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—and sometimes even earlier! Make the Switch through Your Employer. Use our ABA Routing & Transit Number 221981335 and your Quorum checking or savings account information. Use the following account number formats to ensure the funds are deposited/withdrawn appropriately: For savings accounts: Provide your account number (your member number) and suffix without dashes. You can view your suffix(es) in online banking. The suffix is the four-digit number listed after the dash in the number under each account name. For checking accounts: Provide the 14-digit account number. You'll find this within online banking or the mobile app, by navigating to your checking account, then selecting Account Details. You can also find this on the bottom of your Quorum checks.

I want to open a Quorum checking/savings account. Do you perform a hard/soft pull credit inquiry when reviewing the application?

Quorum does not perform a hard pull credit inquiry for checking/savings applications. A hard pull typically happens when a lender checks your credit report to make a lending decision and can slightly lower your credit score temporarily. This record typically stays 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 your 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 your credit score in any way.

What is Quorum's Early Direct Deposit?

Quorum’s Early Direct Deposit* transfers your paycheck from your employer into your checking or savings account a few days before your actual payday (typically, between 2 -5 days earlier). To take advantage of Early Direct Deposit, you must have direct deposit set up to your Quorum checking or savings account. Once it’s set up, there’s nothing else you need to do: you’ll start seeing deposits earlier than expected! *Early availability is not guaranteed and may vary from deposit to deposit. See our Truth in Savings Disclosures for more information.

Can I switch checking accounts?

Yes, it’s easy to switch checking accounts. Follow the steps below to get started: Log in to online/mobile banking. Select Account Services. Under More Services, click Checking Account Change Request. Complete the form, and then click Submit. Note: If you are trying to switch to a new QFlex Checking and you have an existing Overdraft Line-of-Credit (Checking Reserve) linked to the checking account you are attempting to switch from, you must close your Overdraft Line-of-Credit (Checking Reserve) and pay off any remaining balance on that account prior to switching to QFlex Checking.

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 dcamail@ncua.gov.

Online Checking Accounts

Three checking accounts designed to move with you: QFlex, QBoost, and QClassic.

Each comes with early access to direct deposit, a Debit Mastercard, bill pay, overdraft protection, and access to 90,000+ ATMs nationwide.

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Choose the spending account that works for YOU.

Looking for a no-frills, get er’ done checking account with no fees? Or how about an account that lets you earn more every day, refunds out-of-network ATM fees, and gives you reliable overdraft protection? Explore our suite of checking accounts.

QClassic Checking

QClassic is our basic, everyday online checking account. No monthly fees, no minimum balance requirements.

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QBoost Checking

QBoost is our highest earning checking account that lets you earn up to 4.00% APY¹ on your balance.

Learn More

QFlex Checking

QFlex gives you 5-day early direct deposit², unlimited ATM fee refunds³, overdraft protection with zero overdraft fees⁴, and more.

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Early direct deposit

Earns dividends

ATM fee refunds

No overdraft fees

Overdraft protection

Paper statement fee

Mobile deposits

Debit Mastercard

QClassic

2 days

QBoost

2 days

QFlex

5 days

Open a checking account

CHECKING ACCOUNT BENEFITS

Fully loaded checking account, that moves at the speed of life.

Mobile banking app

Manage, move, spend, save, money 24/7 with our highly-rated mobile app.

Get paid early

Set up direct deposit and get your paycheck up to five days early¹.

Move money

Fast, reliable ways to transfer or send money online.

Extra coverage

Get peace of mind with our three levels of overdraft protection.

Pay bills

Manage and pay bills in one place with our free bill payment service.

Link accounts

View all your financial accounts in one place and easily move money.

Monitor your credit

View your credit score and report, and set up credit alerts.

Spend with ease

Add your Debit Mastercard to your mobile wallet for quick, secure payments.

Over 90,000 surcharge-free ATMs, nationwide.

Plus, with benefits like unlimited²ATM fee refunds for out-of-network ATMs, you'll always have access to cash wherever you go.

Find an ATM

Open an account online in less than 5 minutes.

As with any credit union, membership is required in order to take advantage of credit union products and services. Membership is free and included in the online application. We’ll guide you through this every step of the way.

You’ll need: A valid ID, your Social Security number, and your bank account information if you want to fund your account during the application.

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Trusted by financial experts.

Quorum is consistently selected as one of the top credit unions in America.

