Quad City Bank & Trust will be closed Monday, October 12th in observance of Indigenous Peoples' Day. All branches will re-open on Tuesday, October 13th. 

Protect your identity and personal data. Bring your old statements, receipts, and confidential paperwork to Quad City Bank & Trust for secure, on-site destruction completely free of charge.

  • Date: Thursday, October 15, 2026
  • Time: 9:00 AM – 12:00 PM
  • Location: Brady Street Branch
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

What are the encryption requirements for ACH origination?

The terms of your ACH Agreement have been updated to comply with new encryption level requirements. Your communication and transmissions in relation to ACH origination with the Bank and your Receivers must be encrypted or sent via a secure session using a commercially reasonable security technology that complies with applicable regulatory requirements. You must implement advancements to such encryption technology as they become available.

How do I properly reinitiate a returned ACH entry?

Returned entries can only be reinitiated under specific qualified circumstances:

  • Insufficient Funds: Limited strictly to two retry attempts for NSF or Uncollected returns. 
  • New Authorization: Requires a Stop Payment entry paired with a new authorization. 
  • Corrective Action: Permitted when the Originator resolves the original return reason. 

Critical Entry Description Formatting Rule:

Reinitiated qualified returns must use the exact Company Entry Description RETRY PYMT in capital letters, which supersedes any original entry descriptions.