318.336.5258
318.336.5258
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Personal Banking

Concordia Bank & Trust Co. LogoWhen you open a Concordia Bank & Trust Co. bank account, you can manage your money, your way.

With a wide variety of choices for personal banking needs, you can select what’s best for you to make banking easy – the way it should be.

To meet Our Lenders, click here.

Checking

Interest Bearing Checking

Certificate of Deposit

Savings

Individual Retirement Accounts

Online Banking

Personal Loans

Express Phone Banking

Services

VISA Debit Card

See Schedule of Fees for charges that may be incurred.

Compare Our Personal Accounts

Account Types* Personal Checking Diamond CheckingExpress Checking Senior Checking Student Checking Interest Checking Money Market Account
Minimum Opening Deposit $100.00 $100.00$25.00$100.00 $100.00 $1,500.00 $1,000.00
Monthly Service Charge $7.00 $8.00$4.00 No Monthly Service Charge No Monthly Service Charge $8.00 $10.00
Minimum Balance to Avoid Monthly Service Charge $750.00 NONENONENONENONE$1,500.00 $1,500.00
Paper Statement Fee $2.00 if ledger balance falls below $750.00 $2.00$2.00 NONENONE$2.00 if ledger balance falls below $1,500.00 NONE
Unlimited Check Writing YESYESN/A YESYES$.15 Per Check Fee if ledger balance falls below $1,000.00. NO
Unlimited Electronic Transactions YESYESYESYESYESYESNO
Unlimited Deposits YESYESYESYESYESYES YES
Interest NONE YESNONENONEFREEYES YES
Online Banking*** FREEFREEFREEFREEFREEFREEFREE
Mobile Banking*** FREEFREEFREEFREEFREEFREEFREE
Mobile Deposit *** FREEFREEFREEFREEFREEFREEFREE
Initial Debit Card FREEFREEFREEFREEFREEFREE
E-Statement (with Online Banking)*** FREEFREEFREEFREEFREEFREEN/A
Express Phone Banking*** FREEFREEFREEFREEFREEFREEFREE
Bill Pay*** AvailableAvailableAvailableAvailableAvailableAvailableNot Available
Additional FeaturesFree Basic Wallet Style Logo Checks (1 Box per order)

3 cashier's checks/money orders (per month)-no fee

Cell Phone Protection1

IDProtect1

Fuel Savings5

$10,000 Accidental Death & Dismemberment Insurance**1

additional disclosures apply		No personal checks or counter checks. Money orders and Cashier's checks available for purchase.

Account will not be eligible for Overdraft Privilege. No Overdraft Item or Returned Item fees will be charged.		Available to Full Time Students Method of statement delivery on this account is an E-Statement Limited to one account per customer Available to Full Time Students Method of statement delivery on this account is an E-Statement Limited to one account per customerExcess Withdrawal/Transfer Charge - Assessed for each Withdrawal/Transfer over six (6) during the statement period - $5.00

*For All Accounts-See Schedule of Fees for other charges that may be incurred
**The principal sum of 24-hour insurance coverage reduces 50% at age 70 and over. If joint account, coverage is divided equally among all account holders.
***Message, data, and/or internet servicer provider rates may apply, as applicable

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