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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 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

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

Concordia Bank & Trust Co. Logo

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

Concordia Bank & Trust Co. Logo

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

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

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

Concordia Bank & Trust Co. Logo

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.