Personal Savings

Online eSavings

A convenient and easy way to save online. Earns you more and saves you time!

  • Earns a premium online-only interest rate with enrollment and receipt of eStatements1
  • No minimum balance requirements and no monthly fees
  • The convenience and security of QNB eStatements
  • Unlimited ATM and in-person withdrawals
  • Online eSavings-to-Checking Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)
  • A minimum of $5 needed to open

1QNB Online Banking is required to view eStatements

Statement Savings

A practical way to save for those who want more convenient access to their accounts.

  • Earns Statement Savings Interest Rate
  • Unlimited ATM and in-person withdrawals
  • Avoid $2 monthly fee by maintaining a $100 minimum balance requirement
  • Quarterly statement (Customers receive a monthly statement for any month containing an Electronic Funds Transfer)
  • Statement Savings-to-Checking Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)
  • Debit Card access available through personal checking account/QNB Debit Card
  • A minimum of $5 needed to open

Select Money Market Account

Our entry-level Money Market account provides a higher yield on your savings with unlimited transaction limits including check writing. With its tiered balance structure, the higher your balance, the higher your rate of interest.

  • Earns interest with tiered balance structure:
    • Tier 5: $75,000 or more
    • Tier 4: $50,000 to $74,999.99
    • Tier 3: $25,000 to $49,999.99
    • Tier 2: $10,000 to $24,999.99
    • Tier 1: Up to $9,999.99
  • Unlimited ATM and in-person withdrawals
  • Unlimited transfers and check writing privileges
  • Avoid $10 monthly fee by maintaining a $1,500 average monthly balance requirement
  • Select Money Market-to-Checking Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)
  • Debit Card access available through personal checking account/QNB Debit Card
  • A minimum of $25 needed to open

Personal High Yield Money Market Account

Our highest yielding tiered balance structure Money Market. The account is designed for individuals who consistently maintain the highest of balances. It's more flexible than a CD, providing limited transaction access* to your funds, but not as flexible as our Select Money Market account.

  • Earns interest with tiered balance structure:
    • Tier 8: $2,500,000 or more
    • Tier 7: $1,500,000 to $2,499,999.99
    • Tier 6: $1,000,000 to $1,499,999.99
    • Tier 5: $750,000 to $999,999.99
    • Tier 4: $500,000 to $749,999.99
    • Tier 3: $250,000 to $499,999.99
    • Tier 2: $100,000 to $249,999.99
    • Tier 1: Up to $99,999.99
  • Avoid $25 monthly fee by maintaining a $100,000 minimum daily balance requirement
  • Limited transaction access*
  • High Yield Money Market-to-Checking Overdraft Protection* with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)
  • Debit Card access* available through personal checking account/QNB Debit Card
  • A minimum of $25 needed to open

*Transfers to another account or to third parties by preauthorized, electronic, or telephone or by check, draft, point of sale, or similar order third parties, are limited to six per calendar month. An "Excess transaction fee" will be assessed on each transaction that exceeds these limits.

Certificates of Deposit

We offer a variety of competitive, high yield Certificates of Deposit to match your needs and help you achieve your financial goals. Early withdrawal penalties may apply.

Growth Certificates

  • A minimum of $500 needed to open
  • Terms of 3 months to 60 months available
  • Compounded interest

Income Certificates

  • A minimum of $500 needed to open
  • Terms of 3 months to 60 months available
  • Interest can be transferred to other accounts
  • Simple interest paid at annual rate

IRA Certificates

  • A minimum of $100 needed to open
  • Terms of 3 months to 60 months available
  • No fees to open
  • Annual IRA statement provided

Flex12 CD

  • A minimum of $250 needed to open
  • Make unlimited deposits of $10 or more
  • One penalty-free withdrawal during 12 month term (restrictions apply)
  • Available for business and jumbo accounts

Health Savings Account

QNB offers Health Savings Accounts (HSA), which are a convenient way to manage and pay for your high-deductible health plan (HDHP) expenses. Ask for a HSA brochure at your local office to learn more about this important money-saving product.

  • No monthly fee
  • QNB HSA Debit Card
  • A minimum of $25 needed to open
  • One-time $20 fee to open account
  • QNB-Online with Bill Pay Service
  • QNB-Mobile
  • Check writing privileges

EZ Saver Clubs

Provides a flexible, convenient, and timesaving solution for a great vacation, painless school tax payment, or joyful holidays.

QuiNBy's Savers Club Account Options

(For kids from birth to age 13)

QuiNBy's Flex CD

  • Requires minimum opening deposit of $100
  • Unlimited additional deposits of $10 increments can be made any time
  • One penalty-free withdrawal during 12 month term (restrictions apply)
  • Automatic monthly transfers into your QuiNBy's Flex CD available

QuiNBy's Statement Savings

  • No-fee Savings Account just for Savers Club Members
  • Only $5 needed to open account
  • Earns Statement Savings Interest Rate

QuiNBy's Basic CD

  • Offers fixed rate of interest, terms of 12 to 60 months and only a $100 minimum to open. Early withdrawal penalties may apply.

On Your Way Savings

A basic savings account for young adults age 14-23.

  • No-fee savings account
  • A minimum of $5 needed to open
  • QNB-Online and QNB-Voice Telephone access available
  • Access available through On Your Way Checking account/QNB Debit Card