QClassic Checking Quorum’s FREE Online Checking Account with No Fees and No Minimum Balance Requirements
Keep it simple, savers! With QClassic Checking, you can access your money when you want, how you want, with no fees, and no minimum balance requirements.
At Quorum, we believe in simplicity. QClassic aims to keep your life hassle-free by offering a checking account with all you need, and none of the stress you don’t need from sneaky monthly maintenance fees or minimum balances.
Learn What Makes QClassic One of the Best Free Online Checking Accounts
No fee checking? Yes, please. We know savers want a financial institution with free checking and no minimum balance or opening deposit requirements. That’s what QClassic checking offers you. A checking account that’s always free; no strings attached.
No Monthly Fees
No Minimum Balance Requirements
2-Day Early Direct Deposit *
FREE Bill Pay Service
FREE Debit Mastercard®
Overdraft Protection Services
Optional Checks
Federally Insured Funds
Unlimited Transactions
Access your money easily with Quorum's mobile banking app.
Manage your QClassic Checking securely and with ease with Quorum’s mobile banking app. Transfer funds between accounts, send and receive money via Zelle™, deposit checks via our free mobile deposits service, pay bills, set up text or email alerts for large transactions or unusual activity, and more.
Simplify your banking experience. Download our mobile banking app today.
How to Apply for QClassic Checking Account
Become a Joint Owner on Your Child's QClassic Checking Account
QClassic Checking is designed for those who want a basic, no frills, online checking account. In many ways, it’s perfect for a young adult working towards greater financial autonomy. As a parent, you can help your child get there.
By becoming a joint owner on your child’s account QClassic checking account, you can share oversight and help monitor their finances. This allows you to help manage their money better, initiate productive discussions about the importance of developing good spending and saving habits, and help them make smart financial decisions for their future.
Two ways to become a joint owner:
The primary account holder (your child) is the only person who is allowed to add you as a joint owner on their account, and they can do this in one of the two ways outlined below. Be sure to provide your child with your personal and contact information, your SSN, and your valid ID.
- Adding a Joint Owner on a New Checking Account: During the online application process, the primary account applicant (your child) will have the option to add you as a joint owner.
- Adding a Joint Owner on an Existing Checking Account: The primary account owner (your child) will need to access and complete the “Add a Joint Owner” by logging into their online banking account. (Once logged in, select “More Services” under the “Account Services” menu, then select the “Add a Joint Owner” form. In the mobile app, they’ll need to select “More” to get to the “Account Services” menu.)
Other Helpful Resources:
Questions to Ask Before You Open or Switch Checking Accounts
The Five-S Plan for ATM Safety
The Benefits of Direct Deposit
Why Choose Quorum?
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Ready to Open an Account?
Since we first opened our doors, Quorum has been dedicated to putting our members’ best interests above all else. If you’re ready for a banking experienced that’s focused on you, join Quorum today.
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Frequently Asked Questions
I’m interested in opening a checking/savings account with Quorum. Do they perform a hard/soft pull credit inquiry when reviewing the application?
A hard pull or soft pull can occur when you open a new checking or savings accounts from an online banking, credit union, or financial institution. A hard pull (which typically happens when a lender checks your credit report to make a lending decision; for instance, when applying for a mortgage) can (temporarily) slightly lower your credit score, and will typically stay on your credit report for two years. A soft pull, on the other hand, is an inquiry performed by a financial institution on your credit report, but does not affect your credit score in any way.
When Quorum reviews a checking or savings account application, we may perform a soft pull on an applicant’s credit report through one of the three major credit reporting agencies (TransUnion, Experian, Equifax) for verification purposes, and also run the name through ChexSystems to see if there is a report in their system. Neither of these actions will impact an applicant’s credit score in any way.
Can I switch checking accounts?
Yes, it’s easy to switch checking accounts. Follow the steps below to get started:
- Log in to online/mobile banking.
- Select “Account Services.”
- Under “More Services,” click “Checking Account Change Request.”
- Complete the form, and then click “Submit.”
Please note, if you are trying to switch to a new QPlus Checking and you have an existing Overdraft Line-of-Credit (Checking Reserve) linked to the checking account you are attempting to switch from, you must close your Overdraft Line-of-Credit (Checking Reserve) and pay off any remaining balance on that account prior to switching to QPlus Checking.
I switched checking accounts types. Will my current ATM card or MICR account number change?
If you switch checking account types, your ATM card and MICR number will not change.
If you request a new checking account suffix, the MICR will change. This may also affect the checking account linked to your ATM Card.
If you need to confirm the checking account linked to your card, please either send us a secure message by logging in to online banking and clicking on “More” from the main menu, then “Message Center,” or contact us at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.
How do I set up Direct Deposit with Quorum?
To initiate a direct deposit through your employer, use our ABA Routing & Transit Number 221981335 and your Quorum checking or savings account information when setting up this service with your employer.
Please use the following account number formats to ensure the funds are deposited/withdrawn appropriately:
- For savings accounts: Provide your account number (also known as your member number) and suffix without dashes. For example, your account number is 123456 and your savings account suffix is 0000, you would use 1234560000. You can view your suffix(es) in online banking. The suffix is the four-digit number listed after the dash in the number under each account name.
