| Regular Checking | Senior/Student Checking | NOW Account | Super NOW Account | Money Market | Savings Account | |
|---|---|---|---|---|---|---|
| Opening Deposit | $100.00 | $100.00 | $500.00 | $500.00 | $2,500.00 | $50.00 |
| Interest | No | No | You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed average percentage yield. | You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed average percentage yield. | You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed average percentage yield. | You must maintain a minimum daily balance of $50.00 to obtain the disclosed average percentage yield. |
| Minimum Balance Fee | A Minimum Balance Fee of $6.00 will be imposed every month if the average daily balance for the month falls below $500.00 | None | A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00 | A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00 | A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $2,500.00 | A Minimum Balance Fee of $1.00 will be imposed every month if the average daily balance for the month falls below $50.00 |
| Excessive Withdrawal Fee | None | None | None | None | Six or more withdrawals per calendar month are service charged $1.00 for each additional withdrawal (currently waived due to COVID-19) | Six or more withdrawals per calendar month are service charged $1.00 for each additional withdrawal (currently waived due to COVID-19) |
| Unlimited Check Writing | yes | Plain wallet style checks are provided free | yes | yes | No | No |
| VISA ATM / Debit Card | Available with credit approval | Available with credit approval | Available with credit approval | Available with credit approval | No | No |
| Online Banking | yes | yes | yes | yes | yes | yes |
| Statements | Receives a monthly statement with images of cleared checks | Receives a monthly statement with images of cleared checks | Receives a monthly statement with images of cleared checks | Receives a monthly statement with images of cleared checks | Receives a monthly statement with images of cleared checks | Receives a quarterly statement with images of cleared checks |
Regular Checking
Opening Deposit
$100.00
Interest
No
Minimum Balance Fee
A Minimum Balance Fee of $6.00 will be imposed every month if the average daily balance for the month falls below $500.00
Excessive Withdrawal Fee
None
Unlimited Check Writing
yes
VISA ATM / Debit Card
Available with credit approval
Online Banking
yes
Statements
Receives a monthly statement with images of cleared checks
Senior/Student Checking
Opening Deposit
$100.00
Interest
No
Minimum Balance Fee
None
Excessive Withdrawal Fee
None
Unlimited Check Writing
Plain wallet style checks are provided free
VISA ATM / Debit Card
Available with credit approval
Online Banking
yes
Statements
Receives a monthly statement with images of cleared checks
NOW Account
Opening Deposit
$500.00
Interest
You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed average percentage yield.
Minimum Balance Fee
A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00
Excessive Withdrawal Fee
None
Unlimited Check Writing
yes
VISA ATM / Debit Card
Available with credit approval
Online Banking
yes
Statements
Receives a monthly statement with images of cleared checks
Super NOW Account
Opening Deposit
$500.00
Interest
You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed average percentage yield.
Minimum Balance Fee
A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00
Excessive Withdrawal Fee
None
Unlimited Check Writing
yes
VISA ATM / Debit Card
Available with credit approval
Online Banking
yes
Statements
Receives a monthly statement with images of cleared checks
Money Market
Opening Deposit
$2,500.00
Interest
You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed average percentage yield.
Minimum Balance Fee
A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $2,500.00
Excessive Withdrawal Fee
Six or more withdrawals per calendar month are service charged $1.00 for each additional withdrawal (currently waived due to COVID-19)
Unlimited Check Writing
No
VISA ATM / Debit Card
No
Online Banking
yes
Statements
Receives a monthly statement with images of cleared checks
Savings Account
Opening Deposit
$50.00
Interest
You must maintain a minimum daily balance of $50.00 to obtain the disclosed average percentage yield.
Minimum Balance Fee
A Minimum Balance Fee of $1.00 will be imposed every month if the average daily balance for the month falls below $50.00
Excessive Withdrawal Fee
Six or more withdrawals per calendar month are service charged $1.00 for each additional withdrawal (currently waived due to COVID-19)
Unlimited Check Writing
No
VISA ATM / Debit Card
No
Online Banking
yes
Statements
Receives a quarterly statement with images of cleared checks
Regular Checking
- You must deposit $100.00 to open this account
- Unlimited check writing
- VISA ATM/Debit card available with credit approval
- A Minimum Balance Fee of $6.00 will be imposed every month if the average daily balance for the month falls below $500.00
- Free online banking with Bill Pay
- This account receives a monthly statement with images of cleared checks
Senior / Student Checking Account
- This account is available to our seniors age 55 or over and students 18 or under
- This account has the same features as our Regular Checking Account except there are no maintenance or transaction fees or no minimum balance requirements.
- Plain wallet style checks are provided free.
N.O.W. Account
- You must deposit $500.00 to open this account
- Interest is compounded and credited to your account monthly
- You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The interest rate is variable.
- Unlimited check writing
- VISA ATM / Debit card available with credit approval
- A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00.
- Free online banking with Bill Pay
- This account receives a monthly statement with images of cleared checks
Super N.O.W. Account
- You must deposit $500.00 to open this account
- Interest is compounded and credited to your account monthly
- You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. For tiered rate accounts, you must maintain the minimum balance defined in a tier to earn the disclosed interest rate and Annual Percentage Yield (APY). The interest rate is variable.
- Unlimited check writing
- VISA ATM / Debit card available with credit approval
- A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00
- Free online banking with Bill Pay
- This account receives a monthly statement with images of cleared checks
Money Market Account
- You must deposit $2,500.00 to open this account
- Interest is compounded and credited to your account monthly
- You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. For tiered rate accounts, you must maintain the minimum balance defined in a tier to earn the disclosed interest rate and Annual Percentage Yield (APY). The interest rate is variable.
- During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order of instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
- A Minimum Balance Fee of $8.00 will be imposed every month if the average daily balance for the month falls below $2,500.00.
- Free online banking
- This account receives a monthly statement with images of cleared checks
Savings Account
- You must deposit $50.00 to open this account.
- Interest is compounded and credited to your account quarterly.
- You must maintain a minimum daily balance of $50.00 to obtain the disclosed annual percentage yield. The interest rate is variable.
- During any month, you may not make more than 6 withdrawals or transfers to another account account of yours or to a third party by means of preauthorized or automatic transfer or telephone order of instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
- A Minimum Balance Fee of $1.00 will be imposed every month if the average daily balance for the month falls below $50.00.
- Free Online Banking
- This account receives a quarterly statement with images of cleared checks
Certificates of Deposit
First Fidelity Bank certificates of deposit are designed to give you a higher rate of return in exchange for various term commitments on your deposit. Our certificate of deposit terms range from 91 days to 5 years and require a minimum deposit of $1,000.00 to open. Interest is compounded quarterly and is paid or credited quarterly and at maturity on accounts with a term of six months or longer. All certificates of deposit accounts are designed to renew automatically at maturity. Penalties ranging from loss of 30 days to six months interest may be imposed for withdrawals of principal before the maturity date. See our Rates page for terms and rates we are currently offering. Please contact a new accounts representative at 256-845-1077 for additional information.
Individual Retirement Accounts (IRA's)
First Fidelity Bank offers a selection of retirement accounts. Customers may choose from a Traditional IRA or Roth IRA on the same deposit terms as our Certificates of Deposit. Please consult with your tax advisor concerning advantages and limitations based on your personal circumstances.
