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.

Personal Checking Accounts

Personal Checking

Concordia Bank & Trust Co. Logo

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

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 Club Account

Concordia Bank & Trust Co. Logo

ACCOUNT BENEFITS

Free Wallet Style Logo Checks
Unlimited Check writing
Unlimited Electronic Transactions
Unlimited Deposits – No charge
No per item fee
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*
$5,000 Identity Theft Fraud Expense Reimbursement Coverage
Security Benefit – Credit Card Registration
Insurance Benefit
Entertainment Benefit – Entertainment Savers Guide
Shopping Benefit – Cash Back Member Rewards
Free Photocopy Service (Limits may apply)
Up to three (3) Cashier’s Checks per month – No Fee
Up to three (3) Money Orders per month – No Fee
Travelers Checks (single signature only) – No Fee
Discounted Fax Services ($5.00 with a maximum of 10 pages)
50% Discount Safe Deposit Box Rent (first year)
Unlimited Deposits – No Charge

MINIMUM BALANCE REQUIREMENTS

Minimum Opening Deposit $100.00

FEES AND CHARGES

Monthly Service Charge

Class I $10,000.00 Accidental Death and Dismemberment Insurance* $10.00
Class II $20,000.00 Accidental Death and Dismemberment Insurance* $12.00


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

ADDITIONAL DISCLOSURE INFORMATION

*The principal sum of 24-hour insurance coverage reduces 50% at age 70 and over. If joint account, coverage is divided equally among all account holders.

Statement Period: Monthly

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


Express Checking

Concordia Bank & Trust Co. Logo

ACCOUNT BENEFITS

Unlimited Deposits – No Charge
Unlimited Electronic Transactions
Initial Debit Card is Free
No per item fee
Bill Pay*
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

Monthly Service Charge $4.00

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.

Electronic Withdrawals Only – no paper items

Paper deposits are accepted.

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


Senior Checking

Concordia Bank & Trust Co. LogoAvailable 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

Concordia Bank & Trust Co. LogoAvailable to Full Time Students up to 25 years of age

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 up to 25 years of age

Limited to one account per customer

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


Now Account

Concordia Bank & Trust Co. Logo

ACCOUNT BENEFITS

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 $1,000.00
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

Per Check Fee
If the ledger balance falls below $500.00 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.


Mature Market Now Account

Concordia Bank & Trust Co. LogoAvailable 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

Available only to customers age 55 years and older.

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