BANKING SYSTEM UPGRADE NOTICE
We're enhancing your banking services April 3rd - April 6th, 2026. Learn More: QCBT › Deposit Account Update 2026
We're enhancing your banking services!
We’re excited to share that Quad City Bank & Trust (QCBT) is upgrading our banking system April 3-6, 2026, to better serve you and enhance your overall banking experience. There’s nothing you need to do at this time. We’ve taken care of everything to make sure this is a smooth transition.
As we are preparing for this important update, we’d like to inform you of some upcoming dates:
- Transactions completed on Friday, April 3, 2026, will show in your current balance on Monday, April 6, 2026.
- No ATM deposits will be accepted after 5:00 p.m. on Thursday, April 2- April 6.
- Check deposits through online banking (inclusive of remote deposit capture/check deposit on mobile banking) will not be available from April 3-April 6.
- During this upgrade window from April 3-April 6, online banking, Zelle and telephone banking will be unavailable. Our Client Care team will be available on Saturday, April 4 from 8am-2pm at 563.388.QCBT.
- All branches will close at 4:00 p.m. on Friday, April 3.
- All branches will be closed on Saturday, April 4, 2026. ATMs will be available for withdrawals only. Debit cards can be used for purchases and withdrawals during this time.
- Our Client Care team will be available extended hours to assist you on Saturday, April 4 from 8am-2pm. They can be contacted at 563.388.QCBT or QCBTCustomerCare@qcbt.com.
- Normal business hours will resume on Monday, April 6, 2026.
- Treasury Management Clients will receive separate communication with several pertinent deadline updates relevant to the conversion timeframe.
To help you feel prepared, the information below outlines key updates you can expect, including improvements to our systems and services. Please note that some services are changing; details of changes are included.
As part of our upgrade, customers will receive two statements for the month of April. One will be an interim statement with information from the first day of the current statement cycle through April 2, 2026. The other will be the information from April 3, 2026, through the normal statement date. Consumer checking account service charges will be waived for the month of April.
Additional Important Information Effective April 6, 2026
Person-to-Person Deposits Using Your Debit Card - The close of business for person-to-person deposits that are proceed on your QCBT debit card is changing to 2:00 p.m. Any deposits after the cutoff of 2:00 p.m. or on any day we are not open will be processed on the next business day.
Telephone Banking (iTalk) - Clients who call in to do telephone banking may receive a prompt to change their PIN. Please listen carefully to the menu options as they may be changing. Authentication will be needed to complete enrollment sequence. Clients must complete re-enrollment within 30 days. Please contact Client Care at 563.388.QCBT if completing re-enrollment after 30 days.
My Card Rules Debit Card Control - As part of the upgrade, the current card controls within online banking will be updated and will be unavailable beginning on March 30. Clients will be prompted to re-enroll their cards to enable preferred alerts and transaction controls.
Zelle - Zelle will be unavailable throughout the conversion period through April 6. A full re-enrollment in Zelle will be necessary at this time inclusive of payee set-up and recurring payments. We recommend recording that information from your existing Zelle setup prior to this period to aid in re-enrollment. Other changes to Zelle after April 6 include the following: split payments will no longer be available through Zelle. Standard transaction dollar limits of $2,000/day, $2,500/week and $10,000 total/month will apply. Transaction limits of 5/day, 25/week and 100/month will apply. If you have questions regarding these limits, please contact our Client Care team at 563.388.QCBT.
Check Images - Beginning on April 3, your historical check images will be unavailable for a period of time. Please contact our Client Care team at 563.388.QCBT for any check images needed.
Stash Cash - Holiday accounts will pay out funds on October 31, 2026. All vacation and non-holiday accounts will pay out funds on May 15, 2026.
Bill Pay Changes (iPay) - Sufficient funds will need to be in the account in order to process scheduled bill payments. If there are insufficient funds and consumer does not have Courtesy Pay or any other type of overdraft protection in place, payments could be delayed.
Statements - Our statements will have a new look beginning on April 6, 2026. Please download your statement prior to April 2, 2026, if you need access to your statement over the weekend of April 2 - 5.
- 2 options will be available to access your statements. Client may select date of statement:
- Statements available prior to April 6
- Statements available after April 6
Effect on Closing an Account – If you close your interest-bearing account before interest is credited, you will not receive the accrued interest for that statement cycle.
Courtesy Pay and Courtesy Pay Plus
Important updates to our overdraft services program: As part of QCBT’s conversion, we are updating the way our current Courtesy Pay and Courtesy Pay Plus overdraft service program works, including internal overdraft coverage limits.
Courtesy Pay generally applies to checks, automatic bill payments/ACH payments, online Bill Pay transactions, and recurring debit card transactions.
Courtesy Pay Plus (for consumer accounts only) applies to ATM and everyday debit card transactions when you choose to opt-in to this service.
Courtesy Pay and Courtesy Pay Plus use internal criteria to determine the amount of overdraft coverage that may be available. Those internal limits are changing. As a result, you may notice a difference in how much your account may be overdrawn before items are declined.
If you are currently enrolled in Courtesy Pay, you will automatically remain enrolled when these changes take effect. No action is required to continue coverage. For consumer accounts only, Federal law requires your consent before we may charge overdraft fees for ATM and everyday debit card transactions. If you have previously provided consent to opt-in to Courtesy Pay Plus for ATM and everyday debit card transactions, that election will carry over unless you choose to change it. As a reminder, overdraft coverage is discretionary and not guaranteed which means QCBT may decline to pay an item.
Participation in Courtesy Pay and Courtesy Pay Plus is optional. If you do not wish to continue overdraft coverage under the updated program, you may unenroll or change your Regulation E election at any time by contacting us. Quad City Bank and Trust offers additional overdraft protection plans, such as a link to another QCBT deposit account (Courtesy Transfer) and Courtesy Line of Credit* overdraft protection, which may be less expensive than our standard practices.
*Must apply with a bank representative. Subject to credit approval.
We will use the Current Balance (also known as your end of day balance) of your account to determine whether your account is overdrawn, that is, whether you have enough funds in your account to pay transactions that are presented for payment. Your Current Balance does not include any pending transactions that have not settled against the account.
- Deposits and credits post first.
- Withdrawals post next in this specific sequence:
- Pay First items (cash/checks for cash): By check number (lowest first), then by amount (lowest to highest)
- ATM withdrawals: By amount (lowest to highest)
- One-time POS transactions: By type, then by amount (lowest to highest)
- Recurring POS transactions: By amount (lowest to highest)
- Internal loan payments: By amount (lowest to highest)
- ACH withdrawals: By amount (lowest to highest)
- Checks: By check number (lowest first)