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Spending Accounts

Made for the way you live.

Everything you need, nothing you don’t.

Every Spending Account Comes With:

With full digital access, security, and flexibility, we help you spend and manage your money with ease.

Flexibility and freedom in every choice.

Primary Spending

Simplified checking with easy ways to waive your monthly fee

Minimum Balance to Open: $25
Monthly Maintenance Fee:
$7
Ways to Waive the Monthly Fee: 

Maintain an average daily balance of $1,000 or more

OR

Have at least one electronic direct deposit posted during the statement cycle

Account Perks

Plus Spending

Offers convenience and a wide range of banking benefits

Minimum Balance to Open: $25
Monthly Maintenance Fee: $12
Ways to Waive the Monthly Fee: 

Maintain an average daily balance of $1,000 or more

AND

Have combined deposit and loan balances of $15,000 or more

Account Perks

  • Rate benefits on select CDs
  • Annual discount on safe deposit box rates
  • Access to Plus Money Market Account
  • Earns Interest1
  • Free Debit/ATM card
  • Early Paycheck Access
  • 100% Deposit Insurance via FDIC & DIF

Premier Spending

Our premier account that rewards you with exclusive benefits

Minimum Balance to Open:$25
Monthly Maintenance Fee:
$20
Ways to Waive the Monthly Fee:

Maintain an average daily balance of $1,000 or more

AND

Have combined deposit and loan balances of $50,000 or more

Account Perks

  • Rate benefits on select CDs
  • Annual discount on safe deposit box rates
  • Access to Premier Money Market Account
  • Fees waived for inbound wire transfers, stop payments
  • Earns Interest1
  • $1,000 Overdraft Privilege with no non-sufficient funds/uncollected fees
  • No annual IRA plan service fee
  • Higher mobile deposits and bank-to-bank transfer limits
  • Bonus credit when you close a new Fidelity Bank mortgage
  • Waived or reduced fees on some loans
  • Free Treasurer’s Checks
  • Free Debit/ATM card
  • Early Paycheck Access
  • 100% Deposit Insurance via FDIC & DIF

Empower Your Child’s Financial Future with Our Growth Spending Account2

Safe, Controlled, and Designed to Grow with Your Child

Minimum Balance to Open: $25
Monthly Maintenance fee:
No monthly fee

  • Free Personalized Debit/ATM card for Child
  • Parental Debit Card Management
  • Early Paycheck Access
  • 100% Deposit Insurance via FDIC & DIF

Specialty Spending Accounts

18/65 Spending3
A simple, no-fee account available to clients under age 19 or age 65 and older. A great fit for those with straightforward spending needs. Learn More

BankOn4
A low-cost, no-frills spending account designed to help individuals build or rebuild a strong banking relationship. Ideal for those new to banking or looking for a fresh start. Learn More

 

Banking That Cares About You

At Fidelity Bank, we go beyond just offering checking accounts—we’re your financial partner, dedicated to helping you manage your money with confidence. Using our unique C.A.R.E. Process, we take the time to understand your needs and provide solutions that fit your lifestyle.

With Fidelity Bank, you’ll have the support and guidance you need to make informed decisions and take your business to the next level. Let us help you move forward with confidence.

The Perfect Pair: Checking + Savings

A Fidelity Bank Savings Account is the ideal companion to your checking account, helping you grow your money while staying in control of your everyday finances. 

Open an account four easy ways

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 the child and assumes responsibility for the child’s transactions. The child must be 18 years of age or younger to qualify for this type of account. Upon reaching the age of 19, this account will convert to a Primary Spending account or a similar product at that time.
3 To qualify for 18/65 Savings, you must be under the age of 19 or age 65 and older.

* Credit Manager requires client registration/activation. Not available with Growth Spending.