QNB Bank - Broad St

QNB Bank operates a full service branch at 320 W. Broad Street in Quakertown, Pennsylvania, in the heart of upper Bucks County. The location sits along one of the borough's main commercial corridors, a short distance from the intersection of Broad Street and Route 309, placing it within reach of residents and business owners throughout Quakertown, Richland Township, Milford Township, Trumbauersville and the surrounding communities. The branch handles the everyday banking needs of individuals and households along with the lending and cash management requirements of local businesses, nonprofits and municipal organizations.

The bank can be reached by phone at +1 215-538-5600, and account information, rate schedules and online banking services are available through the QNB Bank website at qnbbank.com.

Background and Local Roots

QNB Bank traces its origins to the late nineteenth century, when it was chartered as the Quakertown National Bank in 1877. That longevity gives the institution one of the deeper histories among community banks in the region, and it has remained headquartered in Quakertown rather than relocating to a larger metropolitan market. The bank is the principal subsidiary of QNB Corp., a publicly traded bank holding company whose shares trade over the counter. Over the decades, the bank shortened its public name to QNB Bank while continuing to operate as a state chartered community institution serving Bucks, Lehigh and Montgomery counties.

Because decisions about lending and account structure are made locally rather than at a distant regional headquarters, customers dealing with the Broad Street office are generally working with bankers who live and work in the same communities they serve. That structure tends to shape how the branch operates day to day, particularly in loan underwriting, where local knowledge of property values, employers and business conditions carries weight.

Personal Banking Services

The Broad Street branch offers the standard range of consumer deposit and transaction products that customers would expect from a community bank, including:

• Checking accounts in several tiers, including basic, interest bearing and relationship based options
• Statement and money market savings accounts
• Certificates of deposit across a range of terms
• Individual retirement accounts and other tax advantaged savings vehicles
• Debit cards, ATM access and overdraft protection arrangements
• Online and mobile banking, including remote deposit, bill payment and person to person transfers
• Safe deposit boxes, cashier's checks, notary service and other in branch transactions

Consumer lending is also handled at the branch level. Products typically include auto loans, personal installment loans, home equity loans and home equity lines of credit, and overdraft lines. Customers who prefer to complete an application in person can do so at the Broad Street office, while online applications are available for several product types.

Mortgage and Home Lending

Residential mortgage lending is one of the more visible parts of the bank's business in the Quakertown area. The lending team works with buyers on conventional fixed rate and adjustable rate mortgages, construction loans, refinances and home equity borrowing. For buyers purchasing their first home, QNB participates in assistance programs that can be layered with a mortgage to reduce the cash required at settlement, including down payment and closing cost grant programs administered through the Federal Home Loan Bank of Pittsburgh. Eligibility for those programs is generally tied to income limits, homebuyer education requirements and other conditions, so prospective applicants are usually advised to speak with a mortgage originator early in their search rather than after an offer has been accepted.

The mortgage staff based in Quakertown handles applications, pre qualification letters and coordination with real estate agents, title companies and appraisers through the closing process. Buyers working in the upper Bucks and Lehigh Valley markets often encounter a mix of older housing stock, new construction subdivisions and rural properties, and the bank's underwriting experience across those property types is part of what distinguishes a local lender from a national call center operation.

Business and Commercial Services

QNB Bank serves a broad base of small and mid sized businesses across its footprint. Commercial offerings available through the Broad Street office generally include business checking and savings accounts, commercial real estate loans, equipment financing, working capital lines of credit, Small Business Administration guaranteed lending and merchant services. Treasury and cash management tools such as remote deposit capture, ACH origination, positive pay and payroll services are available for companies with more complex transaction volumes.

The bank also serves municipalities, school districts, churches and nonprofit organizations in the region, a segment that community banks frequently handle because of their familiarity with local governance and reporting requirements. Wealth management, trust and retirement plan services are offered as well, typically through the bank's investment and insurance affiliates.

Visiting the Branch

The 320 W. Broad Street location is set up for in person banking, with a lobby for teller transactions and private offices for account opening, loan discussions and consultations. The site includes a wheelchair accessible entrance and wheelchair accessible parking, making it usable for customers with mobility limitations. Parking is available on site, and the Broad Street corridor is served by local bus routes and is within walking distance of Quakertown's downtown business district.

Customers should be aware that branch lobby hours, drive up hours and Saturday availability can differ, and that hours may be adjusted around federal banking holidays. Calling ahead or checking the bank's website is the most reliable way to confirm current hours before making a trip, particularly for services such as safe deposit box access or notary work that require staff availability.

Practical Notes for New Customers

• Opening a deposit account in person typically requires a government issued photo identification, a Social Security number or taxpayer identification number, and an opening deposit.
• Business account openings usually require formation documents, an employer identification number and identification for each authorized signer.
• Mortgage applicants should expect to provide recent pay stubs, W-2 forms or tax returns, bank statements and information about existing debts.
• Deposits are insured by the Federal Deposit Insurance Corporation up to applicable limits.
• ATM access is available at the branch and at other QNB locations throughout Bucks, Lehigh and Montgomery counties.

For customers who prefer digital banking but want a physical office nearby for larger transactions, loan closings or questions that are easier to resolve face to face, the Broad Street branch functions as both a transactional location and a lending office for the Quakertown area.