QPlus Checking Account Get Paid Early with 5-Day Early Access to Direct Deposit!

You’ve heard of banks that pay two days early. What about five days early1?

With QPlus Checking, get paid five days early and say goodbye to FOMO for good. Now you can manage your money on your terms, whether it’s for an impromptu trip, a new venture, or getting some extra breathing room for your bills, so you can manage them stress-free. Plus, enjoy perks like zero overdraft fees2, unlimited ATM fee reimbursements3, and the ability to earn 1.25% APY4 on balances over $10,000.

Smiling woman views her phone for her Quorum's QPlus Checking and seeing her paycheck in her account 5 days early! Qplus Icon Qplus Earn More

The Benefits of QPlus Online Checking

We’ve eliminated the wait for payday and added a few more bells and whistles to create Quorum’s most competitive, online checking account ever! So go on: get paid early!

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5-Day Early Access to Direct Deposit1

Get paid early! With QPlus Checking, you’ll see your direct deposit in your account five days earlier, giving you better financial control and flexibility.
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Plus zero overdraft fees2

Say goodbye to overdraft fees. We’re committed to keeping your money where it belongs—with you. We’ll even cover up to $200 in overdrafts.
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Plus free ATMs3

No more worrying about finding an in-network ATM. We’ll reimburse you for all ATM fees, whether you’re 40 states from home or 40 steps from a bank.
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Plus 1.25% APY4

Make sure your hard-earned money is working for you. With QPlus Checking, you’ll earn interest on balances $10,000 and over.
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Plus 24/7 account access

Bank on your terms. Whether you’re at home or on the go, manage your accounts easily with our highly-rated mobile banking app.

How Does QPlus’s 5-Day Early Access to Direct Deposit Work?

To take advantage of 5-Day Early Access to Direct Deposit and get paid early, you must satisfy the account requirements below:

Qplus Step1

Open an Account

Open a QPlus Checking Account online. Our application takes less than five minutes to complete.
Qplus Step2

Set Up Direct Deposit

Once your account is opened, set up your monthly direct deposit with an aggregate total balance of at least $500 from the same funding source.
Qplus Step3

Enroll in eStatements

Log in to your Quorum account online or via the mobile banking app to enroll in eStatements.

When Do I Start Receiving Direct Deposit Five Days Early?

Once you’ve completed steps 1 – 3 above and we’ve validated at least two direct deposits with an aggregate balance of at least $500, you’ll start receiving your paychecks five days earlier than scheduled as an advance from Quorum. There is no additional cost for this service; you can use these funds immediately for any purpose.

When payday officially rolls around, we’ll adjust your account by deducting the amount we advanced to you, ensuring that we do not provide an overpayment. It’s important to remember that timing is essential, so please make sure that your direct deposits are active or that you have enough funds in your account when we reconcile the advance.

Young woman holds her debit card excited that she gets her paycheck 5 days earlier with Quorum's QPlus Checking

How to Apply for a QPlus Checking Account

Apply.

Use our easy, online application to open an account and become a Quorum member.

Choose.

During the application process, select QPlus Checking under the Checking Account products.

Fund.

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.

Apply Now

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.

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.

What are the QPlus Requirements?

Monthly direct deposits with an aggregate balance of at least $500 from the same funding source and enrollment in eStatements are required. A maintenance fee of $10 will be assessed for each month the account does not meet the requirements.

Log in.

Log in to your account via online banking.

Click.

Under Open, click on “Checking/Savings.”

Choose.

Select QPlus Checking from the product selection screen, then follow the prompts to complete the application.

What are the QPlus Requirements?

Monthly direct deposits with an aggregate balance of at least $500 from the same funding source and enrollment in eStatements are required.

A maintenance fee of $10 will be assessed for each month the account does not meet the requirements.

Steps for Non-Members
Steps for Current Members

Other Helpful Resources:

Why Choose Quorum?

