Personal Checking

Checking Account TypeAccount 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  
Personal Checking   Yes Yes        
On Your Way Checking   Yes Yes        
Estate Checking Yes Yes Yes        
Select 50 Checking Yes Yes Yes        
Opportunity Account     Yes        

QNB-Rewards Checking

  • Earns interest
  • Earns a bonus interest rate through qualifying activities1
  • No minimum balance
  • QNB-Online with Bill Pay service
  • QNB-Mobile
  • QNB Debit Card
  • ATM fee refunds nationwide1,2
  • 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

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 in the week. Match the date on your statement to the dates shown below to determine your cycle.

Month (2023) Cycle 05 Cycle 09 Cycle 13 Holiday
January Wed. 1/4* Tues. 1/10 Wed. 1/18* *Holiday 1/2 & 1/16
February Tues. 2/7 Tues. 2/14 Wed. 2/22* *Holiday 2/20
March Tues. 3/7 Tues. 3/14 Tues. 3/21  
April Tues. 4/4 Tues. 4/11 Tues. 4/18  
May Tues. 5/2 Tues. 5/9 Tues. 5/16  
June Tues. 6/6 Tues. 6/13 Wed. 6/21* *Holiday 6/19
July Wed. 7/5* Tues. 7/11 Tues. 7/18 *Holiday 7/4
August Tues. 8/1 Tues. 8/8 Tues. 8/15  
September Wed. 9/6* Tues. 9/12 Tues. 9/19 *Holiday 9/4
October Tues. 10/3 Wed. 10/11* Tues. 10/17 *Holiday 10/9
November Tues. 11/7 Tues. 11/14 Tues. 11/21  
December Tues. 12/5 Tues. 12/12 Tues. 12/19  

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.

1To 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.
2Non-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.

Personal Checking

A basic checking account for individuals who simply want checking!

  • No monthly fee
  • No minimum balance
  • No per check charges
  • Unlimited check writing privileges
  • QNB-Mobile
  • QNB Debit Card
  • QNB-Online Bill Pay service
  • 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
  • No per check charges
  • Unlimited check writing privileges
  • QNB-Mobile
  • QNB Debit Card
  • QNB-Online Bill Pay service
  • 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 minimum balance
  • QNB-Online access available
  • Unlimited check writing privileges
  • No monthly fee
  • QNB-Mobile
  • A minimum of $25 needed to open

Select 50 Checking

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 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

Opportunity Account

This transaction account 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.

This account features the following:

  • No minimum balance
  • In-person withdrawals, limited only by your account balance
  • Direct Deposit available
  • Online Banking and eStatements available
  • Up to 5 free money orders per month
  • QNB Debit Card which is surcharge-free at all QNB ATMs. You may withdraw no more than $500.00 or your account balance, whichever is less, per day (a day is 3:00 PM to 3:00 PM) from your Opportunity Account. You may not exceed 15 transactions per day.
  • QNB-Mobile
  • A minimum of $25 needed to open

Bank On Approval for National Account Standards

Balance My Checkbook

Need help balancing your checkbook? Use this convenient Balance My Checkbook (PDF) form.