Open a Personal Checking Account

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

QNB-Rewards Checking

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

  • Earns a 1.25% APY* Rewards Interest Rate through qualifying activities
  • Earns a 0.10% APY* Base Interest Rate if qualifications are not met
  • ATM fee refunds nationwide**
  • No minimum balance requirement
  • QNB-Online with Bill Pay service
  • QNB-Mobile
  • QNB Debit Card
  • A minimum of $25 needed to open

To qualify for Rewards Interest Rate and ATM fee refunds each monthly 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

Apply Now

*Annual Percentage Yield (APY) accurate as of 3/23/23. To qualify for rewards each monthly qualification cycle you need to: 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 (statement type equal to email). 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.

**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.


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 requirement
  • Earns interest
  • Unlimited check writing privileges
  • QNB Debit Card
  • QNB-Online Bill Pay service
  • QNB-Mobile
  • FREE Silver Lining newsletters
  • FREE Basic Checks (Two orders of basic checks per year)
  • 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

Apply Now


Prefer to open an account in-person? Visit any of our 12 convenient locations.