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Retail Banking Products

Whether you’re opening your first checking account, saving for college, or buying a house, Quad City Bank & Trust has the right account for you along with the team to guide you every step of the way. Stop in to any Quad City Bank & Trust location today to speak with an account executive.


Compare QCBT accounts below.

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


U Account

An interest bearing 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 Rate2
  • Interest Paid Monthly
  • Visa® Check Card
  • Waived Non-QCBT ATM Transactions3
  • Check Orders - Charges Vary by Design Selected
  • Check Images Available Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free Phone Banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $10,000.00 2.27% $100.00
$10,000.01 + 0.19% $100.00

1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. 2Account 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. ATM transactions do not count towards the 15 transactions total. If account requirements are met, the portion of your daily balance of $10,000 or less will earn 2.27% APY. Daily balances of $10,000.01 or more will earn a range of 2.27% to 0.19% APY. If account requirements are not met, the account will earn 0.01% 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. 3Additional non-QCBT ATM fees may apply.

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
  • Visa® Check Card
  • Non-QCBT ATM Transactions - Four Waived1, $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

1Additional non-QCBT ATM fees may apply.

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 Paid Monthly
  • Visa® Check Card
  • Waived Non-QCBT ATM Transactions3
  • Check Orders - Free 1st Order QCBT Checks
  • Linked to QCBT Line of Credit2 - Optional
  • Check Images Available Via Statement or Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free Phone Banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $749.99 0.01% $100.00
$750.00 - $19,999.99 0.01% $100.00
$20,000.00 + 0.01% $100.00

1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earning. 2Subject to credit approval. 3Additional non-QCBT ATM fees may apply.

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)2
  • Variable Interest Earnings
  • Interest Paid Monthly
  • Visa® Check Card
  • Waived Non-QCBT ATM Transactions3
  • Check Orders - Free QCBT Checks
  • Linked to QCBT Line of Credit4 - Optional
  • Check Images Available Via Statement or Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free Phone Banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $24,999.99 0.01% $1,000.00
$25,000.00 - $99,999.99 0.01% $1,000.00
$100,000.00 + 0.01% $1,000.00

1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earnings. 2Service fee is waived for persons 55 years of age or older. 3Additional non-QCBT ATM fees may apply. 4 Subject to credit approval.

Quad City Bank & Trust offers multiple savings account options to make it easier to save for your future.


Quad City Savings (2)

  • $100 Minimum Opening Deposit
  • $200 Average Daily Balance Minimum Balance Requirement
  • $6 Monthly Service Charge (if below Minimum Balance Requirement)
  • Unlimited Withdrawals On Site
    • Limit of 6 Off-Site Withdrawals/Debits Per Month
  • Variable Interest
  • Interest Paid Quarterly
  • $12 ATM Annual Fee (if not linked to QCBT checking account)
  • $3 Non-QCBT ATM Transaction Fee


    Minimum Balance for APY1 APY1 Minimum to Open
    $0.01 - $24,999.99 0.01% $100.00
    $25,000.00 + 0.01% $100.00

    1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earnings. (2) Monthly Service Charge waived for individuals 21 years old or younger; or 55 years old and over. 

    Quad City Stash Cash

    • $1 Minimum Opening Deposit
    • No Minimum Balance Requirement
    • No Monthly Service Charge
    • Annual Withdrawal at Renewal Date
    • Variable Interest
    • Interest Paid Annually


      Minimum Balance for APY1 APY1 Minimum to Open
      $0.01 - $24,999.99 0.01% $1.00
      $25,000.00 + 0.01% $1.00

      1Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change.

      Quad City Money Market

      • $1,000 Minimum Opening Deposit
      • $1,000 Average Daily Balance Minimum Balance Requirement
      • $16 Monthly Service Charge (if below Minimum Balance Requirement)
      • Unlimited Withdrawals On Site
        • Limit of 6 Off-Site Withdrawals/Debits Per Month
      • Variable Interest
      • Interest Paid Monthly
      • Waived Non-QCBT ATM Transactions2


        Minimum Balance for APY1 APY1 Minimum to Open
        $0.01 - $99,999.99 0.25% $1,000.00
        $100,000.00 - $999,999.00 0.75% $1,000.00
        $1,000,000.00 + 1.26% $1,000.00

        1Annual Percentage Yield. APY is accurate as of October 3, 2022  Rates are subject to change. Fees may reduce earnings. 2Additional non-QCBT ATM fees may apply.

        Whether you're looking to invest and save for a short period or long-term, your financial future starts with the right account to help get you where you want to be.


        6 Month

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

        • $500 Minimum Deposit
        • Fixed Interest
        Minimum Balance for APY1 APY1 Minimum to Open
        $500.00 + 0.30% $500.00

        12 Month

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

        • $500 Minimum Deposit
        • Fixed Interest
        Minimum Balance for APY1 APY1 Minimum to Open
        $500.00 + 0.40% $500.00

        18 Month

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

        • $500 Minimum Deposit
        • Fixed Interest
        Minimum Balance for APY1 APY1 Minimum to Open
        $500.00 + 0.50% $500.00

        24 Month

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

        • $500 Minimum Deposit
        • Fixed Interest
        Minimum Balance for APY1 APY1 Minimum to Open
        $500.00 + 0.70% $500.00

        1 Annual Percentage Yield. APY rates are effective as of October 3, 2022 and are subject to change. No partial withdrawals. CD needs to be open 7 business days prior to closing the CD.