Open a QNB Checking Account Online

At QNB Bank, we offer the opportunity to open our two most popular personal checking accounts through our online account opening portal. Apply today to get started opening a personal QNB checking account that fits your needs.

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QNB Rewards Checking

Get started on your application of our most popular personal checking account, QNB Rewards Checking.

  • Earns a 1.25% APY1 Rewards Interest Rate through qualifying activities
  • Earns a 0.10% APY1 Base Interest Rate if qualifications are not met
  • ATM fee refunds nationwide1,2
  • No minimum balance required
  • Unlimited check writing privileges
  • QNB Online Banking with Bill Pay service3
  • QNB Mobile Banking4
  • QNB Debit Card
  • eStatements5 or paper statements
  • A minimum of $25 needed to open

To qualify for bonus interest and ATM fee refunds each qualification cycle you must:

  • Have at least 1 ACH auto debit or direct deposit post and settle, and;
  • Have at least 12 QNB Debit Card purchases post and settle, and;
  • Receive eStatements via QNB Online & Mobile Banking.
Apply Now

Select 50 Checking

Select 50 offers many special features and discounts; custom-designed for customers age 50 or over.

  • No monthly fee
  • No minimum balance required
  • Earns interest
  • Unlimited check writing privileges
  • QNB Debit Card
  • QNB Online Banking with Bill Pay service3
  • QNB Mobile Banking4
  • eStatements5 or paper statements
  • FREE Basic Checks (Two orders of basic checks per year)
  • No Fee Cashier Checks and Money Orders
  • 25% off regular annual rate on Safe Deposit Boxes with Auto-Deduct from your Select 50 account
  • Special Bus Trips
  • FREE financial review with a QNB Financial Services representative
  • A minimum of $25 needed to open
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Prefer to open an account in-person? Visit any of our 12 convenient locations.

  1. Annual Percentage Yield (APY) accurate as of 1/1/25. To qualify for bonus interest and ATM fee refunds each qualification cycle you must: 1) Have at least 1 ACH auto debit or direct deposit post and settle. 2) Have at least 12 QNB Debit Card purchases post and settle. 3) Receive eStatements via QNB Online & Mobile Banking. Minimum to open account is $25 with no minimum balance requirement thereafter. Balances up to $24,999.99 receive a Rewards Interest Rate of 1.24% and an APY of 1.25% if qualifications are met. Balances above $24,999.99 receive a Regular Interest Rate of 0.35%, resulting in an APY that ranges from 1.25% - 0.53% if qualifications are met, depending on the balance in the account. Base Interest Rate of 0.10% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle during the qualification cycle. “Qualification cycle” means a period beginning on the first day of your current statement cycle through the end of the close of business of the current statement cycle. "Debit Card purchase" means any PIN or signature-based transaction performed at any location other than an ATM. Transactions may take more than three business days to post and settle from the transaction date. "Post" means a transaction that is pending final processing. Posted transactions appear in the pending section of your account history. "Settle" means a transaction that has finished processing. Settled transactions appear in the posted section of your account history. Customer must be enrolled in QNB Online Banking in order to receive eStatements. Available to personal accounts only. Limit two accounts per household.
  2. Non-QNB ATM owners/operators may charge a fee for use of their equipment. Fees may be reduced by ATM fee refunds. ATM fee refunds up to $25 provided only if qualifications are met within the qualification cycle.
  3. Requires enrollment.
  4. Messaging and data rates may apply.
  5. eStatements are available through QNB Online or Mobile Banking, which require enrollment. Data rates may apply.