QChoice and QClassic Personal Checking Accounts Free Online Checking, Bill Pay, and all the Perks of a Debit Mastercard
Sign up for one of our personal checking accounts and enjoy Quorum’s free, online and mobile bill payment service, Debit Mastercard, mobile deposits, three types of overdraft protection services, access to over 90,000 ATMs nationwide, and so much more!
The Best Online Checking Account is the One That's Good for You.
Looking for a no-frills, get er’ done checking account with no fees? Or how about an account that gives you a little somethin somethin back each month in addition to ATM reimbursement? At Quorum, we’re all about helping you simplify your daily, personal banking needs. That’s why we designed two checking accounts with your lifestyle and preferences in mind:
Enjoy the benefits of an everyday checking account with no strings (or monthly fees) attached.
- FREE ATMS (90,000+ nationwide).
- FREE Debit Mastercard®.
- FREE Bill Pay Service.
- Access to Priceless Mastercard® special offers.
- Easy account switches and direct deposit via ClickSWITCH.
- Overdraft protection services.
Looking for a checking account that earns dividends? QChoice has all the benefits of QClassic, plus:
- Up to $15/month in ATM fee reimbursements*.
- The ability to earn dividends. Click here to view current rates >
- Account Requirements: eStatements and minimum monthly direct deposit(s) totaling $1,000 or minimum average daily balance of $5,000. A $10 monthly fee applies when these requirements are not met.
Let’s Talk About Direct Deposit, Free Bill Pay, Electronic Transfers, and More.
Quorum checking accounts come fully loaded with our free online and mobile banking services. In addition to accessing your account, analyzing your transactions with our interactive spending analytics tool, and downloading your statements, here are some of the other convenient things you can take advantage of:
Free Bill Payment Service
Easy Direct Deposit or Account Switches via ClickSWITCH
Fast Electronic Transfers
More Control Over Your Debit Card
Greater Peace of Mind with Overdraft Protection
More Savings Powered by LifeMart
Ready to Start? Here's How:
Use our easy, online application to become a Quorum member and open an account with us.
During the application process, you can choose to open any savings product(s) you like.
Once you’ve chosen the product(s) you wish to open, you’ll have the opportunity to fund your account(s) before submitting your application.
What is a Quorum membership?
As with all credit unions, in order to take advantage of Quorum’s products and services, you must be eligible to join Quorum. Quorum membership is free and part of our online application.
Learn more about Quorum membership eligibility here.
How long does this application take?
The online application takes less than 5 minutes to complete! Once you submit your application, it may take between 24-48 hours to establish your account.
What do I need to apply?
- You will be asked to provide a valid ID, your SSN, and banking information.
- You must be at least 18 to open an account with us online.
- On average, the application takes about 5 minutes to complete.
Log in to your account via online banking.
Under Open, click on “Checking/Savings.”
Select the product you wish to open, then follow the prompts to complete the application.
How many accounts can I open?
There’s no limit to how many online banking accounts you can open!
How much money do I need to deposit?
Minimum deposit requirements will vary depending on the type of account you open. You’ll find account requirements for each account as you go through our online application or in the individual product pages on our website.
Are there additional fees?
Term Accounts are fixed and have no additional fees. And so long as you go with eStatements, even our liquid HighQ Savings Accounts have zero monthly fees.
We’ve Got You Covered with Three Levels of Overdraft Protection***
Nobody wants an overdraft fee or declined charges from an overdrawn account. Although the simplest way to avoid overdraft fees or rejected transactions is to keep a positive account balance and ensure that you have enough money in your account to cover your transactions, we understand that sometimes overdrawing on your account happens.
That is why we offer three types of overdraft protection, so we can help you avoid steep fees, rejected transactions, and other inconveniences that may arise from an overdrawn account.
Checking Reserve Line-of-Credit:
- Log in to online banking
- Click on More, then “Credit Card and Personal Loan Application”
- Click on “Continue"
- Click on "Get a personal loan”, then "Apply for a Checking Reserve" to start your application
How does Courtesy Pay work?
When you charge your checking account for more money than you have available, Courtesy Pay allows us to honor your transaction for a fee of $37 per transaction so you can avoid the inconvenience of returned checks, rejected transactions, and costly fees. And while we cover the overdrawn transactions on your account, you can focus on keeping your account(s) current!
Courtesy Pay will only kick in after all applicable Overdraft Protection options you have available on your account (i.e. Checking Reserve Line-Of-Credit and/or Overdraft Transfers from Savings) have been utilized.
What types of transactions does Courtesy Pay cover?
When you opt-in to Courtesy Pay, we will cover the following standard transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
- Electronic transfers (ACH debits)
- Recurring debit transactions (e.g., gym membership)
- We also offer additional coverage that will allow us to cover ATM and everyday debit card transactions. You will need to specifically authorize us to do this during the Courtesy Pay opt-in process.