Quorum: one of Bankrate's Best Credit Unions of 2024

One of the Best Credit Unions 2024

Bankrate

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Best Overall Credit Union Savings Account

CNBC

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One of the Top Credit Unions of 2024

CNET

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Best Credit Union of 2024 for ATM Access

Associated Press

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Best Online Banks 2024

MarketWatch

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Best Credit Unions

Business Insider

This Credit Union quickly became my bank!

This Credit Union Quickly Became My Bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

mhudson

Go with a credit union—and this a good one.

Really nice group here—they actually work with you, much like community bank ethics of banking. They are also fast and efficient. If you are tired of being gouged by the Big and Ugly banks, you should go with a credit union—and and this is a good one.

Heidi K.

I’ve been a member for over 35 years.

I've been a member of Quorum Federal Credit union for over 35 years. I highly recommend to anyone that would like low banking fees, a great banking experience and fantastic customer service.

Laurie D.

Member Reviews

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Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

I’ve been a member for over 35 years.

I've been a member of Quorum Federal Credit union for over 35 years. I highly recommend to anyone that would like low banking fees, a great banking experience and fantastic customer service.

Laurie D.

Excellent problem solvers.

I've been banking with Quorum for years. They're always very pleasant to interact with and they're excellent problem solvers. Thank you, Quorum. You're the best.

NYCBlkM4WhtM

Lifetime approval from me!

I have had checking and savings accounts for years with Quorum Federal Credit Union and have never had any problems. Therefore, when I needed a mortgage loan, I turned to Quorum. Their staff was a joy to work with. Very professional, informative and attentive to my every question, concern throughout the entire process. Quorum gets my lifetime customer approval from me.

Ruby S.

I conduct all of my banking transactions via the Mobile App.

I conduct all of my banking transactions via the mobile app. I like that I can deposit my checks, and view my account daily balances.

Marla E.

Friendly, helpful and knowledgeable representatives.

New customer. Friendly, helpful and knowledgeable representatives. They answered ALL my questions and stayed on the phone with me through the entire setup and deposit process. I hope the exceptional customer service continues. Based on my experience, so far, I would definitely recommend.

Cynthia M.

Excellence, patience and care.

Shelly's service was of excellence and she walked me through the entire claims process with ease and calmness. I greatly appreciate her customer service skills of excellence, patience and care. Thank you.

Janice J.

OUTSTANDING!

Shelly was nothing short of OUTSTANDING! Big thank you to her and her follow through.

Bob S.

Personable staff who are motivated to bring solutions.

Brand new customer. So far so good. They were able to answer all questions promptly and accurately. Will see how follow-through goes but no complaints, which is a good thing! Personable staff who are motivated to bring solutions.

Vicki P.

Highly recommend.

Amazing experience with this company for the past two years. I highly recommend.

Jorgefelix S.

Extremely helpful and knowledgeable.

The Quorum representative was extremely helpful and knowledgeable. I appreciate all she did to resolve my situation.

Carl W.

I so appreciate their time and hard work.

I want to thank Adisa, Debra, Eddie and Ellie for the excellent customer service that they gave me during the past week and a half. It made a difficult experience easier to deal with. The patience, understanding and kindness that they showed me was outstanding. They should be commended on doing their job with such expertise and professionalism. I so appreciate their time and hard work.

Mary F.

They do NOT disappoint.

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 prompt to provide answers to any questions that you may have regarding transactions with a detailed explanation of both benefits and minimum balances as well as other options to avoid fees. I encourage others to use these benefits and services offered.

Sonja M.

Friendly, knowledgeable, efficient.

Service member was friendly, knowledgeable, efficient and solved my problem quickly.

Marianne M.

Love my Credit Union.

Great experience today! We even got disconnected and she called me back after my issue was solved! Love my Credit Union.

Allison W.

Excellent customer service.

Excellent customer service. Very kind, courteous, pleasant and patient!

Vince D.

Quorum is the BOMB!

Quorum Federal Credit Union is the BOMB! Best customer service, helpful & assists with any concerns. I've banked at conventional "brick mortar" banks for 50 years. The extra benefits, better rates and customer service are by far SUPERIOR to any bank anywhere. Look them up, compare as I did then sign up. They are truly the real deal.

