Direct Advantage

Minimum deposit of $20.00 required. Have your payroll electronically deposited to your checking account and there are no minimum balance requirements and no monthly service charge.

Business Checking

Minimum deposit of $20.00 required. No charge for balance above $500.00.  A $5.00 charge for balances below $500.00.  Church, non-profit and civic groups are exempt from monthly service charge upon request.

NOW Account

An interest bearing checking account available to individuals and sole proprietorships with unlimited check writing privileges.*    NOW checking accounts -No charge for balances above $1,000 , $5 charge for balance below $1,000

* Interest is calculated daily and credited monthly. Interest rates set by the bank are subject to periodic change.

Money Market Savings

An interest bearing account available to both individuals and businesses.* Six non-personal withdrawals / transfers are allowed per month, three of which may be by check or draft. No charge for accounts with a maintained balance of $2,500.00 A charge of $5.00 per month if the balance falls below $2,500.00

* Interest is calculated daily and credited monthly. Interest rates set by the bank are subject to periodic change.

Overdraft Protection

Overdraft protection on your checking account is available, upon request, by linking it to your savings account. Any transfers for this service would be counted as part of the six (6) allowed per month for savings accounts. A fee of $5.00 per day is charged only on the days that a transfer is needed.

RAD - Rate Adjustable Deposit

Rate adjustable CD's are available for 3 and 5 years. The 3 year RAD permits one rate increase per term. The 5 year RAD's permit either one or three rate increases per term. Interest can be paid to you by compounding, payment to you by check or crediting another account with us. Minimum deposit is $500. Please call for current rates.

A substantial early withdrawal penalty may be imposed on all time accounts if closed prior to maturity.

Christmas Club Account

A good way to save for those holiday expenses at year end. Many customers also use Christmas Clubs to help pay taxes. Christmas Club accounts earn interest which is credited annually.

Ready Credit

In addition to our regular Overdraft Protection, you may want to apply for Ready Credit. If approved, you can have your own personal line of credit that is accessed just by writing a check. You complete a loan application and tell us how much "ready credit" you would like to have. This is a great product for times when your account runs a little short or for times when a great deal comes along that you just can't pass up. Relax, write the check and we will take care of the rest. (As with all loans, we reserve the right to refuse to grant a Ready Credit Account to any customer based on past credit history with the Queenstown Bank or with other creditors.)

Visa Debit Card

For even more convenience, apply today for our Visa Debit Card. This card will provide all the convenience of our regular CRAB ATM card as well as the ability to use the card anywhere that accepts a VISA card. The funds come directly from your checking account without the hassle of writing a check. (We reserve the right to refuse to issue a VISA Debit card based on past history of NSF activity  in a checking account either with the Queenstown Bank or another institution.)

Action Line - 24 Hour Banking

By dialing 410-827-4300 or 1-888-827-4300 (toll free), you can access information about your accounts. Transfers between accounts can also be completed once you have completed our required authorization form.

The following charges will apply to all accounts:

Money Orders $4.00 Insufficient Funds Checks 23.00 Wire Transfers - Customers $10.00 Stop Payments $23.00 International Wires - Customers - $15.00 plus correspondent fees Research - Non- Customer 30.00 / hour 1 hour minimum, $30.00 deposit required prior to start of the job Certified Checks $10.00 Special Statements $5.00 Cashier's Checks $4.00 Levies & Attachments $100.00 Research - Customer $20.00 / hour,  1 hour minimum.