Buzz Points

Personal Checking Options ($25 Minimum to Open)

Free QNB-Rewards Checking

  • Earns a super bonus rate!
  • No minimum balance
  • ATM fee refunds nationwide
  • FREE QNB Check Card


All you need to do each qualification cycle is:

  1. Have at least 1 ACH auto debit or direct deposit post and settle
  2. Have at least 12 QNB Check Card purchases post and settle
  3. Receive eStatements (statement type equal to email)
What's my 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 (dates shown in red print on the 2nd, 3rd or 4th Tuesday or Wednesday). Match the date on your statement to the dates shown below to determine your cycle.
Month Cycle#1 Cycle#2 Cycle #3 Holiday
1/15 Tues. 1/6 Tues. 1/13 Wed. 1/21* *Holiday 1/19
2/15 Tues. 2/3 Tues. 2/10 Wed. 2/18* *Holiday 2/16
3/15 Tues. 3/3 Tues. 3/10 Tues. 3/17  
4/15 Tues. 4/7 Tues. 4/14 Tues. 4/21  
5/15 Tues. 5/5 Tues. 5/12 Tues. 5/19  
6/15 Tues. 6/2 Tues. 6/9 Tues. 6/16  
7/15 Tues. 7/7 Tues. 7/14 Tues. 7/21  
8/15 Tues. 8/4 Tues. 8/11 Tues. 8/18  
9/15 Wed. 9/9* Tues. 9/15 Tues. 9/22 *Holiday 9/7
10/15 Tues. 10/6 Wed. 10/14* Tues. 10/20 *Holiday 10/12
11/15 Tues. 11/10 Tues. 11/17 Tues. 11/24  
12/15 Tues. 12/8 Tues. 12/15 Tues. 12/22  

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.

FREE Personal Checking

  • No monthly fee
  • No minimum balance
  • No per check charges
  • Unlimited checkwriting privileges
  • FREE QNB Check Card
  • QNB-Online Bill Pay service
  • FREE first order of checks

On Your Way (FREE Checking for Young Adults age 15 - 23)

All the great benefits of FREE Checking, plus...

  • FREE first order of checks
  • FREE QNB Check Card
  • Roads to a Successful Future - Visit our On Your Way page for an on-line resource for college, financial and investment information and education


EZ Checking

An interest-bearing checking account designed for those with regularly recurring (at least monthly) ACH/direct deposit from a source such as payroll or Social Security.

  • QNB-Online Bill Pay service
  • No minimum balance
  • FREE QNB Check Card
  • Unlimited checkwriting privileges
  • Avoid $10 monthly fee by maintaining a regularly recurring (at least monthly) ACH credit/direct deposit

Select 50

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

  • No monthly fee
  • No minimum balance
  • Earns interest
  • Unlimited checkwriting privileges
  • FREE photocopy service
  • FREE QNB Check Card
  • FREE newsletter, Silver Lining
  • Periodic select product specials
  • FREE Basic Checks (Two orders of 100 checks per year)
  • QNB-Online Bill Pay service
  • 40% off regular annual rate on Safe Deposit Boxes with auto deduct from your Select 50 account
  • Special Bus Trips
  • FREE financial review

Opportunity Account

This transaction account, with a low $10 per statement cycle service charge, is designed for people who have had past banking challenges and are looking for the opportunity to regain their financial strength, plus eliminate costly check-cashing fees. This is also an ideal account for those individuals who do not use checks. Automatic and other electronic debits are not permitted with an Opportunity Account.

For your $10 service charge, this account features the following:

  • No minimum balance
  • In-person withdrawals, limited only by your account balance
  • Up to five (5) free money orders per month
  • Direct Deposit available
  • Online Banking and eStatements available
  • QNB Check Card which is surcharge-free at all QNB ATMs. Withdrawals/purchases may not exceed $400.00 or your account balance, whichever is less, per day from your Opportunity Account. You may not exceed 15 transactions per day. A day is 3:00 PM to 3:00 PM

Account Coverage Overdraft Protection

Set up your eSavings, Statement Savings or Select Money Market account for overdraft transfers to your QNB Checking account. (An overdraft transfer agreement is required.)

Bounce Protection

Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.

If an overdraft is approved by using your Bounce Protection limit, you may be assessed our Overdraft Service Charge (per item, daily limit $140) of $35 for each item created by check, in-person withdrawals, ATM withdrawals or other electronic means paid under the limit.  All negative balances must be brought postitive within 30 calendar days.  QNB reserves the right not to pay if account is not kept in good standing.  Please contact a customer service representative for more details.