- For checking accounts: Provide the 14-digit account number located on the bottom of your Quorum checks. (You do not need your member number or suffix.) You can also find this in online banking by clicking on your checking account, then the “Account Details” tab above your transaction history.
How do I make a mobile deposit?
To deposit a check using our mobile banking app, follow these instructions:
- Download the Quorum mobile banking app for iOS or Android.
- Select “Deposit” from the main menu.
- Review the Deposit Notice and then click on the ‘Got it, let’s go’ button.
- Follow the prompts to deposit your check:
- Select an eligible account from the drop down to deposit the check into.
- Enter the deposit amount.
- Tap the “Front of Check” icon and follow the on-screen prompts. The app will automatically take a picture of the front of check.
- Afterwards, the app will proceed to the “Back of Check” Image Capture screen. Follow the on-screen prompts. The app will automatically take a picture of the back of check.
- Click “Submit Deposit” to deposit your check.
Mobile Deposit is also available for iPads and other Apple/Android devices. For more information on Mobile Deposits, please click here.
Are my funds insured with Quorum?
Your Quorum accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000.
The Share Insurance Estimator, found here, can help you determine whether your accounts are established and insured appropriately. If you have already utilized the Share Insurance Estimator and still have additional questions, you can also reach out to the NCUA Consumer Assistance Center at (800) 755-1030. Representatives are available from Monday through Friday from 8 a.m. – 5 p.m. ET. You can also send an email with your questions to dcamail@ncua.gov.
Do you offer Zelle®?
Yes. Zelle is available in Quorum’s mobile banking app.
To access Zelle, follow these instructions:
- Log in to the Quorum mobile banking app.
- Click on “More.”
- Click on “Pay.”
- Click “Zelle Payments.”
- Follow the prompts to complete the enrollment process.
Please note, if you previously used your Quorum account in the standalone Zelle app, you will be forced to re-enroll in Zelle via the Quorum mobile banking app and you will no longer be able to conduct transactions with your Quorum account via the standalone Zelle app.
How do I pay my bills online?
Our FREE online bill payment service is a convenient way to receive and pay your bills online. All you need is a Quorum checking account.
Interested in learning more about our free Bill Pay service? Click here.
Are there a minimum number of deposits I have to make into a checking account per month?
There is no minimum deposit that you must make into your QClassic checking account. However, for our QChoice and QPlus checking accounts, you must meet the account requirements in order to waive a monthly service charge.
How do I set up a credit/debit card alert?
Credit/Debit Alerts will only alert you when a transaction is made using your Quorum Credit/Debit MasterCard®. Other transactions, such as checks or electronic transfers using your checking account number, will not trigger a credit/debit alerts.
How to set up card alerts:
Be sure to have your Credit/Debit Card handy before you start.
- For Credit Alerts visit: Credit Alerts Registration page
- Click on “Register Now”
- Complete registration by following the onscreen prompts.
- Once registration is complete, you’ll be automatically logged in to the Credit Card Alerts Management platform where you can set up new Alerts.
- For Debit Alerts visit: Debit Alerts Registration page
- Click on “Register Now.”
- Complete the registration by following the onscreen prompts.
- Once registration is complete, you’ll be asked to log in to the Debit Card Alerts Management platform where you can set up new Alerts.
How do I set up alerts and notifications in online banking or mobile banking?
We offer text alerts to keep you updated on your balance, account activity, upcoming payments and more! You can set up your alerts via online banking or the mobile app.
Desktop:
First, enable SMS text messages behind online banking.
- Log in to online banking.
- At the top right-hand corner of the screen, click on “Settings.”
- Click on the “Contact” tab.
- Under Phone Numbers, click on the pencil icon next to your mobile number.
- Select, “I would like to receive SMS text messages to this number.”
- Click on “Save Changes.”
Once you’ve enabled SMS text messages, you can set up an alert/notification.
- From the main navigation, under “More,” click on “Account Alerts.”
- Select any one of the main Alert options displayed on the screen. Each option will give you a list of alerts you can activate/deactivate.
- Click on the Alert you wish to set up, then choose the delivery method (SMS/Email). Please note, Alert set up options may vary based on the type of alert you choose.
- Click on “Save.”
Mobile:
First, enable SMS text messages within the mobile banking app.
- Log in to the mobile banking app.
- Click on “More” at the bottom of the screen.
- Click on “Others,” then “Settings.”
- Click on “Contact.”
- Under Phone Numbers, click on your mobile number, then switch on the “Enable SMS text messages” button.
- Click on “Save Phone.”
Once you’ve enabled SMS text messages, you can set up an alert/notification.
- Click on “More” at the bottom of the screen.
- Under More, click on “Account Alerts.”
- Select any one of the main Alert options displayed on the screen. Each option will give you a list of alerts you can activate/deactivate.
- Click on the Alert you wish to set up, then choose the delivery method (SMS/Email). Please note, Alert set up options may vary based on the type of alert you choose.
- Click on “Save.”
A Few Things You Should Know
*Early Direct Deposit: Early availability is not guaranteed and may vary from deposit to deposit. Funds availability depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Eligible deposits are electronic deposits made through the Automated Clearing House (ACH) to your personal account including but not limited to items such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for early availability.