Quad City Bank and Trust (QCBT)

Earn a $300.00 bonus when you open a new qualifying consumer checking account and meet all of the following requirements within 90 calendar days of account opening (“qualifying period”). To qualify for the New Client Bonus Offer: a) Open any new consumer checking account, subject to approval, with the required minimum opening deposit; b) Use your account’s debit card* at least three (3) times during the qualifying period; c) Enroll in Personal Online Banking and receive your monthly statements electronically (e-Statements) each statement cycle. Valid email address required for e-Statement delivery; d) Account must be open for a minimum of 30 days and maintain a positive balance. The account must also be open for at least 30 calendar days and have a positive balance at the end of the “qualifying period” to be eligible for the bonus. This offer is available only to new Quad City Bank & Trust (QCBT) clients who have not held any consumer checking account with QCBT in the past 12 months. Current consumer checking clients of QCBT are not eligible for this bonus offer. Business accounts are not eligible for this promotion. Quad City Teen Checking account is not eligible for this offer. Must be a student at one of the following local colleges or universities to open an account: St. Ambrose University (Davenport, IA), Augustana College (Rock Island, IL), Eastern Iowa Community College System, Palmer College of Chiropractic (Davenport, IA), Blackhawk College (Moine, IL). Proof of enrollment required. Bonus Payment: The bonus will be deposited into your new QCBT consumer checking account within 30 calendar days after all of the qualifying requirements are met, provided the requirements were met within the “qualifying period”, the account is active and has a positive balance at the time of the bonus payment. Additional terms: Minimum opening deposit requirements range from $25 - $50, depending on the checking account type. (For Example, Bank On Checking minimum - $25 and U Account Checking- $50). This offer is limited to one bonus per customer, per account, and will be paid to the primary owner.Offer cannot be combined with other offers. Promotion ends December 31, 2026 and is subject to change without notice. Paper Statement Fee: The U Checking Account has a $5 paper statement fee per statement cycle if the account receives paper statements. APY will range from 0.00% - 3.50% depending on the account type that is opened. APY is accurate as of December 15, 2025 and is not an introductory rate. Additional account requirements will apply for the U Account Checking account to obtain the premium APY. *Qualifying Transactions for Visa® debit card requirements: Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement. All qualifying transactions must have posted and settled to the account by the last business day of the “qualifying period”.