Diamond Club Account

Concordia Bank & Trust Co. Logo

ACCOUNT BENEFITS

Free Wallet Style Logo Checks
Unlimited Check writing
Unlimited Electronic Transactions
Unlimited Deposits – No charge
No per item fee
Initial Debit Card is Free
Bill pay*
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
$5,000 Identity Theft Fraud 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)
Unlimited Deposits – No Charge

MINIMUM BALANCE REQUIREMENTS

Minimum Opening Deposit $100.00

FEES AND CHARGES

Monthly Service Charge
Class I $10,000.00 Accidental Death and Dismemberment Insurance* $10.00
Class II $20,000.00 Accidental Death and Dismemberment Insurance* $12.00



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

ADDITIONAL DISCLOSURE INFORMATION

*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.

Statement Period: Monthly

The following will apply if you are eligible for and have Overdraft Privilege on this account. It is our policy that overdrafts must be covered as soon as possible but within 30 days of the first occurrence of an overdraft. When a customer exceeds their overdraft privilege limit, our policy is not to permit further overdrafts.

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