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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. Open an account online in minutes or stop in to any Quad City Bank & Trust location today to speak with an account representative.


Compare and Open Your Account Online Today!

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


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(2)
  • 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
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $10,000.00 1.26% $100.00
$10,000.01 + 0.01% $100.00

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

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
  • Free Visa® Check Card
  • Free Non-QCBT ATM Transactions
  • Check Orders - Free 1st Order QCBT Checks
  • Linked to QCBT Line of Credit(3) - 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

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)(4)
  • Variable Interest Earnings
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free Non-QCBT ATM Transactions
  • Check Orders - Free QCBT Checks
  • Linked to QCBT Line of Credit(3) - 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

(1) Annual Percentage Yield. APY is accurate as of December 1, 2021. Rates are subject to change. (2) 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. (3) Subject to credit approval. (4) Service fee is waived for persons 55 years of age or older.

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 Calculated - Simple
  • 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

Quad City Stash Cash

  • $1 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • No Monthly Service Charge
  • Annual Withdrawal at Renewal Date
  • Variable Interest
  • Interest Calculated - Simple
  • 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

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 Calculated - Simple
  • Interest Paid Monthly
  • Free Non-QCBT ATM Transactions
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

(1) Annual Percentage Yield. APY is accurate as of December 1, 2021. Rates are subject to change. (2) Monthly Service Charge waived for individuals 21 years old or younger; or 55 years old and over. Fees charged to Iowa customers will be subject to state and local sales tax.

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 + 0.05% $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 + 0.15% $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 + 0.25% $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 + 0.45% $500.00

(1) Annual Percentage Yield. APY rates are effective as of December 1, 2021 and are subject to change. No partial withdrawals. CD needs to be open 7 business days prior to closing the CD.