Quad City Bank & Trust offers multiple checking account options to add convenience for your everyday banking needs.

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
  • Free Visa® Check Card
  • Non-QCBT ATM Transactions- Four Free, $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

U Account

A free 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 Calculated - Simple
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free 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

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 Service Charge (if below minimum)
  • Variable Interest Earnings
  • Interest Calculated - Simple
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free Non-QCBT ATM Transactions
  • Check Orders - Free 1st Order QCBT Checks
  • Linked to QCBT Line of Credit* - Optional
  • Check Images Available Via Statement or Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free Phone Banking

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)
  • Variable Interest Earnings
  • Interest Calculated - Simple
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free Non-QCBT ATM Transactions
  • Check Orders - Free QCBT Checks
  • Linked to QCBT Line of Credit* - Optional
  • Check Images Available Via Statement or Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free Phone Banking

* Subject to credit approval.

** Annual Percentage Yield. Rate may change after account opening. APY is accurate as of December 1, 2019 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® Check Card credit-based transactions posted per statement cycle. If account requirements are met, the portion of your daily balance of $10,000 or less will earn 1.26% APY. Daily balances of $10,000.01 or more will earn a range of 1.26% to 0.13% APY. If account requirements are not met, the portion of your daily balance of $10,000 or less will earn 0.01% APY. Daily balances of $10,000.01 or more will earn a range of 0.01% to 0.00% 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 $20.00. Limit 2 U Accounts per Social Security Number. Member FDIC.

*** Available to customers 55 and older.