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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
a couple cherishing their baby
friends managing their Concordia accounts through their phones

Express Checking

Concordia Bank & Trust Co. Logo


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 Opening Deposit $25.00


$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.


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.