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customer using mobile payment
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person checking an estatement from their phone
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woman banking online with her phone
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a person downloading an app on his phoneConcordia Bank & Trust Co.Concordia Bank & Trust Co.
a farmer looking up information on his laptop in the fields
a couple cherishing their baby
friends managing their Concordia accounts through their phones

Diamond Checking


Interest Bearing
Free mobile and online banking*
Free mobile deposit*
Free e-statement (with online banking)*
Free express phone banking*
Bill pay*
Free basic wallet style logo checks (1 box per order)
Free initial debit card
3 cashier’s checks/money orders (per month) – no fee
Free notary services
No per item fee
Unlimited check writing, electronic transactions
and deposits – no charge
Go to to access your benefits portal now.

NEW! Cell Phone Protection1

• Up to $600 of replacement or repair cost for your damaged or stolen cell phones; $50 deductible per claim and two claims and a maximum of $1,000 per 12-month period per eligible account.
• Covers up to four phones listed on the cellular phone bill
• Covers damage or theft
• Cellular phone bill must be paid using eligible account

NEW! IDProtect®
Identity Theft Monitoring and Resolution Service2

Help better protect yourself and your joint account owners with our identity theft monitoring and resolution service that includes credit file monitoring, access to credit report and scores3, credit score tracker3,4, monitoring of over 1,000 public databases, identity theft expense reimbursement1, fully managed resolution services, and more.

Identity Theft Expense Reimbursement
Up to $5,000 Identity Theft Expense Reimbursement1 – To cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, cost for daycare and elder care, travel and accommodations, as well as overage for wages lost for time taken off work to correct personal records. (Refer to Guide to Benefit for complete details of coverage.)
Comprehensive Identity Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your credit reports. (registration/activation required)
Credit Report and Score3– Access to credit report and credit scores. (registration/activation required)
Credit Score Tracker – Receive valuable insight into your credit score3,4. (registration/activation required)
Debit and Credit Card Registration – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
Identity Monitoring – Monitoring of more than 1,000 databases and public records to identity suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required)

NEW! Fuel Savings5

• Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly.
• Save even more when you link a debit or credit card to your Fuel Rewards® account to earn discounts on fill-ups from everyday purchases
• See your savings instantly at the pump, and keep track of everything with the Fuel Rewards® app

Up to $10,000 24-hour Accidental Death & Dismemberment Insurance1

Coverage divides equally on joint accounts and reduces by 50% at age 70.

All for a low monthly service charge of $8.
• However, a $2 Paper Statement Fee will be imposed if delivered a paper periodic statement. For more information regarding account fees, see schedule of fees.



See the rate sheet for the interest rate and annual percentage yield on your account. Your interest rate and annual percentage yield may change. We use the market to determine interest rates. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time.


Interest will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.


Minimum Opening Deposit $100.00


We use the Average Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.


Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).


$8.00 Monthly Service Charge
$2.00 Paper Statement Fee if delivered a paper periodic statement
See Schedule of Fees for other charges that may be incurred.
Statement Period: Monthly


*Message, data, and / or internet service provider rates may apply, as applicable.
1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guide to Benefit can be found online at Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
2 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
3 You will have access to your credit report and score provided your information has been verified by the Credit Reporting Agency. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
4 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
5 Restrictions apply. Go to for details. Diamond Checking members who activate this offer will receive Extended Gold Status at participating Shell stations.