Accounts built for everyday life and long-term savings.
Choose checking for spending, Horizon Savings for yield, and CDs when you want a fixed return — all with secure internet and mobile access.
Spend, pay bills, and move money with control.
Designed like leading retail banks: bill pay, mobile deposit, debit, and alerts — with fee rules you can understand before you open.
Qenti Checking
Our most popular account for payroll, rent, and daily spending. Includes debit card, online bill pay, and mobile deposit. Monthly fee can be waived with qualifying activity such as direct deposit or minimum balance.
Qenti Interest Checking
Earn interest on higher balances while keeping full checking functionality. Ideal if you keep a larger operating cushion in checking.
Private Checking
Priority support, higher transfer limits, and a dedicated relationship manager. Often paired with Wealth & Private Banking.
Horizon Savings — competitive yield with automatic habits.
Set recurring transfers from checking, create goal buckets, and watch balances grow. APY is variable and may change; confirmed rate appears in your account disclosures.
- No monthly maintenance fee on standard Horizon Savings
- Autosave rules and round-up style transfers (where enabled)
- Linked overdraft protection for eligible checking accounts
- Statements and tax documents available online
4.25% APY
Horizon Savings indicative yield. Actual APY depends on balance tier and current rate sheet.
Lock in a rate for a term that fits your plan.
3–6 month CD
Short-term parking for cash you will need soon, with a fixed APY for the term.
12 month CD
A popular balance of yield and flexibility for annual goals.
24–36 month CD
Longer commitment for clients who want rate certainty.
CD laddering
Ask a banker to structure maturities so cash becomes available on a schedule.
Early withdrawal penalties may apply. Interest may be forfeited if closed before maturity. See CD disclosure for details.
Tools you expect from a modern bank.
Internet & mobile banking
Balances, transfers, statements, and secure messages anytime.
Bill pay
Pay merchants and set recurring payments from checking.
Mobile deposit
Deposit checks with your phone; funds availability follows your agreement.
Card controls
Lock/unlock debit, set travel notices, and review recent authorizations.
Alerts
Low balance, large transaction, and login alerts to your email or phone.
Digital wallets
Add your debit card to supported mobile wallets where available.
Side-by-side account overview.
| Feature | EverydayQenti Checking | GrowHorizon Savings | FixedCertificate of Deposit |
|---|---|---|---|
| Best for | Daily spending & bills | Emergency fund & goals | Known timeline savings |
| Earns interest / APY | Interest Checking tier only | Yes · variable APY | Yes · fixed for term |
| Debit card | Yes | No | No |
| Bill pay | Yes | No | No |
| Mobile deposit | Yes | Yes | N/A |
| Early access / liquidity | Immediate (available balance) | High | Penalty may apply |
| Opening path | Apply online | Apply online | Speak with banker |
Product availability, fees, and features vary by market and may change. Review the account agreement before opening.
Open personal banking with Qenti.
Start your application online — typically a few minutes to submit.