Personal Checking & Savings

Find the accounts that fit your needs from our wide range of personal checking and savings account options.

Find your account:  Premiere Checking  |  Basic Checking  |  Savings Accounts

Additional Services & Fees

The information provided on this page provides basic information on our accounts for comparison purposes only. For complete information on the services offered with an account, the fees associated with an account, and other terms and conditions, please call us at (620) 227-8586 or visit us at our Main Bank or North Branch location.

Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Premiere Checking

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  Ultima Checking Personal NOW Heritage Gold
What are you looking for? I want a full-featured interest-bearing account that lets me write checks. I want an interest-bearing account that lets me write checks. I'm 55 years or older and want a checking account with premiere features.
Free Direct Deposit Tickmark Tickmark Tickmark
Free Online Banking Tickmark Tickmark Tickmark
Free Banking by Phone Tickmark Tickmark Tickmark
Visa Check Card Included Upon Approval Included Upon Approval Included Upon Approval
ATM Card Included Upon Approval Included Upon Approval Included Upon Approval
Returned Check Images Tickmark Tickmark Tickmark
Interest-Bearing1 Tickmark Tickmark  
Unlimited Transactions Tickmark   Tickmark
Free Checks 400 "Image Style" checks per year    
Premium Banking Services Yes. Contact us for more information.    
Minimum Monthly Balance Requirements2 $1,500 current balance or $3,000 average available balance $1,000 current balance or $1,500 average available balance None
Monthly Maintenance Fee2,3 None if either minimum balance requirement is met, otherwise $12.00 per month None if either minimum balance requirement is met, otherwise $8.00 per month $4.00 per month
Monthly Transaction Fees2 None None if average balance requirement is met, otherwise $0.30 for each debit item over 20 items per month None
  1. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
  2. Monthly balance requirements and service fees subject to change. Contact us for the latest information.
  3. In addition to the monthly maintenance fee, an inactivity fee will be charged if your account is inactive for a period of time and your balance falls below a certain amount. Contact us for further details.

Basic Checking

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  Regular Checking Thrifty Checking Value Checking Heritage Checking
What are you looking for? I want a flexible checking account with a low minimum balance. I want a simple checking account with no required balance. I'm under 30 years old and need a basic checking account. I'm 55 years or older and need a full-featured checking account.
Free Direct Deposit Tickmark Tickmark Tickmark Tickmark
Free Online Banking Tickmark Tickmark Tickmark Tickmark
Free Banking by Phone Tickmark Tickmark Tickmark Tickmark
Visa Check Card Included Upon Approval Included Upon Approval Included Upon Approval Included Upon Approval
ATM Card Included Upon Approval Included Upon Approval Included Upon Approval Included Upon Approval
Returned Check Images Tickmark     Tickmark
Interest-Bearing1        
Free Checks        
Premium Banking Services       Yes. Contact us for more information.
Minimum Monthly Balance Requirements2 $500 current balance or $1,000 average available balance. None None $100 current balance or $1,000 average available balance.
Monthly Maintenance Fee2,3 None if either minimum balance requirement is met, otherwise $6.00 per month
 
None if you are 62 years or older		 $3.00 per month None None if either minimum balance requirement is met, otherwise $6.00 per month
Monthly Transaction Fees2 None if either minimum balance requirement is met, otherwise $0.30 for each debit item over 20 items per month
 
None if you are 62 years or older		 $0.30 for each debit item over 10 items per month None None if minimum average balance requirement is met, otherwise $0.30 for each debit item over 20 items per month
  1. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
  2. Monthly balance requirements and service fees subject to change. Contact us for the latest information.
  3. In addition to the monthly maintenance fee, an inactivity fee will be charged if your account is inactive for a period of time and your balance falls below a certain amount. Contact us for further details.

Savings Accounts

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  Regular Savings Money Market Advantage Money Market Certificate of Deposit
What are you looking for? I want a basic savings account. I want to earn more interest and have easy access to my money. I want to invest a larger amount of funds at higher interest rates and have easy access to my money. I want to earn an even higher interest rate and can plan when I need my money.
Free Direct Deposit Tickmark Tickmark Tickmark Tickmark
Safe, FDIC-Insured Account Tickmark Tickmark Tickmark Tickmark
Free Online Banking Tickmark Tickmark Tickmark Tickmark
Limited Check Writing & Transfers   Tickmark Tickmark  
Free Checks   Tickmark Tickmark  
Unlimited Transfers Tickmark      
Higher Interest Rates on Higher Balance Tiers1   Tickmark Tickmark Tickmark
Minimum Balance Requirements2 $300 current balance or $1,000 average available balance $1,000 current balance or $2,500 average available balance $10,000 current balance or $15,000 average available balance Based on Type of CD
Monthly Maintenance Fee2,3 None if either minimum balance requirement is met, otherwise $3.00 per month None if either minimum balance requirement is met, otherwise $10.00 per month None if either minimum balance requirement is met, otherwise $12.00 per month None
  1. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
  2. Monthly balance requirements and service fees subject to change. Contact us for the latest information.
  3. In addition to the monthly maintenance fee, an inactivity fee will be charged if your account is inactive for a period of time and your balance falls below a certain amount. Contact us for further details.

An Important Note About Communications from Us

Fidelity State Bank is dedicated to protecting your private financial information. We will never ask you for confidential personal or financial information via an e-mail message, text message, or unsolicited telephone call. If you receive an e-mail that requests confidential personal or financial information—or sends you to a website that asks the same—ignore it.

Please call us at 620-227-8586 if you have any questions about any communications that are claimed to be from us.

FDIC Insurance

Member FDIC. Each depositor insured to at least $250,000.

Investment products are not covered. Investment securities products available through Fidelity State Bank & Trust Co. are not deposits or obligations of the bank, are not guaranteed by the bank, are not insured by FDIC or any other government agency, and may involve investment risk, including possible loss of principal.

Web Access Disclosures & Terms

Online banking requires a pre-existing account with us. Visit us at our Main Bank or North Branch to open an account.

For specific information on the terms and conditions of an account or product offering, please visit us or call us at (620) 227-8586.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.