Earn More With Your Money Which option is right for you?

An interest bearing checking account with a great rate and no ATM fees.

• $50 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

_{^*APY is accurate as of April 6th, 2026 and is not an introductory rate. Rates may change after account opening.Rates will be paid only for that portion of your daily balance in each tier. 3.50% APY is for balances up to $10,000. To obtain the premium APY you must have an opening deposit of $50 and meet all of the following requirements per statement cycle for the U Account Checking account:}

• _{A minimum of 15 Visa® Debit Card transactions posted per statement cycle;}
• _{Receive your monthly statement via eStatements with a valid email address.}

_{An interest rate of 3.44% will be paid for that portion of your daily balance that is $10,000 or less. The APY for this tier will be 3.50%. An interest rate of 0.01% will be paid only for that portion of your daily balance that is greater than $10,000. The APY range for this tier will be 3.50% to 0.29%. Regardless of your balance, if you do not meet the requirements of the account, the interest rate and APY will be 0.01%.}

_{Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your Quad City Bank & Trust Visa® debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement. Transactions must have posted and settled to the account by the last business day of the statement cycle.}

_{Non-QCBT ATM Fee Refunds: ATM fees will be refunded up to a maximum of $30 per statement cycle. QCBT also provides a network of surcharge free ATMs to our clients through the Money Pass Network. We encourage you to use these surcharge free ATMs or a QCBT ATM whenever possible to avoid ATM fees.}

_{Paper Statement Fee: The U Checking Account has a $5 paper statement fee per statement cycle if the account receives paper statements.}

_{Fees may reduce earnings. Accounts closed within 90 days will be charged $25.00. Limit 2 U Accounts per Social Security Number. Member FDIC.}

Call us today for additional terms and rates! Additional rules and early withdrawals penalties may apply.

• $500 Minimum Deposit
• Fixed Interest

_{^* Annual Percentage Yield. Annual Percentage Yield is accurate as of February 23, 2026. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. $500 minimum balance requires to earn the stated APY. 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}

Call us today for additional terms and rates! Additional rules and early withdrawals penalties may apply.

• $500 Minimum Deposit
• Fixed Interest

_{^*Annual Percentage Yield. Annual Percentage Yield is accurate as of February 23, 2026. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. $500 minimum balance required to earn the stated APY. 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.}

• $1,000 Minimum Opening Deposit
• $1,000 Average Daily Balance Minimum Balance Requirement
• $16 Monthly Maintenance Fees (if below Minimum Balance Requirement)
• Unlimited Withdrawals 
• Variable Interest
• Interest Paid Monthly
• Waived Non-QCBT ATM Transactions²

_{*Annual Percentage Yield. APY is accurate as of September 26, 2025.  Rates are subject to change. Fees may reduce earnings. ²Additional non-QCBT ATM fees may apply.}