Gary H.

Just a wonderful credit union.

Just a wonderful credit union. Very knowledgeable people with kindness and professionalism. I’m an older gentleman, you can always call and speak with a human voice, it doesn’t have to be done on the computer. It’s a wonderful organization. If you’re looking for a credit union that offers great CD rates, great customer service, and most of all is very professional, I would recommend them to anyone that is looking for those qualities and some of the highest CD rates in the country. Quorum Federal Credit Union is all five star - first class, in my opinion.

Kin F.

Great experience being a member.

Quorum is a great credit union. The staff are always so helpful, friendly, and very patient. Great experience being a member.

Carla F.

Polite, professional, helpful.

Polite, professional, helpful. What customer service should be.

Penny W.

A safe place to put your money.

This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!

LS B.

CD and high-yield savings rates are excellent.

CD and high-yield savings rates are excellent. Decent service for an online only bank.

Celtics

Refreshing.

I was amazed at the simplicity and speed at which things were handled today. Not something you see every day in business anymore. So refreshing.

Livin C.

Great rates and service.

Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!

panslif12

Knowledgeable and friendly.

Bonnie was both knowledgeable and friendly. My issue was corrected immediately.

Catherine C.

Simply amazing.

I recently experienced an unexpected and shocking attempt to compromise my Quorum accounts online. Upon discovering this attempt, I called Quorum to investigate what was happening. Over a four-day period I spoke to numerous Quorum representatives. All were unfailingly attentive, empathetic, helpful and supportive. They answered all my questions, suggested solutions and options and listened carefully and compassionately. In short, they were simply amazing and I am eternally grateful.

Michael M.

This Credit Union quickly became my bank!

This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

mhudson

Great rates.

I've been a member of Quorum for many years. They almost always have great deposit rates and the app is super easy too!

Tbe

Very helpful and attentive.

I have been a member of Quorum for many years. They have always been helpful and very attentive. I highly recommend Quorum for financial business.

Herminia M.

Mobile deposits went perfectly.

I was very apprehensive about doing a mobile deposit. I'm still a fan of brick and mortar but that's no longer an option. I spoke to a wonderful woman named Shelley who was just amazing with patience. She informed me of a few banking options. Everything went perfectly as she walked me through the process that I chose.

B Renee B.

Very easy to navigate across the board.

Very easy to navigate across the board, making banking from home a no-effort issue.

7 reasons to smile

Our mortgage was a breeze!

Extremely professional team, our mortgage was a breeze with all the support from Mirella and Brandi. Highly recommended!

Erika V.

Tremendously patient and helpful.

Quorum customer service was tremendously patient and helpful today. I'd phoned with two problems, which were successfully addressed with a combination of patience and professionalism.

Richard B.

I was THRILLED to be able to do mobile deposits.

Since I need to use mail to deposit checks, I was THRILLED to be able to do mobile deposits. This app works better for deposits than either of the other two bank apps I use.

Kim N.

Love everything about them.

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

Sharon C.

Go with a credit union-and this is a good one.

Really nice group here; they actually work with you, much like a community bank. They are also fast and efficient.If you are tired of being gouged by the Big and Ugly banks, you should go with a credit union--and this is a good one.

Heidi K.

Great rate!

My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!

DCG021022

Very good service and rates.

Very good service and rates.

Stan L.

View all reviews

Frequently Asked Questions

How does the $0 Overdraft Feature work for QPlus Checking?

QPlus Checking waives any fees associated with transactions that cause your account to go negative by providing you with two levels of overdraft protection at no cost to you:

  • Automatic Overdraft Transfers – This is a free service that authorizes Quorum to automatically transfer funds from any of your eligible existing Quorum savings accounts to your QPlus Checking account to cover transactions that cause your account to go negative.
  • Courtesy Pay – If you do not have funds available for transfer in your other Quorum accounts, our Courtesy Pay service will kick in. Courtesy Pay is a free service for QPlus, in which Quorum will consider paying your checks, ACH and recurring debit transactions that overdraft your account, up to $200. You also have the option to opt in to our Extended Courtesy Pay service, to cover everyday debit card and ATM transactions.

