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100% Insured Deposits – Your money is fully insured – so you never have to worry.
Debit/ATM Card: Make safe, secure, and easy purchases.
SUM ATM Network: No fees at thousands of locations. Total convenience.
Early Paycheck: Get your paycheck up to two days early.
Online Banking: Manage your money day or night, no matter where life takes you.
Mobile Banking: Your money on demand from the palm of your hand.
Credit Score and ID Theft Monitoring*: With our Credit Manager tool, we’ll keep an eye on your personal information so you don’t have to.
Debit Card Management: Keep your card safe, your spending in check, and more with our Card Management tool.
Mobile Check Deposit: Deposit checks anytime, anywhere—right from your phone.
Digital Wallet: No wallet? No problem. Use your phone to pay on the go.
Account Alerts: Stay in the know and in control of your money with real-time updates.
| Free Checking | Primary Spending | Plus Spending | Premier Spending | Growth Spending2 | 18/65 Spending3 | |
|---|---|---|---|---|---|---|
| Simplified banking with no maintenance fees | Flexible banking with easy options to waive fees | Offers convenience and a wide range of banking benefits | Our premier account that rewards you with exclusive benefits | A safe, easy way to teach kids and teens smart money habits, with parental controls and a personalized debit card | A basic account for those under 19 or 65 or over |
|
| Open an Account Online | Open an Account Online | Open an Account Online | Open an Account Online | Open an Account Online | ||
| Earns Interest | No | No | Yes | Yes | No | No |
| ATM Fee Reimbursements | No | No | Unlimited refund of other banks’ surcharges4 | Unlimited refund of other banks’ surcharges4 | No | No |
| How to Avoid Maintenance Fee | There is no monthly fee You must enroll in eStatements within 60 days of account opening and maintain your enrollment to qualify for this account | Maintain an average daily balance of $1,000 or more OR Have at least one electronic direct deposit posted during the statement cycle | Maintain an average daily balance of $1,000 or more AND Have combined deposit and loan balances of $15,000 or more | Maintain an average daily balance of $1,000 or more AND Have combined deposit balances of $50,000 or more | There is no monthly fee | There is no monthly fee |
| Checks | Free first order of standard checks | Free first order of standard checks | Unlimited free standard checks | Unlimited free standard checks | No check writing | Yes, Unlimited free standard checks |
| Statements | eStatement only | eStatement or Paper | eStatement or Paper | eStatement or Paper | eStatement or Paper | eStatement or Paper |
| Non-Fidelity Bank ATM Withdrawals | $1 per transaction | 5 free per cardholder per month, $1 per thereafter | Unlimited Free | Unlimited Free | $1 per transaction | $1 per transaction |
| Minimum Balance to Open | $25 | $25 | $25 | $25 | $25 | $25 |
| Monthly Maintenance Fee | None | $7 | $12 | $20 | None | None |
| Debit Card Limits | $5,000 | $5,000 | $5,000 | $5,000 | $1,000 | $5,000 |
| Other Benefits | – Free Debit/ATM card – Early Paycheck Access – 100% Deposit Insurance via FDIC & DIF | – Free Debit/ATM card – Early Paycheck Access – 100% Deposit Insurance via FDIC & DIF | – Rate benefits on select CDs – Annual discount on safe deposit box rates – Access to Plus Money Market Account2 – Earns Interest1 – Free Debit/ATM card – Early Paycheck Access – 100% Deposit Insurance via FDIC & DIF | – Rate benefits on select CD – Annual discount on safe deposit box rates – Access to Premier Money Market Account3 – Earns Interest1 – Waived fees (inbound wires, stop payments, Treasurer’s Checks) – No debit card replacement fee – Higher mobile deposit and transfer limits – Bonus mortgage credit – No IRA plan fee – Free Debit/ATM card – Early Paycheck Access – 100% Deposit Insurance via FDIC & DIF | – Free Personalized Debit/ATM card for Child – Parental Debit Card Management – Early Paycheck Access – 100% Deposit Insurance via FDIC & DIF | – Free Debit/ATM card – Early Paycheck Access – 100% Deposit Insurance via FDIC & DIF |
1 Please see our Terms & Conditions, Truth-In-Savings Disclosures, Fee Schedule, and current rates for more detail. All rates are subject to change without notice. Fees may reduce the earnings on these accounts. Personal accounts only.
2 Minimum balance to open the account – You must deposit $25.00 to open this account. Additional requirements – The parent or guardian opens this account jointly with teen and assumes responsibility of teen’s transactions. Teen must be between the ages of 13 and 18 to qualify for this type of account. Upon reaching the age of 19, this account will convert to a Primary Spending account or similar product at that time. Limit one Growth Spending account per teen. Personal accounts only. Fees: See Fee Schedule.
3 To qualify for 18/65 Spending, you must be under the age of 19 or age 65 and older.
4 The value of ATM reimbursements may constitute taxable income and will be reported on IRS Form 1099 (or other appropriate form).
* Credit Manager requires client registration/activation. Not available with Growth Spending.
