Personal Deposit Products

Personal Checking

  • No monthly maintenance fee
  • No minimum balance requirement
  • Access to over 55,000 surcharge free ATMs
  • Online Banking with Bill Pay
  • Mobile Banking with Mobile Check Deposit
  • First Order of Standard Checks Free

Minimum opening deposit $25.00.

BillPay

  • Set up automatic payments for all of your bills in one place
  • Connect accounts and BillPay will know how much 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 Account? Enroll in BillPay now!

Get Superior Rates on a Consumer Money Market Account at Quaint Oak Bank!*

Certificates of Deposit

With a $500.00 minimum opening deposit, this is a great way to earn a higher rate of interest for 6 months to 5 years.

Certificates of Deposit
Account TypeInterest RateAnnual Percentage Yield
6 Months0.79%0.80%
12 Months0.98%1.00%
18 Months1.23%1.25%
2 Years1.47%1.50%
3 Years1.71%1.75%
4 Years1.95%2.00%
5 Years1.95%2.00%
*Minimum deposit for Certificates of Deposit is $500.00. Minimum daily balance of $500.00 is required to earn the APY (Annual Percentage Yield). Certificate of Deposit accounts carry a substantial penalty for early withdrawal.

Money Market Account

For the customer who wants to limit their trips to the bank, transfers in and out are easily made with our online banking with bill pay.  All ACH (Automated Clearing House) transfers are free of charge and funds are available within 3 business days.  A low minimum deposit and attractive rates make this one of our most popular accounts.

Money Market Account
Account TypeInterest RateAnnual Percentage Yield
Tier 1 ($0-$999)0.05%0.05%
Tier 2 ($1,000 - $2,499)0.10%0.10%
Tier 3 ($2,500 and higher)0.59%0.60%

*Minimum opening deposit $25.00. Interest is paid and annual percentage yield is earned on entire balance in account.
Variable Rates – Rates may change after account is opened.

Military Advantage Money Market Account

Thank you for serving our country! The Military Advantage accounts provide exclusive benefits for our Service Members and Veterans.

Military Advantage Money Market Account
Account TypeInterest RateAnnual Percentage Yield
Tier 1 ($0-$999)0.15%0.15%
Tier 2 ($1,000 - $2,499)0.20%0.20%
Tier 3 ($2,500 and higher)0.64%0.65%

*Minimum opening deposit $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Variable Rates – Rates may change after account is opened. Not to be combined with any other package or programs. Surviving spouses qualify with marriage license. Military ID or Form DD214 required.

Savings Account

This classic account has a minimum opening deposit of $25.00.

Savings Account
Account TypeInterest RateAnnual Percentage Yield
Minimum Opening Deposit $25.000.20%0.20%

All rates are effective Wednesday, September 28th, 2022

Call Us Today: 866-795-4499

Our routing number is 236074525.