Quad City Bank & Trust: A Guide to Navigating Your Finances

Quad City Bank & Trust is a trusted financial institution serving the Quad Cities region for over 100 years. With a focus on personalized service and community involvement, they offer a comprehensive range of banking and financial services to individuals, families, and businesses.

Banking Designed for You

Personal Banking:

• Checking Accounts: Free checking accounts with convenient features like mobile banking and free bill pay.
• Savings Accounts: High-yield savings accounts to help you grow your money.
• Money Market Accounts: Competitive rates and easy access to your funds.
• Certificates of Deposit (CDs): Secure investments with guaranteed returns.

Business Banking:

• Business Checking Accounts: Designed for the specific needs of businesses, with features like cash management and online banking.
• Business Savings Accounts: Earn interest on your business's excess cash.
• Business Loans: Financing solutions tailored to the needs of your business.
• Equipment Leasing: Access to essential equipment without large upfront costs.

Wealth Management and Investment Services

• Investment Planning: Personalized financial advice from certified financial advisors.
• Retirement Planning: Comprehensive strategies to secure your financial future.
• Estate Planning: Protect your legacy and minimize tax liabilities.
• Trust and Fiduciary Services: Manage assets and ensure the well-being of loved ones.

Benefits of Banking with Quad City Bank & Trust

• Local Decision-Making: Your financial decisions are made locally, ensuring quick and responsive service.
• Personalized Service: Dedicated relationship managers provide tailored guidance to meet your unique financial goals.
• Community Involvement: Quad City Bank & Trust is actively involved in supporting local businesses and community initiatives.
• Financial Security: Strong financial performance and a commitment to protecting your assets.

Common Mistakes to Avoid

• Overdraft Fees: Avoid fees by monitoring your account balance and using overdraft protection services.
• Insufficient Funds Fees: Ensure you have sufficient funds in your account to cover transactions and avoid returned item fees.
• Late Payment Fees: Pay bills on time to avoid late penalties and damage to your credit score.
• Unnecessary Fees: Review your bank statements regularly and ask about any unfamiliar fees or charges.

How to Bank with Quad City Bank & Trust

Opening an Account:

1. Visit a local branch or open an account online.
2. Provide personal or business identification.
3. Fund your account with an initial deposit.

Using Online Banking:

1. Enroll in online banking through the bank's website.
2. Set up a secure username and password.
3. Access your accounts, pay bills, and transfer funds conveniently.

Accessing Mobile Banking:

1. Download the Quad City Bank & Trust mobile app from the App Store or Google Play.
2. Log in using your online banking credentials.
3. Manage your finances on the go, anytime, anywhere.

Table 1: Personal Banking Account Features and Fees

Table 2: Business Banking Account Features and Fees

Table 3: Wealth Management and Investment Services Fees

Call to Action

Take control of your finances with Quad City Bank & Trust. Visit a branch today or open an account online. Our experienced banking professionals are ready to assist you in achieving your financial goals.