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
Refer A Friend Regular Bonus

$50 Refer-a-Friend Bonus!

Earn and enjoy unlimited rewards with our friends and family referral program!

As a special thank you for choosing Quad City Bank & Trust, we want to reward you and a friend with $50each when your friend opens any new QCBT checking account above!

* 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.

1Annual Percentage Yield will range from 0.00% - 3.00% depending on the account type that is opened. Rate may change after account opening. Fees could reduce earnings. APY range is accurate as of March 1, 2021 and is not an introductory rate. $50 bonus will be paid within 30 days of when the following occur: the account has been open a minimum of 30 days, a reoccurring ACH transaction has occurred, the debit card has been used and the account has a positive balance. Requirements must be met within the first six months. Only new checking account clients are eligible. Cannot be combined with any other offers. Minimum opening deposit requirements range from $25 - $100, with the exception of Quad City Preferred (minimum $1000 to open). The current client will receive a $50 credit into their QCBT checking account only after the new client has met these requirements. Referral slip also serves as a one-time waiver of new client’s privacy rights as detailed in the bank’s privacy policy as the referral source will be aware of this account opening. New clients may not combine this with any other promotion. Gifts are unlimited per client and will be reported to the IRS as applicable Promotion valid beginning March 2, 2021. Member FDIC.