Accessibility Statement | Queensborough National Bank & Trust Co.

We Value Digital Inclusion

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.

Accessibility Certification

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.

A Complete Approach to Improving the User Experience for Users of Assistive Technologies: Web Accessibility Guidelines

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:

For Windows users: JAWS or NVDA and Firefox
For Mac users: VoiceOver and Safari or Chrome
For mobile users: VoiceOver with iOS or TalkBack with Android

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:

Windows: JAWS and Internet Explorer
Mac OS X version El Capitan 10.11 with Safari 7 and Firefox

Related Links

Section 508 - Information and news about the accessibility standards introduced by Section 508 of the Rehabilitation Act.
Department of Justice Section 508 - Section 508 specifics from the Department of Justice
U.S. Access Board - Design guidelines for electronic and information technology

Providing Users with a Free & Customizable Assistive Utility: The Ally+ Toolbar

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

Feedback

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.

Third Party Sites

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:

Effective September 2, 2024

Miscellaneous Services

Stop Payment	$32.00
Returned Deposit Item Fee	$8.00
Collection Fee	$15.00
Official Check	$5.00
Photocopy	$0.25
Print Checks in Bank	$5.00 for 16 checks
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)	$25.00
Copy of Statement	$5 per statement for first 5 pages, $1 per additional page
Copy of Check	$1.00
Legal Process Fees	$100 per Occurrence, or other rate as set by law to include Levies, Garnishments, and other Orders to Withhold Funds.
Dormancy Fee	$5.00 (Monthly, maximum of 12 months or $60)
Account Escheatment Fee	$50.00 (balance in account if less than fee)

Wire Processing Fees

Domestic Wire Transfer - Incoming	$20.00
Domestic Wire Transfer - Outgoing	$20.00
International Wire Transfer - Incoming	$45.00
International Wire Transfer - Outgoing	$45.00

NSF/Overdraft Item Charge*+

*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 Transfer Fee	$5.00 per Transfer

ATM/Debit Card Fees

Replacement Card	$5.00
Withdrawal, Transfer, Inquiry at Non-QNB&T ATM	$1.00 per transaction, after 6 per month
Expedited Debit Card Fee	$75.00

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

EQUAL HOUSING LENDER

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

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,

and to:
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.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

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.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Customer Assistance Group
Office of the Comptroller of the Currency
P.O. Box 53570
Houston, Texas 77052

Download the Full CRA Public File