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Financial Rates:
1.0
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Customer Service:
4.5
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Website Experience:
4.0
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Bank Fees:
3.5
Pros:
- Wide variety of accounts available
- Low opening amounts for most accounts
- Waived ATM fees for some accounts
- HSA earns good rates
Cons:
- Tiered interest rates on account
- Cannot open accounts online
- MMAs have high opening amounts
- Accounts interest rates are low
What You Need to Know
Fidelity Bank offers a good selection of personal accounts. Those include:
- Free checking
- Relationship checking
- Legacy checking
- Statement savings
- Looney Tunes Children's savings
- High Interest savings
- Health Savings Account
- Personal money market account
- Superior money market
- CDs from 12 to 60-months
The opening required amounts for Fidelity Bank accounts are low. The checking accounts and children's savings account require $25 to open. The statement savings account requires $100 to open. The CD terms require $500 to open.
ATM transactions made at Fidelity Bank ATMs are free of fees. Transactions made at other ATMs may have a fee. The Relationship and Legacy checking accounts waive the fees of foreign ATM transactions. You must meet the requirements to open these accounts.
The Health Savings Account offers good rates. It offers the highest interest rate out of the Fidelity Bank savings accounts. To earn the highest interest rate for the HSA, you must have $15,000 in the account.
The Superior MMA has tiered interest rates. To earn the highest rate, you must have at least $250,000 in the account. Balances below that amount earn interest, just not the highest rate. Even the highest interest rate is not competitive with other online accounts.
To open an account with Fidelity Bank, you must visit a branch location. They do not offer online account applications. They have branch locations in Kansas.
The money market accounts have high opening required amounts. The Personal MMA requires $2,500 to open. The High Interest savings account also requires $2,500 to open. The Superior MMA requires $10,000 to open.
The interest rates for Fidelity Bank accounts are low. They are not competitive with other online-only accounts. Some accounts offer rates slightly higher than typical banks. Most account rates are competitive with typical bank rates.
Digital or Mobile Banking
Fidelity offers a mobile app and online banking. Through these tools, you can:
- See account balances and transactions
- Make mobile check deposits
- Pay bills
- Transfer money between accounts
- Locate ATM and branch locations
- Turn your debit card off and on
- Send money to others with Zelle
- Set up Apple, Google, and Samsung Pay
Cool Things
Knowledge Center
The Knowledge Center offers calculators and financial articles. You can learn how to pay off debt or tips for holiday shopping. The calculators include home and personal financing, retirement, and investing. Put in your personal information to see the best financial option.
History
Fidelity Investment Company started in 1905, in Wichita, Kansas. The bank first opened as a mortgage lender. By 1975, the bank had acquired Air Capital Savings. This increased the bank's assets by $32 million.
The bank started by Homer C. Bastian. His son, Marvin, joined the bank in 1946. In 1976, Marvin's sons, Clark and Clay Bastian, joined the bank. Fidelity Bank thrives under the leadership of family.
The headquarters are in downtown Wichita. In 2004, Fidelity acquired Bridgeview Bank in Oklahoma City. With the acquisition, Clarks son, Aaron, joined the bank's force.
Today, Fidelity Bank is a $2.5 billion bank and employs over 450 people.
Awards and Recognition
- "Outstanding Corporation Award" from Wichita Chapter of the Association of Fundraising Professionals in 2019
- Named "One of the Top 200 Healthiest Banks in America" by DepositAccounts.com in 2016
Giving Back
Homer and Marvin Bastian founded the Bastian Foundation in 1961. The organization contributes to scientific, library, and educational purposes. In 2008, the organization name changed to Fidelity Foundation. They serve non-profits focusing on arts, education, human service, and community improvement.
Fidelity Bank encourages employees to volunteer around the community. They volunteer through food and blood drives, community events, and YMCA dinners.
List of Common Bank Fees
- ATM Fees in the United States: $0-2
- ATM fees international: Not listed
- Bill Pay: Not listed
- CD Early Withdrawal Fees: Not listed
- Excessive Withdrawal Fees: $10
- Monthly Service Fees: $0-15
- Overdraft Service Fees: $36
- Paper Bank Statements: $2 for extra statements
- Wire Transfers (Domestic): $12-20
- Wire Transfers (International): $18-45
Frequently Asked Questions
- Are all the accounts FDIC insured?
- How do I access my money?
- Can I deposit cash?
- How long do transfers take?
- Can I sign up for direct deposit?
- Are ATM transactions free?
- Are ATM transaction fees reimbursed?
- Is mobile banking or a mobile app available?
- Is bill pay offered?
- Do the accounts offer competitive interest rates?
- Do checking accounts earn interest?
- What are the most popular accounts?
- What are the monthly maintenance fees?
- Is this one of the best banks?
- How are my money and information protected?
- Are any business accounts offered?
- What makes these accounts different?
- How do I reach customer service?
Yes. Fidelity Bank is FDIC insured. The FDIC is an agency of the United States government. They protect funds deposited in banks, up to $250,000 per customer, per bank. The money is backed by the full faith and credit of the United States government.
Through electronic transfers, bill pay, ATM or debit cards, and checks. You can also access your money at a local branch location.
Yes, at a branch location. Some ATMs may also accept cash deposits.
Specific transfer times are not listed on the website. Contact customer service for more information.
Yes. You can have money directly deposited into Fidelity Bank accounts.
Transactions made at Fidelity Bank ATMs are free. Transactions at other ATMs have a fee.
Some Fidelity Bank accounts waive foreign ATM fees.
Yes. With the mobile app, you can see account balances, deposit checks, and pay bills. You can transfer money, find branch and ATM locations, and turn debit cards off.
Yes. The Fidelity Bank checking accounts offer online bill pay. You must be 18 years old to use bill pay.
No. The interest rates for Fidelity Bank are not competitive. The rates are similar to traditional banks.
Yes. Fidelity Bank checking accounts earn interest, but the rates are low. The rates do not compare with other online checking accounts.
The money market accounts with Fidelity Bank are popular.
Some accounts have monthly fees. The fees are up to $15 per month. Waive the fees by keeping set account balances.
Fidelity Bank offers a wide variety of accounts. The opening required amounts for most accounts are low. The interest rates for the accounts are low. To open accounts, you must visit a branch location.
Fidelity Bank security measures comply with federal law. Their computers have safeguards. Their files and buildings are secure. They limit the personal information employees can see.
Yes. Fidelity Bank offers business accounts. Those include business checking and savings accounts.
Fidelity Bank offers a variety of accounts. The opening required amounts for most accounts are low.
Through phone, mail, email, or visiting a branch location. You can follow Fidelity Bank on Facebook, LinkedIn, and Twitter.
Bank Contact Information
Fidelity Bank100 East English
Wichita, KS 67202
800-658-1637
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| Savings (Rate as of 10/29/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 3.92% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 10/29/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 4.00% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC It only takes about 5 minutes to open a fee-free account. | |
| Savings (Rate as of 10/29/2024) | |
| APY | 4.81% |
|---|---|
| Rate | 4.81% |
| Min to Open | $500 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 10/29/2024) | |
| APY | 4.60% |
|---|---|
| Rate | 4.50% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.