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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

Personal Checking

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Initial Debit Card is Free
Bill Pay*
Unlimited Electronic Transactions
Unlimited Deposits – No Charge
Unlimited Check Writing
No per item fee
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*


Minimum Opening Deposit $100.00

Minimum Ledger Balance to Avoid Monthly Service Charge $750.00


Monthly Service Charge
If your ledger balance falls below $750.00 during statement period $7.00

Paper Statement Fee
$2.00 – If your ledger balance falls below $750.00 during the statement period and delivered a paper periodic statement.

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


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.