Personal Checking
Whether you are looking for your first checking, basic checking, or an account with the opportunity to earn extra rewards, QNB Bank offers a variety of options to choose from! Plus, when you need on-the-go banking, your account can be accessed conveniently through QNB Mobile Banking4.
| Account Type | Interest Bearing | Unlimited Transactions | No Minimum Balance | Monthly Fee | Bonus Rate | ATM Refunds | Special Features & Discounts |
|---|---|---|---|---|---|---|---|
| QNB Rewards Checking | Yes | Yes | Yes | Yes | Yes | ||
| Select 50 Checking | Yes | Yes | Yes | ||||
| Personal Checking | Yes | Yes | |||||
| On Your Way Checking | Yes | Yes | |||||
| Estate Checking | Yes | Yes | Yes | ||||
| Opportunity Account | Yes |
QNB Rewards Checking
Our most popular checking account, QNB Rewards provides you the opportunity to earn higher bonus interest and ATM refunds through qualifying activities1. Plus, there is no required minimum balance to maintain in this account. Get started opening your account by applying online.
Earns Interest. Earns a bonus interest rate through qualifying activities1
No monthly fee. No minimum balance required
QNB Online Banking with Bill Pay service3
QNB Debit Card
A minimum of $25 needed to open
ATM fee refunds nationwide 1,2
Unlimited check writing privileges
QNB Mobile Banking4
eStatements5Â or paper statements
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.
QNB Rewards Checking Qualification Cycle
Your Qualification Cycle is the same as your statement cycle or when your statement prints. Checking account statements generally print on the 1st, 2nd, or 3rd Tuesday of the month, unless a holiday falls on a Monday or Tuesday in the week. Match the date on your statement to the dates shown below to determine your cycle.
| Month | Cycle 05 | Cycle 09 | Cycle 13 | Holiday |
|---|---|---|---|---|
| January 2025 | Tues. 1/7 | Tues. 1/14 | Wed. 1/22* | *Holiday 1/1 & 1/20 |
| February 2025 | Tues. 2/4 | Tues. 2/11 | Wed. 2/19* | *Holiday 2/17 |
| March 2025 | Tues. 3/4 | Tues. 3/11 | Tues. 3/18 | Â |
| April 2025 | Tues. 4/1 | Tues. 4/8 | Tues. 4/15 | Â |
| May 2025 | Tues. 5/6 | Tues. 5/13 | Tues. 5/20 | Â |
| June 2025 | Tues. 6/3 | Tues. 6/10 | Tues. 6/17 | Â |
| July 2025 | Tues. 7/1 | Tues. 7/8 | Tues. 7/15 | Â |
| August 2025 | Tues. 8/5 | Tues. 8/12 | Tues. 8/19 | Â |
| September 2025 | Wed. 9/3* | Tues. 9/9 | Tues. 9/16 | *Holiday 9/1 |
| October 2025 | Tues. 10/7 | Wed. 10/15* | Tues. 10/21 | *Holiday 10/13 |
| November 2025 | Tues. 11/4 | Wed. 11/12* | Tues. 11/18 | *Holiday 11/11 |
| December 2025 | Tues. 12/2 | Tues. 12/9 | Tues. 12/16 | Â |
What does Post & Settle mean?
- Post means a transaction that is pending final processing. These transactions appear in the Pending section of your account history.
- Settle means a transaction that has finished processing. These transactions appear in the Posted section of your account history.
Select 50 Checking
Select 50 offers many special features and discounts; custom-designed for our customers age 50 or over. Get started opening your account by applying online.
- 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
- eStatements5Â or paper statements
- FREE Basic Checks (Two orders of basic checks per year)
- No Fee Cashier Checks and Money Orders
- 25% off the 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
Personal Checking
A basic checking account for individuals who simply want checking!
- No monthly fee
- No minimum balance required
- No per check charges
- Unlimited check writing privileges
- QNB Online Banking with Bill Pay service3
- QNB Mobile Banking4
- QNB Debit Card
- eStatements5Â or paper statements
- A minimum of $25 needed to open
On Your Way Checking
A first checking account for young adults age 14-23.
- No monthly fee
- No minimum balance required
- No per check charges
- Unlimited check writing privileges
- QNB Debit Card
- QNB Mobile Banking4
- QNB Online Banking with Bill Pay service3
- eStatements5Â or paper statements
- A minimum of $25 needed to open
- KOFE (Knowledge of Financial Education) - Visit QNBbank.kofetime.com to learn more.
Estate Checking
An interest-bearing checking account designed for personal estates.
- No monthly fee
- No minimum balance required
- Unlimited check writing privileges
- QNB Online Banking with Bill Pay service3
- QNB Mobile Banking4
- eStatements5Â or paper statements
- A minimum of $25 needed to open
Opportunity Account
QNB wants everyone to have access to affordable banking, including those who may have had financial challenges and are looking to restore and rebuild their financial status. The Opportunity Account is designed for people looking to regain their financial strength and eliminate costly check-cashing fees. This is also an ideal account for those individuals who do not use checks or automatic and other electronic debits, which are not permitted with an Opportunity Account.
This account features the following:
- No monthly fee
- No minimum balance required
- In-person withdrawals, limited only by your account balance
- Direct Deposit available
- QNB Online Banking access available3
- QNB Mobile Banking4
- eStatements5Â or paper statements
- Up to 5 free money orders per month
- QNB Debit Card, which is surcharge-free at all QNB ATMs.Â
- A minimum of $25 needed to open
- 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.
- 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.
- Requires enrollment.
- Messaging and data rates may apply.
- eStatements are available through QNB Online or Mobile Banking, which require enrollment. Data rates may apply.
