Quad City Bank & Trust Bonuses: $50, $300 Checking, Referral Promotions (IA)

Find the latest Quad City Bank & Trust bonuses, promotions, and offers here.

Update 7/11/25: There’s currently a $300 checking bonus good through 8/15/25 and a $50 referral bonus. No limits on referrals.

Quad City Bank & Trust Bonuses Review

Quad City Bank and Trust Company is headquartered in BETTENDORF and is the 6th largest bank in the state of Iowa. It is also the 452nd largest bank in the nation. It was established in 1994 and as of March of 2023, it had grown to 244 employees at 5 locations. Quad City Bank and Trust Company’s money market rates are 7X the national average, and it has an A health rating.

I’ll go over the Quad City Bank & Trust bonuses & offers below.

Quad City Bank & Trust $300 Checking Bonus

• What you’ll get: $300 Bonus
• Eligible account: Checking
• Availability: IA (Locator)
• Credit Inquiry: Hard Pull or Soft Pull? Let us know.
• Direct Deposit Required: Yes
• Monthly Fees: $0-$16; waivable
• How to earn it:
  • New client can choose one of the following: Yeti Cooler (retail value $300), Ninja Espresso & Coffee Barista System (retail value $250) & QCBT Tumbler (retail value $20) or a $300 credit to the account.
  • Bonus will be awarded within 30 calendar days after all the following requirements occur provided the account has been open a minimum of 30 days:
    • a) Open a qualifying consumer checking account;
    • b) Set up reoccurring direct deposit totaling at least $1,000 within 90 days of opening the account;
    • c) The debit card has been used at least once during the statement cycle.

(Expires 08/15/2025)

Fine Print

• New Client Bonus Offer: This bonus is offered as a choice of a gift or a cash credit to the new account.
• New client can choose one of the following: Yeti Cooler (retail value $300), Ninja Espresso & Coffee Barista System (retail value $250) & QCBT Tumbler (retail value $20) or a $300 credit to the account.
• Bonus will be awarded within 30 calendar days after all the following requirements occur provided the account has been open a minimum of 30 days: a) Open a qualifying consumer checking account; b) Set up reoccurring direct deposit totaling at least $1,000 within 90 days of opening the account; c) The debit card has been used at least once during the statement cycle.
• Direct deposit examples are an electronic deposit of your paycheck, pension or government benefits from your employer or the government.
• In person deposits at the ATM or a bank branch and person to person payments (such as Zelle, Venmo or CashApp) are not considered a direct deposit.
• Additional terms of the bonus offer include: Customer will be notified by the bank when they have met the bonus requirements and are eligible to pick up their gift.
• If you do not pick up your gift within 30 days of being notified, your gift will default to the $300 credit to the account.
• Accounts opened online will automatically default to the $300 credit.
• If choosing the gift option, gift must be picked up at our QCBT Bettendorf branch (2118 Middle Road, Bettendorf, IA 52722). Gifts will not be shipped.
• If the $300 credit is selected, it will be applied as a credit to the client’s account within 30 calendar days of meeting the bonus requirements.
• Account must be opened a minimum of 30 calendar days, be active and have a positive balance at the time bonus is paid. Only new consumer checking account clients are eligible.
• Business accounts are not eligible for this promotion.
• New client cannot have closed a QCBT checking account within the previous 12-month period.
• Requirements must be met within the first six months.
• Business accounts are not eligible for this promotion.
• Minimum opening deposit requirements range from $25 – $50, depending on the checking account type. (For Example, Bank On Checking minimum – $25 and U Account Checking- $50).
• Bonus will be reported to the IRS as applicable.
• Client will be responsible for any applicable taxes on the bonus or gift.
• Consult your tax advisor.
• Must be an Iowa or Illinois resident.
• Promotion ends 8/15/2025 and is subject to change without notice.
• Member FDIC.

Quad City Bank & Trust $50 Referral Bonuses

• What you’ll get: $50 Bonus
• Eligible account: Checking
• Availability: IA (Locator)
• Credit Inquiry: Hard Pull or Soft Pull? Let us know.
• Direct Deposit Required: Optional
• Monthly Fees: $0-$16; waivable
• How to earn it:
  • Simply refer a friend to open any new checking account with Quad City Bank & Trust and you’ll both receive $50.
  • $50 bonus will be paid within 30 days of when the following occur:
    • the account has been open a minimum of 30 days,
    • a reoccurring ACH transaction has occurred,
    • the debit card has been used and the account has a positive balance.
  • Requirements must be met within the first six months.

(Limited time offer)

Fine Print

• $50 bonus will be paid within 30 days of when the following occur: the account has been open a minimum of 30 days, a reoccurring ACH transaction has occurred, the debit card has been used and the account has a positive balance. Requirements must be met within the first six months.
• Account must be active at the time bonus is paid and will be applied as a credit to the new account.
• Only new consumer checking account clients are eligible.
• Cannot be combined with any other offers.
• Employees are ineligible.
• Minimum opening deposit requirement is $100, with the exception of Quad City Preferred (minimum $1000 to open).
• The current client will receive a $50 credit into their QCBT checking account only after the new client has met these requirements.
• Referral slip also serves as a one-time waiver of new client’s privacy rights as detailed in the bank’s privacy policy as the referral source will be aware of this account opening.
• New clients may not combine this with any other promotion.
• Bonuses are unlimited per client and will be reported to the IRS as applicable.

How To Waive Monthly Fee

• U Checking Account: No Monthly Service Charge
• Quad City Free Checking: No Monthly Service Charge
• Quad City Interest Checking: $16 Monthly Service Charge (if below minimum $750 Average Daily Balance)
• Quad City Preferred Checking: $16 Monthly Service Charge (if below minimum $10,000 Deposit Relationship Minimum Balance)
• Business Checking: Not listed
• Business Value Checking: Monthly maintenance fee waived with a $5,000 average daily collected balance or $2,500 minimum ledger balance
• Business with Interest Checking: Not listed
• Business Analyzed Checking: Not listed

Conclusion

If you live near a Quad City Bank & Trust location, you have the opportunity to earn a generous bonuses. To earn these bonuses, simply open the eligible accounts and follow the procedures and the bonuses should be in your hands!

Although these bank promotions are rather generous, you can also utilize our list of Savings, Money Market, and CD rates.

• Best Savings/Money Market rates
• Best CD Account rates

If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.

Check back often for more Quad City Bank & Trust Bonuses, Promotions, or Offers!