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

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 Protection1
IDProtect®
Fuel Savings5
Up to $10,000 24 hour Accidental Death & Dismemberment Insurance1

MINIMUM BALANCE REQUIREMENTS

Minimum Opening Deposit $100.00

FEES AND CHARGES

Monthly Service Charge $8.00

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

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.