Deposit Accounts

Regular Checking

  • You must deposit $200.00 to open this account
  • Unlimited check writing
  • VISA ATM/Debit card available with credit approval
  • $3.00 maintenance fee plus a transaction fee of $.15 per debit to this account if the average daily balance drops below $500.00 for the monthly statement cycle
  • Free online banking with Bill Pay
  • This account receives a monthly statement with images of cleared checks

 

N.O.W. Account

  • You must deposit $300.00 to open this account
  • Interest is compounded and credited to your account monthly
  • Interest is paid on this account if the average daily balance is $300.00 or more per monthly statement cycle. The interest rate is variable.
  • Unlimited check writing
  • VISA ATM/Debit card available with credit approval
  • $3.00 maintenance fee plus a transaction fee of $.15 per debit to this account if the average daily balance drops below $500.00 for the monthly statement cycle
  • 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 $2,500.00 to open this account
  • Interest is compounded and credited to your account monthly
  • Interest is paid on this account if the average daily balance is $300.00 or more per monthly statement cycle. You must maintain an average daily balance of $2,500.00 each month to earn the disclosed annual percentage yield. The interest rate is variable.
  • $3.00 maintenance fee plus a transaction fee of $.15 per debit to this account if the average daily balance drops below $500.00 for the monthly statement cycle
  • Unlimited check writing
  • This account receives a monthly statement with images of cleared checks
  • Free online banking with Bill Pay
  • VISA ATM/Debit card available with credit approval

 

Money Market Account

  • You must deposit $2,500.00 to open this account
  • Interest is compounded and credited to your account monthly
  • Interest is paid on this account if the average daily balance is $300.00 or more per monthly statement cycle. You must maintain an average daily balance of $2,500.00 each month to earn the disclosed annual percentage yield. The interest rate is variable.
  • You may not make more than six transfers each month
  • $3.00 maintenance fee plus a transaction fee of $.15 per debit to this account if the average daily balance drops below $500.00 for the monthly statement cycle
  • This account receives a monthly statement with images of cleared checks
  • VISA ATM/Debit card available with credit approval
  • Free online banking

 

Senior Checking Account

  • This account is available to our customers age 55 or over.
  • 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.

 

Savings Account

  • You must deposit $50.00 to open this account
  • Interest is compounded and credited to your account quarterly.
  • A maintenance fee of $3.00 will be imposed each quarterly statement cycle the average daily balance falls below $50.00.
  • Accounts with more than six withdrawals per calendar quarter are service charged $1.00 for each additional withdrawal.
  • The interest rate on this account is variable.

 

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 $1000.00 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.