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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.