Other Helpful Resources:
Questions to Ask Before You Open or Switch Checking Accounts
The Five-S Plan for ATM Safety
The Benefits of Direct Deposit
Frequently Asked Questions
I’m interested in opening a checking/savings account with Quorum. Do they perform a hard/soft pull credit inquiry when reviewing the application?
A hard pull or soft pull can occur when you open a new checking or savings accounts from an online banking, credit union, or financial institution. A hard pull (which typically happens when a lender checks your credit report to make a lending decision; for instance, when applying for a mortgage) can (temporarily) slightly lower your credit score, and will typically stay on your credit report for two years. A soft pull, on the other hand, is an inquiry performed by a financial institution on your credit report, but does not affect your credit score in any way.
When Quorum reviews a checking or savings account application, we may perform a soft pull on an applicant’s credit report through one of the three major credit reporting agencies (TransUnion, Experian, Equifax) for verification purposes, and also run the name through ChexSystems to see if there is a report in their system. Neither of these actions will impact an applicant’s credit score in any way.
What is Quorum's ABA Routing and Transit Number?
Quorum’s ABA Routing and Transit Number is 221981335.
A routing number is a 9-digit code used to identify financial institutions in electronic transactions. You can always find our routing number in the lower left-hand corner of your checks:
Do you offer Direct Deposit?
Yes! When your electronic deposits—including paychecks and social security payments—are deposited directly into your Quorum checking account, you get immediate access to your money. Your funds are available as soon as they’re deposited.
Whether this is the first time you’re setting up direct deposit or simply want to switch it to Quorum, we make it easy for our members with ClickSWITCH. It takes about two minutes to initiate a switch in online banking. Simply log in to online banking and from the Dashboard, click on “More,” then “ClickSWITCH.” ClickSWITCH will initiate the change with your employer and notify you once the switch is complete.
Refer to How do I set up direct deposit? to get started.
Can I switch checking accounts?
Yes, it’s easy to switch checking accounts. Follow the steps below to get started:
- Log in to online banking.
- Click on “More” from the Dashboard, and then “Additional Services.”
- Under “Checking Account Services,” click “Checking Account Change Request.”
- Complete the form, and then click “Submit.”
I switched checking accounts types. Will my current ATM card or MICR account number change?
If you switch checking account types, your ATM card and MICR number will not change.
If you request a new checking account suffix, the MICR will change. This may also affect the checking account linked to your ATM Card.
If you need to confirm the checking account linked to your card, please either send us a secure message by logging in to online banking and clicking on “More” from the main menu, then “Message Center,” or contact us at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.
How do I order QChoice free checks?
If you have opened a QChoice checking account and checks were requested at the time of opening, your free checks and your Mastercard debit card will arrive in five to seven business days.
To order free checks, all you need is our Routing Number (221981335) and your 14-digit MICR account number. This can be found at the bottom of one of your existing checks, or in online banking: from the Dashboard, click on “Accounts” and then select the “Account Details” tab.
If you have moved from another Quorum checking account to a QChoice account, your existing Mastercard debit card and 14-digit MICR account number will remain the same. You can continue to use your current checks or order free checks here.
To receive free checks, please note that you will need to order the specific style for the QChoice Checking; this style is called Sky Blue Alliance.
Are my funds insured with Quorum?
Your Quorum accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000.
The Share Insurance Estimator, found here, can help you determine whether your accounts are established and insured appropriately. If you have already utilized the Share Insurance Estimator and still have additional questions, you can also reach out to the NCUA Consumer Assistance Center at (800) 755-1030. Representatives are available from Monday through Friday from 8 a.m. – 5 p.m. ET. You can also send an email with your questions to email@example.com.
How does a checking account differ from a personal savings account?
Checking accounts allow you to access your money to shop, pay bills or withdraw cash from locations across the globe. They are well-suited to pay for your daily or recurring expenses. A regular savings account, on the other hand, offers the added benefit of earning higher dividends, or a compounded return on the funds you deposit over time. These dividends compound at intervals set by the financial institution, but usually occurs either annually, quarterly, monthly, or daily. (Quorum compounds dividends monthly.)
Savings accounts are, by design, not suited to pay for daily purchases. In fact, they are limited by federal Regulation D to no more than six withdrawals per month. If your monthly budgeting and bill payment plan requires multiple transfers each month from a savings account, or you believe you may routinely exceed six transfers per month, consider a checking account, or setting up multiple savings accounts.
A Few Things You Should Know
**Bill Pay: You’ll see if your service provider allows this feature once you enter their information in the system.
***Overdraft Protection: Please refer to the Truth-in-Savings disclosure for complete terms and conditions.