Opening an account online will default to the $300 credit. To receive promotion, use promo Check out my gift when asked who referred you!

_{¹ New Client Bonus Offer: This bonus is offered as a choice of a gift or a cash credit to the new account. New client can choose one of the following: Yeti Cooler (retail value $300), Ninja Espresso & Coffee Barista System (retail value $250) & QCBT Tumbler (retail value $20) or a $300 credit to the account. Bonus will be awarded within 30 calendar days after all the following requirements occur provided the account has been open a minimum of 30 days: a) Open a qualifying consumer checking account; b) Set up reoccurring direct deposit totaling at least $1,000 within 90 days of opening the account; c) The debit card has been used at least once during the statement cycle. Direct deposit examples are an electronic deposit of your paycheck, pension or government benefits from your employer or the government. In person deposits at the ATM or a bank branch and person to person payments (such as Zelle, Venmo or CashApp) are not considered a direct deposit. Additional terms of the bonus offer include: Customer will be notified by the bank when they have met the bonus requirements and are eligible to pick up their gift. If you do not pick up your gift within 30 days of being notified, your gift will default to the $300 credit to the account. Accounts opened online will automatically default to the $300 credit. If choosing the gift option, gift must be picked up at our QCBT Bettendorf branch (2118 Middle Road, Bettendorf, IA 52722). Gifts will not be shipped. If the $300 credit is selected, it will be applied as a credit to the client’s account within 30 calendar days of meeting the bonus requirements. Account must be opened a minimum of 30 calendar days, be active and have a positive balance at the time bonus is paid. Only new consumer checking account clients are eligible. Business accounts are not eligible for this promotion. New client cannot have closed a QCBT checking account within the previous 12-month period. Requirements must be met within the first six months. Business accounts are not eligible for this promotion. Minimum opening deposit requirements range from $25 - $50, depending on the checking account type. (For Example, Bank On Checking minimum - $25 and U Account Checking- $50). Bonus will be reported to the IRS as applicable. Client will be responsible for any applicable taxes on the bonus or gift. Consult your tax advisor. Must be an Iowa or Illinois resident. Promotion ends 8/15/2025 and is subject to change without notice. Member FDIC. Annual Percentage Yield (APY). APY will range from 0.00% - 4.00% depending on the account type that is opened. Rate may change after account opening. APY is accurate as of June 1, 2025 and is not an introductory rate. You must have an opening deposit of $50.} 

Current Client?

Refer A Friend Bonus! Simply refer a friend to open any new checking account with Quad City Bank & Trust and you'll receive $50!²  Unlimited referral bonuses!

_{²To receive the $50 Refer-A-Friend bonus, all of the following criteria must be met: 1) Refer someone to open a qualifying checking account, which is subject to approval; 2) the debit card has been used at least once. Once the qualifying activity has been met, the $50 bonus will be paid within 30 calendar days provided both the current client and referred account are not closed or restricted at the time of payout.  Additional terms of the bonus offer include: Account must be opened a minimum of 30 calendar days and have a positive balance at time of bonus payment. Bonus will be applied as a credit to the account. Requirements must be met within 6 months. New client cannot have a previously closed QCBT checking account within the past 12 months. Only new consumer checking clients eligible. Cannot be combined with other offers. Account only eligible for Iowa and Illinois residents. Offer is subject to change without notice. Refer-A-Friend bonuses are unlimited per client and will be reported to the IRS as applicable. Clients will be responsible for applicable taxes on this bonus. Consult your tax advisor.}

_{Annual Percentage Yield will range from 0.00% - 4.00% depending on the account type that is opened. Additional account requirements will apply to the U Account Checking account to obtain the premium APY. Rate may change after account opening. Fees could reduce earnings. APY range is accurate as of April 1, 2025 and is not an introductory rate. $50 minimum opening deposit requirement. Member FDIC}

_{Important Information: Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you invite.}