Once these two levels of protection have been depleted, any transactions that may cause your account to go further negative will be automatically declined. Quorum will not charge any fees for declined transactions, returned items, or overdrafts related to QPlus Checking.

When will I receive my ATM fee refund for my QPlus checking account?

With a QPlus Checking account, you will receive unlimited ATM fee reimbursements, which will automatically be deposited into your account on the second business day of the following month.

How many 5-Day Early* Access deposits am I allowed to receive per month?

The 5-Day Early Access to Direct Deposits feature only allows for up to two funding sources per QPlus Checking account.

There is no limit to the number of direct deposits you’re allowed to receive as long as the direct deposits are coming from the two eligible funding sources. If you have more than two funding sources, you can choose which two funding sources should receive this benefit by calling (800) 874-5544, Monday through Friday between 8:30 a.m. – 7:00 p.m. ET.

What is the difference between Quorum’s Early* Direct Deposit feature and QPlus Checking’s 5-Day Early* Access to Direct Deposits?

  Early Direct Deposit 5-Day Early Access to Direct Deposits
Early Access Timing Quorum will make your direct deposit available 2-5 days early, depending on when we receive the payroll/funding information from your employer or funding source. Quorum will make your direct deposit funds available five days early, regardless of when we receive the payroll/funding information from your employer or funding source, as long as account requirements are met.
Availability Applies to all checking and savings accounts, if you have qualifying direct deposits set up, except in QPlus Accounts when the 5-Day Early Access to Direct Deposits feature is activated. Available only for QPlus. This benefit will override the Early Direct Deposit feature once activated.
Requirements Automatically kicks in for eligible direct deposits. Kicks in once the QPlus Checking account requirements are met.

 

 

How do I find out what QPlus checking account transaction was returned/declined?

QPlus checks that are declined/returned due to insufficient funds will not appear on your account transaction screen and you will not be charged a fee for these returned items. However, a Nonsufficient Fund (NSF) eNotice is generated for every returned transaction. You can access this notification within online or mobile banking under “Statements/Docs” which you will find under the “Accounts” menu.

What happens if I’m no longer receiving direct deposits from my employer or funding source?

QPlus Checking requires two monthly direct deposits of at least $500 for each direct deposit and enrollment in eStatements. If you can no longer satisfy these requirements, you will incur a fee of $10 for each month that these requirements are not met. To avoid this monthly maintenance fee, you can do one of three things:

  1. Reestablish the account requirements for QPlus by setting up the required direct deposits and enrolling in eStatements.
  2. Close your QPlus checking account. To close your account, contact Member Services by sending us a secure message via online banking or the mobile banking app, or by calling (800) 874-5544, Monday through Friday between 8:30 a.m. – 7:00 p.m. ET.
  3. Change your QPlus checking account to another checking account product. To switch your checking account, submit the “Checking Account Change Request” form via online/mobile banking.

How does Direct Deposit work?

Direct deposit is an automated process commonly used for paychecks, which allows employers to transfer money electronically into your checking or savings account, with no need for a physical or paper check.

Direct Deposit works through an electronic network called the Automated Clearing House (ACH). The ACH network is managed by the National Automated Clearing House Association, a nonprofit association known as NACHA. It administrates the movement of money through the ACH network for all U.S. banks and credit unions.

How do I set up Direct Deposits with Quorum?

To initiate a direct deposit through your employer, use our ABA Routing & Transit Number 221981335 and your Quorum checking or savings account information when setting up this service with your employer.

Please use the following account number formats to ensure the funds are deposited/withdrawn appropriately:

  • For savings accounts: Provide your account number (also known as your member number) and suffix without dashes. For example, your account number is 123456 and your savings account suffix is 0000, you would use 1234560000. 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 located on the bottom of your Quorum checks. (You do not need your member number or suffix.) You can also find this in online banking by clicking on your checking account, then the “Account Details” tab above your transaction history.

