Concordia Bank & Trust Co.
Concordia Bank & Trust Co. Concordia Bank Paperless Statements
Concordia Bank & Trust Co.
Concordia Bank & Trust Co.
Concordia Bank & Trust Co.Concordia Bank & Trust Co.Concordia Bank & Trust Co.
Concordia Bank & Trust Co.
Concordia Bank & Trust Co.

Mature Market Now Account

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Available only to customers age 55 years and older

ACCOUNT BENEFITS

Unlimited Deposits – No Charge
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*
Free Wallet Style Logo Checks
Free Notary Service
Discount Fax Service ($5 with maximum of 10 pages)
Travelers Checks (single signature only) – No Fee

VARIABLE RATE INFORMATION

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.

COMPOUNDING AND CREDITING

Interest will be compounded monthly. Interest will be credit to your account monthly.

If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS

Minimum Opening Deposit $500.00
Minimum Ledger Balance to Avoid Monthly Service Charge $500.00

BALANCE COMPUTATION METHOD

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.

ACCRUAL ON NON-CASH DEPOSITS

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 $500.00 during statement period $8.00

Per Check Fee
First 20 checks — No Charge
After 20 checks — $0.15 Per Check

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

ADDITIONAL DISCLOSURE INFORMATION

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.

Available only to customers age 55 years and older.

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