Preferred Checking Account

 
Minimum Balance Requirement   $0 for first six months, $500 minimum daily balance thereafter
Account Maintenance Fee $0 for first 6 months; thereafter, $6 per month if balance falls below $500
Exemptions to avoid account maintenance fee

- Keep $2,000 in a single related savings, certificate, or money market account; or
- Maintain a $5,000 deposit relationship with Fidelity Bank; or
- Have a Fidelity Bank retirement account; or
- Have Direct Deposit
ATM/Visa® Check Card $1 card fee waived with 4 signature based transactions per statement cycle
Per-Check Fees None
Limit on # of Checks Written None
Interest-Bearing Yes, on daily balances over $500
Status Account which earns interest
 

Preferred Checking account maintenance fees are also waived when a balance of $2,000 or more is maintained in a related Fidelity Bank savings, certificate of deposit or money market account, or when a $5,000 deposit relationship with Fidelity Bank is kept, or if you have a Fidelity Bank retirement account, or if you have Direct Deposit.

Interest is paid daily when the required balance is maintained.

Additional Benefits:

  • $1 Visa® Check Card fee waived with four signature based transactions per statement cycle
  • Free Safe Deposit Box for one year; after first year, contact your branch for current rates

Interested in opening a Preferred Checking Account or learning more?

Messages sent by e-mail may be intercepted by third parties or may be delayed in reaching the appropriate unit at Fidelity Bank. Please do not use email for communications containing confidential or time-sensitive information.

Name of Account   Minimum to Open   Earns Interest   Minimum Balance To Avoid Service Charge   Service Charge   Debit Card/ATM Fee
Carefree eChecking   $100   No   $0   $1 monthly fee for paper statements, waived if enrolled in eStatements.   $1 monthly fee waived with 6 signature based transactions per statement cycle.

 
Preferred Checking $100 Yes; on balances over $500 $500 daily balance No service charge for 6 months, then $6 per month if balance falls below $500.* $1 monthly fee waived with 4 signature based transactions per statement cycle.

 
Triumph Checking $100 Yes; on balances over $1,500 $500 daily balance No service charge for 6 months, then $6 per month if balance falls below $500.**

 		 $0
Select Checking $100 Yes; on balances over $1,500 $3,500 average balance $12 per month if average balance is below $3,500.***

 		 $0
Youth Checking $100 No $0 $0 $0

 

* Avoid a service charge if you have
- a retirement account
- $2,000 in a compensating balance account
- $5,000 deposit relationship
- Direct Deposit
 
** Avoid a service charge if you have
- a retirement account
- $2,000 in a compensating balance account
- $5,000 deposit relationship

*** Avoid a service charge if you have
- $15,000 deposit relationship
- $20,000 installment loan or LOC loan

Effective date for all rates is 02/08/2012
[- Rates are subject to change without notice -]


Product Interest
Rate		 APY Minimum
to Open		 Interest
Compounding
Preferred Accounts
$0 to $499		 0.00% 0.00% $100 monthly
Preferred Accounts
$500 to $999		 0.02% 0.02% $100 monthly
Preferred Accounts
$1,000 to $4,999		 0.05% 0.05% $100 monthly
Preferred Accounts
$5,000 and over		 0.07% 0.07% $100 monthly

Checking Accounts
Check presented against non-sufficient funds   $35
ACH Debit presented against non-sufficient funds $35
Stop payment order renewal $35
ATM or POS purchase withdrawal presented against non-sufficient funds $35 each
Return of deposited or cashed item $10 each

ATM / Visa® Check Cards
Monthly fee
(Allows you unlimited number of transactions and no other fees will be charged as long as you use a machine in the Freedom ATM Alliance or Select-a-Branch ATM network)		 $1.00
ATM transaction fee $2.00 per transaction outside of the Freedom ATM Alliance or Select-a-Branch ATM Network
ATM Mini Statement   $1.00 per statement

Online Services
AnyTime Banking   Free of Charge
Funds Transfer
(Funds transferred from another financial institution to a Fidelity Bank account)		 Free of Charge
Funds Transfer
(Funds transferred from a Fidelity Bank account to another financial institution)		 $2.00 per transfer
Bill Payment Service Free of Charge
(The service is free as long as one or more payments are made each month. If no payments are made during the month, a $2.95 fee will be assessed.)

 

For additional service charges and fees, please contact your local branch office or call our Customer Care Center at 1-800-242-2500

Home Equity Loans

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Mortgages

Individualized loan programs to meet your specific purchase, construction or refinancing needs.