Quorum also provides a free, online service that allows you to initiate the direct deposit request online, from your Quorum online banking account. Visit this link to learn more.

Can I switch checking accounts?

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.
  • Click on “More” from the Dashboard, and then “Account Services.”
  • Under “More Services,” click “Checking Account Change Request.”
  • Complete the form, and then click “Submit.”

Please note, if you are trying to switch to a new QPlus 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 QPlus Checking.

When do I start seeing the QPlus Checking 5-Day Early Access* to Direct Deposit feature kick in so I can get paid early?

In order to establish access to this feature and get paid early, two direct deposits with an aggregate total of at least $500.00 coming from the same funding source and enrollment in eStatements must be established within 90 days of account opening. It may take two cycles for the early access to direct deposits to take effect.

Once this feature kicks in, you can expect to see up to three transactions related to QPlus:

  1. QPLUS EARLY DD – A transaction with this starting item name indicates that your 5-Day Early Access to Direct Deposit has kicked in. Your account will receive funds from Quorum that is equal to the direct deposit you set up for QPlus approximately five days prior to receiving your actual direct deposit from your funding source.
  2. Actual Direct Deposit – This is the actual direct deposit transaction from your funding source (employer, etc.)
    QPLUS ADV REPAY – A transaction with this starting item name indicates that we’ve debited back the amount that is equal to your advance (i.e., QPLUS EARLY DD). This amount will be taken from your account once the actual direct deposit transaction from your funding source comes in, or, if we do not receive the funding source at the scheduled date of direct deposit. This transaction ensures that we don’t overpay your account.

If you have any questions related to the transactions on your account, please log in to your account via our mobile banking app or online banking and send us a Secure Message.

When will I start earning dividends on my QPlus Account?

QPlus Checking lets you earn dividends on average daily balances of $10,000 and over. As long as you meet the minimum balance requirements, you will earn dividends on all funds available in your account. Your earnings are posted on your account monthly.

A Few Things You Should Know

1. 5-Day Early Access to Direct Deposits: This feature is only available for Quorum members with a QPlus 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 and enrollment in eStatements must be established within 90 days of account opening. It may take two cycles for the early access to direct deposits to take effect. Early Access funds will be credited to your account up to 5 days prior the date scheduled by the payor and is subject to change at any time. Quorum does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor. Quorum shall have no liability for payments returned as a result of insufficient funds, overdrafts or any other payment failure due to reliance on Early Access funds. Early availability of your direct deposit is not guaranteed and may vary from deposit to deposit. There is a maximum of two direct deposits that will be eligible for Early Access and a maximum of $10,000 per direct deposit will be advanced. In the event an account has more than two different direct deposits, Quorum reserves the right to determine which two are eligible for Early Access. Funds availability depends on meeting the requirements mentioned above and is subject to any additional limitations set on early availability of funds, including, but not limited to standard fraud prevention screening. The criteria we use for making funds available early are determined at our sole discretion, based on confidential criteria necessary for maintaining the security of your account and our payment services and is subject to change.

2. Overdraft Protection: You will not be charged with any overdraft of non-sufficient funds fees on this account. QPlus Checking comes with two levels of overdraft protection at no cost to you: automatic overdraft transfers and Courtesy Pay. The automatic overdraft transfers feature authorizes Quorum to transfer funds from any of your eligible existing Quorum savings/checking accounts to your QPlus Checking account to cover transactions that cause your account to go negative. Courtesy Pay allows us to consider paying your checks, ACH and recurring debit transactions that overdraft your account up to $200.

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.

4. Annual Percentage Yield (APY) is in effect as of 04/01/24 and subject to change. The current APR is 1.24%. APY and APR may change after account is opened. You must maintain a minimum monthly balance of $10,000 in order to earn this APY and rate. Balances under $10,000 will earn the Basic Savings APY and rate. Please refer to our rate sheet for current APY and rates.