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.

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 Account Express Checking Senior Checking Student Checking Now Account Mature Market Now Account Money Market Account
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00 $100.00 $1,000.00 $500.00 $1,000.00
Monthly Service Charge $7.00 Class I $10,000 AD&D Insurance** $10.00
Class II $20,000 AD&D Insurance** $12.00
$4.00 No Monthly Service Charge No Monthly Service Charge $8.00 $8.00 $10.00
Minimum Balance to Avoid Monthly Service Charge $750.00 NONE NONE NONE NONE $1,500.00 $500.00 $1,500.00
Unlimited Check Writing YES YES N/A YES YES $.15 Per Check Fee if ledger
balance falls below $500.00
$.15 Per Check Fee after 20 Checks NO
Unlimited Electronic Transactions YES YES YES YES YES N/A N/A NO
Unlimited Deposits YES YES YES YES YES YES YES YES
Interest NONE NONE NONE NONE NONE YES YES YES
Online Banking*** FREE FREE FREE FREE FREE FREE FREE FREE
Mobile Banking*** FREE FREE FREE FREE FREE FREE FREE FREE
Mobile Deposit *** FREE FREE FREE FREE FREE FREE FREE FREE
Initial Debit Card FREE FREE FREE FREE FREE FREE FREE N/A
E-Statement (with Online Banking)*** FREE FREE FREE FREE FREE FREE FREE FREE
Express Phone Banking*** FREE FREE FREE FREE FREE FREE FREE FREE
Bill Pay*** Available Available Available Available Available Available Available Not Available
Additional Features Free Wallet Style Logo Checks
$5000 Identity Theft Expense Reimbursement Coverage
Security Benefit-Credit Card Registration
Insurance Benefit
Entertainment Benefit-Entertainment Savers Guide
Shopping Benefit-Cash Back Member Rewards
Free Photocopy Service (Limits may apply)
Up to three (3) Cashier's Checks per month - No Fee
Up to three (3) Money Orders per month - No Fee
Travelers checks (single signature only)-No Fee
Discounted Fax Services ($5.00 with a maximum of 10 pages)
50% discount Safe Deposit Box Rent (first year)
Method of statement delivery on this account is an E-Statement
Electronic Withdrawals Only-No Paper Items
Paper Deposits Accepted
Available to Customers 62 and over
Limited to one account per customer
Available to Full Time Students up to 25 years of age
Method of statement delivery on this account is an E-Statement
Limited to one account per customer
Available only to customers age 55 years and older
Free Wallet Style Logo Checks
Free Notary Service
Discount Fax Service ($5 with maximum of 10 pages)
Travelers checks (single signature only)-No Fee
Excess 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