Personal Checking Accounts and Deposit Accounts
For almost a century, Quaint Oak Bank has been providing our customers with personal checking accounts, certificates of deposit, money market 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.
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.
BillPay
- 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?
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 Type | Interest Rate | Annual Percentage Yield |
|---|---|---|
| Classic Savings | 0.20% | 0.20% |
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 Type | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 6 Months | 4.34% | 4.50% |
| 12 Months | 4.81% | 5.00% |
| 18 Months | 4.58% | 4.75% |
| 2 Years | 4.11% | 4.25% |
| 3 Years | 3.87% | 4.00% |
| 4 Years | 3.87% | 4.00% |
| 5 Years | 3.87% | 4.00% |
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 Type | Interest Rate | Annual 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% |
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 Type | Interest Rate | Annual 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% |
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 10/05/2024