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WHAT DOES QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and income
account balances and payment history
credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason Queensborough National Bank & Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Queensborough National Bank & Trust Company share?
Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes—
to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes—
information about your transactions and experiences
For our affiliates' everyday business purposes—
information about your creditworthiness
We don't share
For our affiliates to market to you
For nonaffiliates to market to you
Call 478-625-2000 or go to www.qnbtrust.bank
What We do
How does Queensborough National Bank & Trust Company protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
Customer information is highly confidential and therefore only available to persons who have a need for the information to service a customer’s account or fulfill that person’s job responsibility.
How does Queensborough National Bank & Trust Company collect my personal information?
We collect personal information, for example, when you
open an account or deposit money
pay your bills or apply for a loan
use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
sharing for affiliates’ everyday business purposes - information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Queensborough National Bank & Trust Company has no affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Queensborough National Bank & Trust Company does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include an investment services company.
Effective immediately your account terms and conditions are amended to include the following:
Restricted transactions as defined by Federal Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
Queensborough National Bank & Trust maintains industry approved security systems to protect customer data from unauthorized access. It is the policy of the bank that information it has about its customers is highly confidential and is only available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility.
Queensborough National Bank & Trust is committed to protecting your right to privacy. You can help by following a few guidelines:
Protect your account numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your ATM or debit card, which can provide access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers and social security numbers to other individuals.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately.
Keep Wi-Fi networks password protected. This keeps out hackers and unauthorized users.
When you finish using online services always click on the Log Off button to exit the application and prevent unauthorized access to your account. If you are using a public PC (such as in a school or library) you should also close the browser when you are finished.
Install virus protection software on your PC and keep the software updated. Use the virus protection software to scan all other software you have downloaded to your PC and to scan diskettes before using them or downloading information from them onto your PC.
Don’t click on links in e-mails you receive requesting personal or financial information. These e-mails may appear “official” but may be part of a “Phishing Scam” designed to download malicious software (malware) onto your computer to steal personal data. The links on these e-mails may send you to fake sites.
We believe that banks that actively embrace diversity and consistently demonstrate their commitment to the communities they serve, establish a sustainable competitive advantage in the marketplace.
We proactively seek diverse suppliers. To support our community, we must include the broadest range of people, ideas, products and services possible. Our Vendor Diversity program does just that. We do everything we can to ensure that diversity-owned businesses are afforded equal opportunity to participate in our procurement processes.
To qualify for our Diversity program a business must be at least 51% owned, controlled, and managed by a minority or woman.
We encourage prospective suppliers to contact Kim Kirk, our Vendor Diversity Officer, for more information, at firstname.lastname@example.org.
In our efforts to ensure accessibility for all site visitors, Queensborough National Bank & Trust Company has partnered with AudioEye. This technology helps to ensure that all content is accessible under ADA/Web Content Accessibility Guidelines (WCAG) 2.0 Level AA Standards, as well as provides an enhanced accessibility experience using the Ally+ Toolbar functionality. This allows visitors even greater control over site content by controlling site appearance, background colors, font styles, etc. in addition to audio-playback and voice-based navigation of all site content.
The AudioEye Certification seal represents a commitment to accessibility and inclusion. The AudioEye certification process involves automatic and manual testing with the goal of meeting WCAG 2.0 Level AA Standards.
Automated and manual testing has been completed and this site has been optimized for Assistive Technology users. Regular testing will be conducted to maintain an ongoing audit of this website, which will continue to be enhanced for optimal accessibility and usability for all users.
As a first priority, Queensborough National Bank & Trust Company has leveraged the Web Content Accessibility Guidelines (WCAG) 2.0 as reference to ensure the web content made available from this site is more accessible for individuals with disabilities and user friendly for everyone.
These globally recognized best practices (as recommended by the World Wide Web Consortium – W3C) consist of three levels of accessibility measurement (A, AA, and AAA). To the greatest extent feasible, Queensborough National Bank & Trust Company has elected to conform to Level AA of these guidelines.
From this perspective, Queensborough National Bank & Trust Company’s website is monitored and tested by internal resources and by AudioEye, a 3rd-Party provider of Web Accessibility testing and monitoring. This website has been tested using a variety of assistive technologies.
While many web browsers will support an assistive view of the website, we recommend using the following web browser / screen reader combinations for an optimized experience:
To utilize the bank’s Online Banking service, the vendor used for this service recommends the following web browser / screen reader combinations for an optimized experience:
In addition to the above-mentioned techniques and strategies, and since not all site visitors have access to assistive tools such as screen readers, we have provided free Web Enhancement Tools that allow site visitors to customize their user experience.
While not an exhaustive list of functionalities, the Ally+ Toolbar assists individuals with the following disabilities categorized under one of the four main areas: Visual, auditory, ambulatory and cognitive.
I am blind or I have difficulty seeing – Visual
Using the Reader view of the Ally+ Toolbar visitors are able to easily increase the size and style of the font, as well as load the website using an un-cluttered layout that focuses on text only. Additionally, low or no-vision users can have text on the site read back to them using the integrated audio Player.
