Personal Checking

Checking Account TypeAccount Type Interest Bearing Unlimited Transactions No Minimum Balance Monthly Fee Bonus Rate ATM Refunds Special Features & Discounts
Free QNB-Rewards Checking Yes Yes Yes   Yes Yes  
Free Personal Checking   Yes Yes        
Estate Checking Yes Yes Yes        
Select 50 Yes Yes Yes        
Opportunity Account     Yes        

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

Month (2021) Cycle 05 Cycle 09 Cycle 13 Holiday
January Wed. 1/5 Tues. 1/12 Wed. 1/20* *Holiday 1/18
February Tues. 2/2 Tues. 2/9 Wed. 2/17* *Holiday 2/15
March Tues. 3/2 Tues. 3/9 Tues. 3/16  
April Tues. 4/6 Tues. 4/13 Tues. 4/20  
May Tues. 5/4 Tues. 5/11 Tues. 5/18  
June Tues. 6/8 Tues. 6/15 Tues. 6/22  
July Tues. 7/7* Tues. 7/13 Tues. 7/20 *Holiday 7/5
August Tues. 8/3 Tues. 8/10 Tues. 8/17  
September Wed. 9/8* Tues. 9/14 Tues. 9/21 *Holiday 9/6
October Tues. 10/5 Tues. 10/13* Wed. 10/19 *Holiday 10/11
November Tues. 11/2 Wed. 11/9 Tues. 11/16  
December Tues. 12/7 Tues. 12/14 Tues. 12/21  

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 check writing privileges
  • FREE QNB Check Card
  • QNB-Online Bill Pay service

On Your Way (FREE Checking for Young Adults age 14 - 23)

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

  • KOFE (Knowledge of Financial Education) - Click here to learn more about this online resource for financial education.

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

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 check writing privileges
  • FREE QNB Check Card
  • FREE newsletter, Silver Lining
  • Periodic select product specials
  • FREE Basic Checks (Two orders of 80 checks per year)
  • QNB-Online Bill Pay service
  • 25% 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 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
  • 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 (automatic and other electronic debits are not permitted). 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.

Bank On Approval for National Account Standards

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 of $35 (per item, daily limit $140) 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 positive 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.

Balance My Checkbook

Need help balancing your checkbook? Use this convenient Balance My Checkbook (PDF) form and we'll even do the math for you!