Express Checking

ACCOUNT BENEFITS

Free Mobile and Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Deposit*
Free Express Phone Banking*
Bill Pay*
Initial Debit Card is Free
Unlimited Electronic Transactions and Unlimited Deposits – No Charge
No per item fee
No Overdraft Item or Returned Item Fees
Free ATM services at Concordia Bank locations

MINIMUM BALANCE REQUIREMENTS

Minimum Opening Deposit $25.00

FEES AND CHARGES

$4.00 Monthly Service Charge
$2.00 Paper Statement Fee if delivered a paper monthly statement. Free E-Statement is available with
Online Banking.*

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

ADDITIONAL DISCLOSURE INFORMATION

Statement Period: Monthly
Account will not be eligible for Overdraft Privilege. If there are not enough funds in the account at the
time a transaction is presented for payment, it will be returned unpaid. No Overdraft Item or Returned Item Fees will be charged. However, payees or merchants may still charge a fee. Account will not be eligible for personal checks or counter checks. Money Orders and Cashier’s Checks are available for purchase. Account will have free and unrestricted access to all Concordia Bank branches and ATMs. Account will have access to in-branch teller services, including account withdrawal.
*Message, data, and/or internet service provider rates may apply, as applicable.