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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
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friends managing their Concordia accounts through their phones

Charitable Interest Checking

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Offered to non-profit organizations, associations, or not-for-profit customers

Account Benefits

Unlimited Check Writing
Unlimited Electronic Transactions
Unlimited Deposits – No Charge
No per item charge
Bill Pay*
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Express Phone Banking*


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 $1,000.00
Minimum Ledger Balance to Avoid Monthly Service Charge $1,500.00


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).

Fees and Charges

Monthly Service Charge
If your ledger balance falls below $1,500.00 during statement period $8.00

See Schedule of Fees for other charges that may be incurred.

Additional Disclosure Information

Statement Period: Monthly

*Message, data, and/or internet service provider rates may apply, as applicable