HOME ABOUT CONTACT 318.336.5258 PERSONAL COMMERCIAL TOOLS LOCATIONS ONLINE BANKING OUR LEADERS OUR LENDERS RATES PRIVACY SECURITY CHARITABLE INTEREST CHECKING Offered to non-profit organizations, associations, or not-for-profit customers ACCOUNT BENEFITS Unlimited Check Writing Unlimited Electronic Transactions Unlimited Deposits – No Charge No per item charge Bill Pay* Free Online Banking* Free E-Statement (with Online Banking)* Free Mobile Banking* 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 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 Copyright © Concordia Bank & Trust Co. 2021 - Sitemap | Custom website design by ThinkWebstore Customer Service 318.336.5258 Express Phone Banking 1.888.336.5229 Lost/Stolen Visa Debit Card 318.336.5258 ORDER CHECKS PRIVACY POLICY ROUTING NUMBER PATRIOT ACT SECURITY PAGE Like us on Facebook