Delayed Quotes

• These show the price of a stock or investment, but with a time delay—usually 15 to 20 minutes.
  Example: If a stock is trading at $50 right now, a delayed quote might still show $49.75 because it's showing the price from 15 minutes ago.
• These are often free and used for general browsing or research.
• If you're just learning or investing long-term, delayed quotes may be right for you.

Real-time Quotes

• These show the current, up-to-the-second price of a stock or investment.
• Traders and investors use these to make fast decisions.
• Real-time quotes may require a subscription or a brokerage account with certain features.
• If you're actively trading or watching the market closely, real-time quotes give you the most accurate information.

More information

When you first access your investments account through digital banking, you’ll be asked to review and complete a Real-Time Quote Agreement. This is a standard requirement from the major stock exchanges. 

Here’s what you need to know: 

• One-time process: You’ll only need to complete this agreement once. 

• Why it’s needed: Completing the agreement allows you to view your account details and access real-time market quotes. 

• What’s required: You’ll be asked to provide your name, address, and employment status. 

• Quick questionnaire: There are 11 Yes/No questions to help determine whether you’re classified as a “Securities Professional” or “Nonprofessional” – a distinction required by the exchanges. 

• No impact on access: Your classification won’t affect your ability to view your account or access real-time or delayed quotes.