Personal Checking Accounts
Personal Checking
ACCOUNT BENEFITS
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 BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
Minimum Ledger Balance to Avoid Monthly Service Charge $750.00
FEES AND CHARGES
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.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
*Message, data, and/or internet service provider rates may apply, as applicable.
Diamond Checking
ACCOUNT BENEFITS
Interest Bearing
Free mobile and online banking*
Free mobile deposit*
Free e-statement (with online banking)*
Free express phone banking*
Bill pay*
Free basic wallet style logo checks (1 box per order)
Free initial debit card
3 cashier’s checks/money orders (per month) – no fee
Free notary services
No per item fee
Unlimited check writing, electronic transactions and deposits – no charge
Cellphone Protection-1Receive up to $600 of replacement or repair costs if your eligible cell phones are stolen or damaged. (Cell phone bill must be paid using Diamond Checking.)
IDProtect®-identity theft monitoring and resolution services2
Fuel Savings3
Up to $10,000 24 hour Accidental Death & Dismemberment Insurance1 (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
$8.00 Monthly Service Charge
$2.00 Paper Statement Fee if delivered a paper periodic statement
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guide to Benefit can be found online at CBT.eClubOnline.net. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any affiliate.
2 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. Monthly email notifications will be sent to let you know when your new score is available.
3 Restrictions apply. Go to FuelRewards.com for details. Diamond Checking members who activate this offer will receive Extended Gold Status at participating Shell stations.
Statement Period: Monthly
*Message, data, and/or internet service provider rates may apply, as applicable
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.
Senior Checking
Available to Customers 62 and over
ACCOUNT BENEFITS
Initial Debit Card is Free
Bill Pay*
Unlimited Electronic Transactions
Unlimited Check Writing
Unlimited Deposits – No Charge
No per item fee
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
No Monthly Service Charge
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
Available to Customers 62 and over
Limited to one account per customer
*Message, data, and/or internet service provider rates may apply, as applicable.
Student Checking
Available to Full Time Students
ACCOUNT BENEFITS
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 BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
No Monthly Service Charge
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
The method of statement delivery on this account is an E-Statement.
Available to Full Time Students
Limited to one account per customer
*Message, data, and/or internet service provider rates may apply, as applicable.
Interest Checking
ACCOUNT BENEFITS
Free Basic Wallet Style Logo Checks (1 box per order)
Free Notary Service
Initial Debit Card is Free
Bill Pay*
Unlimited Deposits – No Charge
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
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 credited 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 $1,500.00
Minimum Ledger Balance to Avoid Monthly Service Charge $1,500.00
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 $1,500.00 during statement period $8.00
Paper Statement Fee
$2.00 – If your ledger balance falls below $1,500.00 during the statement period and delivered a paper periodic statement.
Per Check Fee
If the ledger balance falls below $1,000.00 the fee is $0.15 per check
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
*Message, data, and/or internet service provider rates may apply, as applicable.
