Personal Checking Accounts 

We believe that your money should work for you, not the other way around. That’s why our personal checking accounts come with zero monthly maintenance fees and no minimum balance requirements. This means you can enjoy the full advantages of your account without worrying about hidden costs or having to maintain a certain balance. Our concierge banking structure is designed to give you peace of mind, making it easier for you to manage your finances and focus on what truly matters.   

a woman with medium tan skin typing retrieving her receipt for her transaction at the ATM from her personal checking account

Surcharge Free ATMs: Convenience at Your Fingertips

With Quaint Oak Bank, you have access to over 55,000 surcharge free ATMs nationwide. Whether you’re traveling for work, on vacation, or simply running errands, you can access your funds without incurring additional fees.

Our extensive network of ATMs ensures that you can withdraw cash effortlessly and conveniently, no matter where you are. This feature is just another way we prioritize your financial well-being and convenience.

Managing your bills has never been easier with Quaint Oak Bank’s BillPay feature. This innovative tool allows you to set up automatic payments for all your bills in one place. By connecting your accounts, BillPay will keep track of what is owed and ensure your payments are processed quickly and securely. You can save money on postage and avoid the hassle of writing and mailing checks. BillPay streamlines your bill management process, providing you with an efficient way to stay on top of your finances.

Already have a Quaint Oak Bank personal checking account?

How to Open a Checking Account

Your financial security and satisfaction are our top priorities. We understand that your time and peace of mind are invaluable—that’s why we specialize in an authentic, proven account opening experience. We believe in providing you with a personalized touch that prioritizes your security and convenience. Here’s how concierge banking works: 

We make it easy. Here’s how to open a personal checking account:  

Use Our Secure Platform: Start your journey by accessing our secure platform. Here you will begin the process of opening your checking account and validating your information.

Speak with Your Relationship Manager: Once you have completed the initial verification process, one of our relationship bankers will contact you to finalize any remaining items for validation.

Think of them as your personal financial assistant, ready to cater to your unique needs and preferences. Whether you’re managing your family’s finances, saving for your next adventure, or planning a luxury purchase, our banking team members are here to provide tailored advice and solutions. 

Enjoy Choice Service: We are available to discuss your financial goals, answer your questions, and guide you through the account opening process. This quality service ensures you receive the attention and expertise you deserve, making banking as effortless and rewarding as possible. 

a father with dark skin and dark hair bakes in the kitchen of a home with financed maintained with personal checking accounts with a little boy with dark skin and dark curly hair
woman with dark curly hair and medium skin accepts a shopping bag from a boutique owners where she has purchased clothing using funds in her personal checking account

Open a Checking Account and Take Full Advantage of the Benefits

Imagine waking up on a Saturday morning, grabbing a coffee, and knowing your finances are under control. Your bills are paid, your paycheck is direct-deposited, and you can easily check your balance with a tap on your phone. No worrying about hidden fees, trying to keep a minimum balance, or security—just simple, straightforward banking that fits into your life.

When you open a checking account from Quaint Oak Bank, you can spend less time stressing over finances and more time focusing on what matters most to you.

Use the button below to access our online account opening platform. Here, our system will begin verifying your information and prompt you to choose the account type that you’d like to open. A member of our team will contact you for any remaining items and final verification.

Concierge Banking Created with You in Mind 

By choosing Quaint Oak Bank, you’re not just opening a personal account; you’re gaining a committed advisor and a seamless, personalized banking experience.

We look forward to welcoming you to our community and providing you with the exceptional service you deserve.