Refer-a-Friend Bonus Earn Unlimited $50 Cash Rewards for Sharing QCBT

How Does the QCBT Refer-a-Friend Program Work?

Why Refer Your Friends to QCBT?

Your friends get immediate access to premier financial perks, including:

• Trusted Community Banking: Local service with a focus on community impact.
• Advanced Digital Tools: Modern online portals, mobile banking app access, and instant debit card deployment.
• Competitive Account Tiers: High-performance products, including our signature premium U Checking Account.

Qualifying Requirements to Earn Your $50 Bonus

To successfully claim the $50 cash credit, the newly referred client must complete the following actions within 90 calendar days of account opening:

1. Provide Referral Name: Enter the referring client's name exactly as it appears on their account when applying online, or state it clearly to the banker in person.
2. Fund the Account: Deposit a minimum opening balance of at least $50 into the new checking account.
3. Activate Your Debit Card: Order a new QCBT Visa® Debit Card at account opening, receive it, and fully activate it.
4. Make a Qualifying Purchase: Use the new debit card at least once for a point-of-sale transaction (using a PIN, signature, contactless, or mobile wallet). Note: ATM cash withdrawals do not qualify.

Frequently Asked Questions About Referral Rewards

_{* To receive the $ 50 Quad City Bank & Trust (QCBT) Refer-A-Friend bonus, refer a new client to open a consumer checking account (subject to approval) and all of the following requirements have been met on the new client’s account within 90 calendar days of account opening (“qualifying period”):}

• _{Account has been funded with a minimum of $50;}
• _{QCBT Visa Debit Card ordered at the time of account opening, received and activated;}
• _{The QCBT Visa Debit Card has been used at least once before the end of the “qualifying period”.}

_{Qualifying VISA® debit card transactions are point-of-sale transactions made with your QCBT 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 qualify. 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 “qualifying period”.}

_{Additional terms of the Refer-A-Friend bonus offer: New client’s account must be opened a minimum of 30 calendar days and have a positive balance at time of bonus payment. New client cannot have a previously closed QCBT checking account within the past 12 months. Only new consumer checking clients eligible. Cannot be combined with other offers. Must be an Iowa or Illinois resident to open an account and be eligible for the offer. This $50 Refer-A-Friend bonus is an ongoing offer however the bank has the right to change the offer at any time without notice.  Refer-A-Friend bonuses are unlimited per client and will be reported to the IRS as applicable. Clients will be responsible for applicable taxes on this bonus. Consult your tax advisor.}

_{Refer-A-Friend Bonus Payment: If all qualifying activity has been met on the new client’s account, the Refer-A-Friend bonus will be paid to both the new and existing clients within 30 calendar days after all of the qualifying requirements are met, provided both the current client and new client accounts are not closed at the time of payout. Bonuses will be applied as a credit to the new client account and referring client’s account.}

_{Annual Percentage Yield (APY) will range from 0.00% - 3.50% depending on the account type that is opened. APY range is accurate as of August 1, 2026 and is not an introductory rate. $Additional account requirements will apply to the U Account Checking account to obtain the premium APY.  Rate may change after account opening. Fees could reduce earnings. $50 minimum opening deposit requirement for all consumer checking account, with the exception of BankOn Checking and Teen Checking, which require a $25 minimum opening deposit. Visit www.qcbt.com for more information on our consumer checking account products. Member FDIC}

_{Important Information: Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you invite.}