $750 Average Daily Balance Minimum Balance Requirement
- $16 Monthly Maintenance Fees (if below minimum)
- Variable Interest Earnings
- Interest Paid Monthly
- Visa® Check Card
- Waived Non-QCBT ATM Transactions3
- Check Orders - Free 1st Order QCBT Checks
- Linked to QCBT Line of Credit2 - Optional
- Check Images Available Via Statement or Online
- Free Personal Online Banking and Online Bill Pay
- Free eStatements
- Free Phone Banking
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $749.99 | 0.01% | $100.00 |
| $750.00 - $19,999.99 | 0.01% | $100.00 |
| $20,000.00 + | 0.01% | $100.00 |
1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earning. 2Subject to credit approval. 3Additional non-QCBT ATM fees may apply.
Quad City Preferred
An interest bearing relationship checking account offering the best value to clients.
- $1,000 Minimum Opening Deposit
- $10,000 Deposit Relationship Minimum Balance Requirement
- $16 Monthly Service Charge (if below minimum)2
- Variable Interest Earnings
- Interest Paid Monthly
- Visa® Check Card
- Waived Non-QCBT ATM Transactions3
- Check Orders - Free QCBT Checks
- Linked to QCBT Line of Credit4 - Optional
- Check Images Available Via Statement or Online
- Free Personal Online Banking and Online Bill Pay
- Free eStatements
- Free Phone Banking
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $24,999.99 | 0.01% | $1,000.00 |
| $25,000.00 - $99,999.99 | 0.01% | $1,000.00 |
| $100,000.00 + | 0.01% | $1,000.00 |
1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earnings. 2Service fee is waived for persons 55 years of age or older. 3Additional non-QCBT ATM fees may apply. 4 Subject to credit approval.
BankOn Checking
The BankOn Checking account helps to establish a banking relationship, whether you are establishing a bank account for the first time or have encountered difficulties in the past and want a second chance at rebuilding your financial history.(1)
- Safe and secure account for storing earnings and starting savings
- Visa debit card
- Online and mobile banking
- Online bill pay
- Free eStatement
- Low $25 minimum deposit to open
- $5 monthly service charge
- No Overdraft or NSF fees(2)
- No early account closure or dormant fees will be charged on this account
To learn more about the benefits of BankOn Checking, or to open an account, please contact us or visit any of our branches.
(1) Consumers with a previously reported negative bank history are eligible to upgrade to a different product type after 12 months in good standing.
(2) This account is not eligible for our Overdraft Protection services. Account allows spending of funds available in the account. A transaction may get declined or returned if there is not enough money in the account to cover the item. There may be situations where the account may be overdrawn causing a negative balance, but an overdraft fee will not be assessed. Account holders are expected to remedy the overdrawn balance as soon as they are aware. Multiple instances of the account being overdrawn may result in the account being closed for misuse.
Quad City Bank & Trust offers multiple savings account options to make it easier to save for your future.
Quad City Savings (2)
- $100 Minimum Opening Deposit
- $200 Average Daily Balance Minimum Balance Requirement
- $6 Monthly Maintenance Fees (if below Minimum Balance Requirement)
- Unlimited Withdrawals On Site
- Variable Interest
- Interest Paid Quarterly
- $12 ATM Annual Fee (if not linked to QCBT checking account)
- $3 Non-QCBT ATM Transaction Fee
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $24,999.99 | 0.01% | $100.00 |
| $25,000.00 + | 0.01% | $100.00 |
1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earnings. (2)Monthly Service Charge waived for individuals 21 years old or younger; or 55 years old and over.
Quad City Stash Cash
- $1 Minimum Opening Deposit
- No Minimum Balance Requirement
- No Monthly Service Charge
- Annual Withdrawal at Renewal Date
- Variable Interest
- Interest Paid Annually
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $24,999.99 | 0.01% | $1.00 |
| $25,000.00 + | 0.01% | $1.00 |
1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change.
Quad City Money Market
- $1,000 Minimum Opening Deposit
- $1,000 Average Daily Balance Minimum Balance Requirement
- $16 Monthly Maintenance Fees (if below Minimum Balance Requirement)
- Unlimited Withdrawals On Site
- Variable Interest
- Interest Paid Monthly
- Waived Non-QCBT ATM Transactions2
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $99,999.99 | 0.23% | $1,000.00 |
| $100,000.00 - $999,999.00 | 0.98% | $1,000.00 |
| $1,000,000.00 + | 2.98% | $1,000.00 |
1Annual Percentage Yield. APY is accurate as of April 3, 2023. Rates are subject to change. Fees may reduce earnings. 2Additional non-QCBT ATM fees may apply.
Whether you're looking to invest and save for a short period or long-term, your financial future starts with the right account to help get you where you want to be. Learn about our 4.79% APY 6-month CD!2
6 Month (2)
Call us today for additional terms and rates! Additional rules and early withdrawals penalties may apply.
- $500 Minimum Deposit
- Fixed Interest
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $500.00 + | 4.79% | $500.00 |
1 Annual Percentage Yield. Annual Percentage Yield is accurate as of March 14, 2024. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. (2)6 month CD will renew into the same 6 month term. Rate for the new term will be determined at time of renewal.
Other CD terms available, call us today at 563.388.QCBT to inquire
12 Month (2)
Call us today for additional terms and rates! Additional rules and early withdrawals penalties may apply.
- $500 Minimum Deposit
- Fixed Interest
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $500.00 + | 4.51% | $500.00 |
1Annual Percentage Yield. Annual Percentage Yield is accurate as of March 14, 2024. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. (2)12-month CD will renew into the same 12-month term. Rate for the new term will be determined at time of renewal.
Other CD terms available, call us today at 563.388.QCBT to inquire