I have difficulty hearing – Auditory
Any audio content will include closed captioning or provide access to a text-based version of the video via transcript.
I have difficulty using a mouse and/or keyboard – Ambulatory
By using the Ally+ Toolbar, all of the functions are available through the use of a keystroke and do not require the use of a mouse or other pointer device. Additionally, Voice Navigation is also available for visitors to talk to the website and control functionality using audio commands via their device’s microphone.
I have difficulty with words and/or reading - Cognitive
In addition to the ability to use a special font to aide visitors with dyslexia, the ability for visitors to have content “read back” to them via the Audio Player eliminates any reading or word-related challenges.
You can learn more about the ways in which the Ally+ Toolbar allows site visitors with diverse abilities to customize their user experience: Browse All Ally+ Toolbar Features
Dedicated Web Accessibility Help Desk
As another layer of support, dedicated web accessibility experts are available to assist site visitors with any issues accessing content and the various services and functions made available across the Queensborough National Bank & Trust Company’s website. Site visitors may choose to engage with the Help Desk to report and troubleshoot web accessibility related issues.
If you enjoyed using the Queensborough National Bank & Trust Company’s website, or if you encounter issues with any page on our site that presents a challenge for individuals with disabilities, please submit your feedback via the Help Desk in the AudioEye service.
To engage with an AudioEye Help Desk Service Representative, please submit a trouble ticket via the Help Desk in the AudioEye service.
In addition to this website, we make use of different 3rd party websites to share information and provide access to your banking accounts. These sites, which are not controlled by Queensborough National Bank & Trust Company may present challenges for individuals with disabilities that we are not able to control or remediate ourselves. Please know that these sites are not used as the sole source of (or sole vehicle for communicating) important information and you can always reach us directly for an accessible version of this information.
As made publicly available and as a courtesy, below are the Accessibility Policies provided from several popular 3rd party sites:
© 2003—2017 AudioEye, Inc. | Audio Internet and AudioEye are Registered Trademarks of AudioEye, Inc. All Rights Reserved. Patent # US7966184, US7653544, US8046229, US8296150, US8260616, US8589169
Effective beginning March 2023
Returned Deposit Item Fee
Official Check or other Equivalent Check
Prices vary based on style of check
Print Checks in Bank
$5.00 for 12 checks and 4 deposit slips
Account Closing Fee
$10.00 fee if account is closed within 182 days
Foreign Currency Exchange
$45 plus processing @ 1% of US Dollar Amount with a minimum fee of $5
Research (per hour)
Copy of Statement
$5 per statement for first 5 pages, $1 per additional page
Copy of Check
Legal Process Fees
$100 per Occurrence, or other rate as set by law to include Levies, Garnishments, and other Orders to Withhold Funds.
Domestic Wire Transfer - Incoming
Domestic Wire Transfer - Outgoing
International Wire Transfer - Incoming
International Wire Transfer - Outgoing
*Applied to overdraft items created by check, in-person withdrawals, ATM withdrawals, or other electronic means.
+An NSF/Overdraft Charge may be assessed for a single item multiple times if represented by the merchant or payee after an initial return.
Overdraft Item Charge
$32.00 per Paid Item
NSF Item Charge
$32.00 per Returned Unpaid Item
Overdraft Protection Transfer Fee
$5.00 per Transfer
Commercial OD Transfer Fee
$10.00 per Transfer
Maximum Number of NSF/Overdraft Item Charges daily
6 per day per consumer account
Small Transaction Amount Threshold
$10 or less
An NSF/Overdraft Item Charge is not assessed on consumer accounts for items $10 or less.
Low Overdraft Balance Threshold
An NSF/Overdraft Item Charge is not assessed on consumer accounts if the account is overdrawn by $10 or less at the end of each business day.
Withdrawal, Transfer, Inquiry at Non-QNB&T ATM
$1.00 per transaction, after 6 per month
Expedited Debit Card Fee
Bill Pay (Consumer)
Bill Pay (Business)
Consumer Mobile Banking
Q Mobile Deposit Fee
$0.50 per Deposit may be assessed
Standard rates and fees may apply from your wireless carrier
Note: The Schedule of Fees does not contain a complete listing of all Queensborough National Bank & Trust Company fees, service charges, and product and service fees. Other Consumer, Business, and Cash Management products and services may be governed under other specific product terms and conditions. Fees for these products and services may vary and additional fees may apply. QNBT’s Schedule of Fees, as well as fees, terms and conditions for other products and services are subject to change from time to time and at the Bank’s discretion. The Bank may amend or revise the Schedule of Fees without prior notification on the QNBTrust.bank website.
View the full Disclosure
Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing & Urban Development Washington, DC 20410
For processing under the Federal Fair Housing Act,
Customer Assistance Group
Office of the Comptroller of the Currency
P.O. Box 53570
Houston, Texas 77052
For processing under Office of the Comptroller of the Currency regulations.
On the basis of race, color, national origin, religion, sex, marital status, or age
Because income is from public assistance, or
Because a right was exercised under the Consumer Credit Protection Act.
Customer Assistance Group
Office of the Comptroller of the Currency
P.O. Box 53570
Houston, Texas 77052