Free online checking & bill pay. No minimum balance.

Two young women laughing and discussing their finances.

All Quorum checking accounts offer you the convenience of a nationwide ATM network, online and mobile banking, online bill pay and a Debit Mastercard®. And that’s just the start. See which account is right for you. 

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  • Free checking
  • FREE ATMS, 90,000+ nationwide
  • Free online banking
  • Free mobile banking
  • Free online bill payment
  • Free Debit Mastercard® 
  • Over 5,000 Shared Service Centers
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You can also download a Checking Account Application and either mail or fax it to us

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  • All features of QClassic
  • Dividends with no minimum balance
    • - Up to $19,999: 0.10% APY*
    • - $20K and over: 0.25% APY*
  • Non-Quorum ATM fees reimbursed up
    to $15/month
  • Automatic savings transfer for
  • Requires enrollment in eStatements and minimum monthly direct
    deposit(s) totaling $1,000 or minimum average daily balance of $5,000.**
Apply Now

You can also download a Checking Account Application.

Not a member? Join us

*Annual percentage yields in effect as of 04/19/16 and subject to change. **A $10 monthly fee applies when these requirements are not met.

The basics, redefined

Features of all Quorum checking accounts.

Debit MasterCard®

Debit Mastercard®

For use wherever Mastercard® cards are accepted as well as at
any of our 90,000+ FREE ATMs nationwide.

You also receive these great benefits:

  • Zero Liability protection
  • Mastercard Global ServiceTM
  • Extended Warranty
  • Satisfaction Guarantee
  • Mastercard Airport ConciergeTM
  • Price Protection
  • Purchase Assurance®
  • ID Theft Resolution Services with Wallet Protection

Please contact 800-MCAssist to learn more about your Debit Mastercard® cardholder benefits.



Choose and receive alerts related to your accounts.

Online Bill Payment

Online Bill Payment

Receive, view and pay your bills online.

Online and Mobile Banking

Online and Mobile Banking

Check balances, move money, pay bills, make deposits and locate ATMs and shared branches. All from your PC or mobile device.

Moving Money

Move Your Money

Move funds either between your Quorum accounts or to external ones.

Direct Deposit

Direct Deposit

Have recurring deposits go directly into your Quorum account. 

Paperless Statements

Paperless Statements

Receive your statements more quickly and securely by getting them online. Plus, you'll be doing the environment a favor.

Compare Checking Accounts

Compare Checking Accounts

See features side by side

  QClassic QChoice
Monthly Service Charge None None*
ATM Fee Reimbursement - Yes**
Earns Dividends - Yes
Rate Type - Variable
Free Checks - Yes
Free Overdraft Account Transfers - Yes
Free Online and Mobile Banking Yes Yes
Free Online Bill Pay Yes Yes
Account Requirements None Yes*

* Avoid a $10 monthly fee by maintaining a minimum monthly direct deposit totaling $1,000 OR a minimum monthly average daily balance of $5,000 AND eStatements.

**ATM fees incurred will be reimbursed up to $15 per month and will be automatically deposited into your account on the 2nd business day of the following month.

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Overdraft Protection

Overdraft Protection

Three levels of protection

  • Checking Reserve Line-of-Credit: Keeps $500 or more ready for transfer should your balance fall short of your needs. All at no cost to you, with no interest charged until you use it. To apply:

    1)  Log in to online banking (we do this for your security).

    2) Under the Quick Links menu, click on "Apply for a credit card/loan"

    3) Click on "Apply for an Overdraft Line-of-Credit" to start your application

  • Automatic Transfer: Is activated when your account is at risk of being overdrawn, automatically moving funds from your savings to your checking (fees apply for QClassic).
  • Courtesy Pay: We’ll automatically pay an overdraft, for anything from bill payments to check transactions. A fee of $37 applies for each overdraft. To opt in to Courtesy Pay for your existing checking account, click here

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Refer to the Truth-in-Savings disclosure for complete terms and conditions.

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Direct Deposit

Direct Deposit

Payday without delay

You work hard for your money so you shouldn't have to wait for it. Get instant access to paycheck funds the moment they’re deposited into your Quorum account. See your HR department for more details. 

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