I’m interested in opening a checking/savings account with Quorum. Do they perform a hard/soft pull credit inquiry when reviewing the application?

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 Qualifies as a debit card transaction for QBoost?

Using your Quorum Debit Mastercard for everyday transactions like mobile app subscriptions (think Netflix, Amazon Prime, Hulu, etc.), gym memberships, coffee runs, and grocery shopping can help you meet QBoost’s 10 monthly debit card transaction requirements effortlessly and boost your earnings.

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

You will earn the current Basic Savings Account rate. View current rates here.

Are there a minimum number of deposits I have to make into a QBoost checking account per month?

For QBoost checking accounts, you must meet the account requirements in order to waive any monthly service charge, that includes establishing and maintaining monthly direct deposits with an aggregate balance of $500.

When will I receive my ATM fee refund?

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 do I set up Direct Deposit 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. Use the following account number formats: For savings accounts: Provide your account/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. For checking accounts: Provide the 14-digit account number located at the bottom of your Quorum checks. You can also find this in online/mobile banking by clicking on your checking account, then “Account Details”.

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.

A spending account that helps you save.

Earn up to 4.00% APY¹ with QBoost Checking—plus enjoy early direct deposit and monthly ATM fee refunds.

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Why QBoost Checking is right for you.

QBoost is built for people who want easy access to their money without giving up earning potential.

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Earn up to 4.00% APY¹

On balances up to $5,000.

2-day early direct deposit²

Access your direct deposits two days early.

ATM fee refunds³

Get up to $20/month in ATM fee refunds when you use out-of-network ATMs.

How do you earn the QBoost rate?

QBoost works best when it becomes your everyday checking account. To earn the account’s higher APY, follow these three steps.

Open your QBoost Checking account online

It takes less than 5 minutes.

Set up monthly direct deposits totaling at least $500

Quorum's ABA Routing Number: 221981335

Use your Debit Mastercard

Make at least 10 debit card purchases each month.

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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MOBILE BANKING APP

Banking that moves with you.

Banking is simple, easy, and always within reach with our mobile banking app.

Access your funds early, deposit checks, send or transfer money, pay bills, and stay informed with real time account alerts.

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FAQs

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 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

"We were able to close my HELOC very quickly, and I was kept up to date the entire way through. I highly recommend Quorum for your HELOC needs!"

Monica S.

" had a wonderful experience working with Quorum to get a HELOC. The team were a joy to work with. They provided prompt responses to our questions, step-by-step instructions, and showed great attention to detail throughout the process."

Arden M.

"My husband and I both work in the mortgage business, so needless to say, we are picky about the HELOC process, because we know how it should be! The process with them was flawless, the tech platform was user-friendly, the communication was stellar, and they offer a very competitive HELOC."

Jennifer A.

"Quorum was very responsive and clear about everything from the beginning. When the application ran into issues, they went above and beyond to make sure I had all the exceptions and approvals in place for a smooth release of funds."

Nikhil B.

A Few Things You Should Know

Annual Percentage Yield (APY) is in effect as of 08/13/25 and subject to change. You must establish and maintain monthly direct deposits with an aggregate balance of $500 AND conduct at least ten debit card transactions per month in order to earn the APY and rate. Balances up to $5,000 earn 4.00% APY (3.93% rate). Balances above $5,000 earn 0.50% APY (0.49% rate). If you do not meet the requirements to earn the rate, your balances will earn 0.01% APY (0.01% rate). Dividends are paid on all funds on deposit and are posted monthly. This is a variable rate account.
Early Direct Deposit: Early availability is not guaranteed and may vary from deposit to deposit. Funds availability depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Eligible deposits are electronic deposits made through the Automated Clearing House (ACH) to your personal account including but not limited to items such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for early availability.
ATM Fee Reimbursements: ATM fees incurred will be reimbursed up to $20 per month and will be automatically deposited into your account on the 2nd business day of the following month. Paper Statement Fee: A $2.00 monthly fee will be incurred if you don’t enroll and maintain eStatements.

Earn 4.20% APY* on a Certificate Account.

15-Yr Fixed Mortgage

100% Online Estate Accounts

A spending account that helps you save.