U Account Checking Does your checking account measure up?

It's the checking account worth checking out. Open an account below, call us at 563.388.QCBT or stop in to open yours today!

_{^*U Account Annual Percentage Yield (APY): APY is accurate as of April 6, 2026, and is not an introductory rate. Rate 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.}