Best Credit Union

Bankrate

Best Credit Unions, 2026

CNET

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Best Credit Unions, 2026

Yahoo! Finance

Best Credit Unions

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Best Savings Account

Bankrate

Best Credit Union for ATM Access

Buy Side from WSJ

Best Credit Union for Savings Accounts

CNBC

Best Credit Unions for Checking Accounts

Best ATM Network
CNBC

"I’ve been a member since 1978. Savings and checking, term accounts, car loans, and mortgages, all with great rates. Couldn't be happier."

Tim R.

"Quorum has been my primary bank for over 5 years, where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are also prompt to provide answers to any questions."

Sonja M.

"Have been a member for 15 years and love everything about them: have a HiQ account, QClassic checking, and a mortgage with them, too."

Sharon C.

"My family and I have several savings accounts as well as a first mortgage. I’ve just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us 24/7 access."

DCG021022

RESOURCES

Resources that help you manage your day-to-day finances.

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How to Live on One Income (Even if You Have Two!)

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It pays to do what you can to cut the costs of your health care. Learn four tips to take charge of your medical costs.

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How to Talk About Money With Your Partner

Learn six tips for having a calm, productive discussion about your finances with your partner in our article.

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15 Important Financial Steps to Take After a Spouse Dies

Learn steps surviving spouses can take to protect their finances, and their loved one’s legacy, in our article.

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Financial Steps to Take During (And After) a Divorce

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Credit Vs. Debit: Which Card is Best?

A credit or debit card gives you the freedom of never having to carry cash. But they/re not the same. Each comes with its own advantages and disadvantages.

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Summer Vacations: Planning Early Can Save You Money

Thinking through plans and booking an itinerary early can help you from going overboard on your next summer vacation.

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The Basics of Social Security Retirement Benefits

Before you give your employer your final notice, be sure you understand how Social Security retirement benefits work for you.

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Even college graduates who are employed immediately may have little to no savings in the bank. This is why cash may be the perfect college graduation gift.

Ready to open a Quorum checking account?

Quorum checking accounts are built for everyday control and easy access to your money with digital tools that help you bank simply, securely, 24/7.

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A Few Things You Should Know

1. Annual Percentage Yield (APY) is in effect as of 08/13/25 and subject to change. Terms and conditions apply. Visit quorumfcu.org/checking/qboost for details.

2. 5-Day Early Access to Direct Deposits: This feature is only available for Quorum members with a QFlex checking account. In order to establish access to this feature, two direct deposits with an aggregate total of at least $500.00 coming from the same funding source within 90 days of account opening. Visit quorumfcu.org/checking/qflex for more details.

3. ATM Fee Reimbursements:  ATM fees incurred will be reimbursed and will be automatically deposited into your account on the 2nd business day of the following month. Unlimited ATM fee refunds only apply to QFlex Checking.

4. Overdraft Protection: You will not be charged with any overdraft of non-sufficient funds fees on this account. Visit quorumfcu.org/checking/qflex for more details.

Earn 4.20% APY* on a Certificate Account.

15-Yr Fixed Mortgage

100% Online Estate Accounts

Online Checking Accounts

Choose the spending account that works for YOU.

QClassic Checking

QBoost Checking

QFlex Checking

Compare Quorum's online checking accounts.

QClassic

QBoost

QFlex

Fully loaded checking account, that moves at the speed of life.

Mobile banking app

Get paid early

Move money

Extra coverage

Pay bills

Link accounts

Monitor your credit

Spend with ease

Over 90,000 surcharge-free ATMs, nationwide.

Ready to open an online checking account?

Open an account online in less than 5 minutes.

Log in to open an account.

Trusted by financial experts.

Tim R.

Sonja M.

Sharon C.

DCG021022

Resources that help you manage your day-to-day finances.

How to Live on One Income (Even if You Have Two!)

How to Take Charge of Your Health Care Costs

How to Talk About Money With Your Partner

15 Important Financial Steps to Take After a Spouse Dies

Financial Steps to Take During (And After) a Divorce

Credit Vs. Debit: Which Card is Best?

Summer Vacations: Planning Early Can Save You Money

The Basics of Social Security Retirement Benefits

Five Reasons Why Cash Makes a Good Graduation Gift

Quorum checking account FAQs

What is Quorum's ABA Routing and Transit Number?

Do you offer Direct Deposit?

I want to open a Quorum checking/savings account. Do you perform a hard/soft pull credit inquiry when reviewing the application?

What is Quorum's Early Direct Deposit?

Can I switch checking accounts?

Are my funds insured with Quorum?

Ready to open a Quorum checking account?

A Few Things You Should Know

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Resources

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