Personal Checking Accounts and Deposit Accounts

For almost a century, Quaint Oak Bank has been providing our customers with personal checking accounts, savings accounts, and other personal banking services. Our unique relationship-based customer service, coupled with progressive banking solutions delivers our customers a trustworthy and forward-thinking banking experience.

Woman opening a personal bank account online with Quaint Oak Bank on a laptop

Personal Checking Account Details and Benefits

  • No Monthly Maintenance Fee
  • No Minimum Balance Requirement
  • Access to Over 55,000 Surcharge Free ATMs
  • First Order of Standard Checks Free
  • Mobile Banking with Mobile Check Deposit
  • Online Banking with BillPay

Our goal is to provide our customers with a personal checking account that makes banking convenient. For those who prefer using online banking options, Quaint Oak checking account customers can utilize our BillPay system. BillPay offers an easy, efficient, and safe way to manage your payments.  


  • Set Up Automatic Payments for All of Your Bills in One Place
  • Connect Accounts and BillPay Will Know What is Owed 
  • Any Discounts You Receive for Automatic Payments Should Still Apply
  • No Need to Send Checks – Save Money on Postage
  • Payment Processed Quicker Than a Check
  • Safe and Secure

Already have a Quaint Oak Bank personal checking account?

Young family of three around kitchen table discussing savings accounts

Savings Accounts – Investing in Your Future

It is essential that you feel confident in your finances long-term – that is why we offer a personal savings account to strengthen your financial future. A traditional and dependable source of savings, a Quaint Oak Bank savings account can ensure you peace of mind. No matter your financial goals, we want to help you find a banking solution that works for today while saving for tomorrow.

Account TypeInterest RateAnnual Percentage Yield
Classic Savings0.20%0.20%
Minimum opening balance is $25.00. Rates are variable and subject to change.

Certificates of Deposit – CD Accounts

Certificates of deposit are a great way to earn interest on a lump sum over a specified period of time. CD accounts differ slightly from traditional savings accounts; they are based on specific, fixed rate terms and interest rates. With account types ranging from 6 months to 5 years, a CD provides a higher rate of interest than a traditional savings account.

Account TypeInterest RateAnnual Percentage Yield
6 Months4.81%5.00%
12 Months4.81%5.00%
18 Months4.34%4.50%
2 Years3.87%4.00%
3 Years3.87%4.00%
4 Years3.87%4.00%
5 Years3.87%4.00%
Minimum deposit for certificates of deposit is $500.00. Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.

Personal Money Market Account

Featuring a low minimum deposit and competitive rates, Quaint Oak’s personal money market accounts are one of our most popular account types. Our money market accounts allow our customers to earn interest on their savings, while still allowing them access to their funds. Ideal for the customer who is always on the run, transfers into and out of your account are easily made with our online banking tool, BillPay. 

Account TypeInterest RateAnnual Percentage Yield
Tier 1 ($0-$999)1.95%2.00%
Tier 2 ($1,000 – $2,499)1.95%2.00%
Tier 3 ($2,500 and higher)1.95%2.00%
Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Rates are variable and subject to change.

Military Advantage Money Market Account

Quaint Oak wants to thank the people in our military for serving our country. Exclusively for military customers, a Military Advantage account provides select benefits for our Service Members and Veterans.

Learn more about our Military Advantage account options.

Account TypeInterest RateAnnual Percentage Yield
Tier 1 ($0-$999)1.95%2.00%
Tier 2 ($1,000 – $2,499)1.95%2.00%
Tier 3 ($2,500 and higher)2.00%2.05%
Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Rates are variable and subject to change. Not to be combined with any other package or programs. Surviving spouses qualify with marriage license. Military ID or Form DD214 required.
Group of people discussing the Quaint Oak Bank's savings accounts

Personal Checking Accounts and Savings Accounts with Quaint Oak

Our personal checking accounts and collection of savings accounts provide customized solutions to fit your needs. We can help you select and apply for the account that meets your needs. Contact us for more information about opening your own account. 

All Rates are Effective 07/19/2024