QClassic has been rated one of the best online checking accounts out there. No minimum balance requirements. Always free; no strings attached.
QClassic has been rated one of the best online checking accounts out there. No minimum balance requirements. Always free; no strings attached.
Keep whatever amount you wish in your account.
Get cash from over 90,000 free ATMs and enjoy Mastercard’s Priceless™ offers.
Get your free credit score and report, and keep track of your credit health.
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.
Once you're logged in, tap or select Open > Checking/Savings to start your application.
It takes less than five minutes to complete an application. Once you hit Submit, your account is ready to use right away!
QClassic Checking is designed for those who want a basic, no frills, online checking account. In many ways, it’s perfect for a young adult working towards greater financial autonomy. As a parent, you can help your child get there.
By becoming a joint owner, you can share oversight and help monitor their finances. This allows you to help manage their money better, initiate productive discussions about the importance of developing good spending and saving habits, and help them make smart financial decisions for their future.
QClassic pairs simple checking with digital tools that help you stay on top of your finances.
Send and receive money with Zelle, deposit checks, pay bills, move money, monitor your credit, set alerts, and more!
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Please use the following account number formats to ensure the funds are deposited/withdrawn appropriately:
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.
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.
Quorum is consistently selected as one of the top credit unions in America.
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
"Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking was comprehensive, and the rate and service were fantastic!"
"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."
"We feel so much more secure with a federal credit union than a commercial bank. Great staff and the customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. I’m glad we found Quorum."
1Early 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.