Fidelity Bank is headquartered in Atlanta and is the 7th largest bank in the state of Georgia. It is also the 287th largest bank in the nation. It was established in 1974 and as of September of 2013, it had grown to 865 employees at 33 locations. Fidelity Bank has a B+ health rating.
Simply put... If you are trying to use your card from outside of the state, it may be declined. When you call to discuss the issue you get a message that is useless. Don't open an account with this bank if you plan on using the card out of Georgia, on weekends and before and after bank hours. They DO NOT HAVE 24hrs HOUR SUPPORT with a manner that you can speak to somebody. Luckiily I use more than one bank... and no longer will do business with such a meager institution.
Just my 2 cents
I HAVE HAD THIS ACCOUNT FOR OVER 8 YEARS AND HAVE NOTHING BUT GOOD THINGS TO SAY ABOUT THEM. FANTASIC SERVICE THEY LOOK OUT FOR YOU. ANY LARGE SUSPICIOUS TRANSACTION THEY CONFIRM WITH YOU BY PHONE. HAD INTERNET TAX SERVICE TRYING TO TAKE MONEY FROM MY ACCOUNT FIDELITY GOT MY MONEY BACK, TO MY ACCOUNT SAME DAY.
THEY ARE RESONABLE WITH THERE RATES (FREE CHECKING) HAVE GREAT CUSTOMER SERVICE.
ARRIVED IN GA 8 YEARS AGO STARTING NEW JOB HAD PAYROLL CHECKS THEY GOT ME ACCOUNT IMMEDIATELY AND CASH WAS ABLE TO TRAVEL SAME DAY (MARY EDWARDS YOU ROCK GO FIDELITY).
FIDELITY THEY HAVE YOUR BACK.
I have been with this bank since the 1990s and have been a great customer. With this history, they still provided me very poor customer service during some recent transactions; if it wasn't such a hassal, I would dump them. I don't really know what other banks are like, but I would not recommend doing business with this bank.
I had this bank for 2 years I always had account issues, people are so rude, my card gets blocked all the time can't even make any purchases, I have to call to unblock my card by re setting my pin, and now I haven't used this card for about 4 or more months and I tried to make a deposit to my account the lady said ur account is closed they closed it because I didn't spin my money how stupid, and they asked if I wanted to re open the account, I said no hell way, they treat people so wrong I hate them, don't bank with them.
For the life of me, I cannot understand their system when it comes to posting transactions. They seem to have A LOT of bugs in their software. Ledger Balance, Available Balance, Current Balance... Oh my! What does it all mean?? I've been banking (both professionally and personally) for over 20 years, and I've never been so confused in my life. I've banked with the big banks to online banks, and I have never in my life been so freakin confused. I make a deposit, and it posts but there will be a negative balance, but there shouldn't be. Oh, and be careful if you transfer money to a savings account. Make sure nothing is PENDING, or they will ding you with a fee. Then you call their Customer Service, and they can't explain anything because what they see on a customer's accout (via their internal system is far different than what a customer sees on their online banking) So you have to go to the branch, and they will agree that their system has issues. Their internal system vs online (what the customers use) are very different I like banking locally, and they seem friendly, but seriously, get the kinks worked out! I'm over it!
I've been with this bank specifically the Roswell branch for about 10 years and it rocks!!! I have always had great service!!! Beth, Mary and Kathy are the greatest. if you want a bank that knows and remembers you by face, name and helps you when you need it go to Fidelity Bank! And my checking is free and all these other banks want to charge me for checking.
I have a loan out with Fidelity through no choice of my own. They have lost so many checks I have mailed to them because they do not have online bill pay. They are incredibly inept and have charged me a couple of hundred dollars in late fees, and waited until it got that high to tell me my payments were late. I changed my pay date, and the late fees continue to originate on the same date in the first part of the month when my due date is at the end. The person who deals with all their auto claims barely speaks English, and barely understands it, and has screwed my account over numerous times. I sent them a check for $3000 that they put to principal, and then the next month told me I was 2 months behind on my payments and they were going to repossess my car.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2013 Fidelity Bank had $58.38 million in non-current loans and owned real-estate with $289.49 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank a Texas Ratio of 20.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Fidelity Bank decreased dramatically from 30.75% as of September 30, 2012 to 20.17% as of September 30, 2013, resulting in a positive change of 34.41%.This indicates that the balance sheet and financial strength for Fidelity Bank has improved dramatically in recent periods.
In the past year, Fidelity Bank has increased its total deposits by $160.89 million, resulting in 7.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fidelity Bank has shown is excellent.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fidelity Bank has $2.56 billion in assets with $289.49 million in equity, resulting in a capitalization level of 11.29%, which is excellent.
|FDIC Certificate #||21440|
|Assets and Liabilities|
|Equity Capital||$255.83 million|
|Loan Loss Allowance||$33.66 million|
|Unbacked Noncurrent Loans||$29.78 million|
|Real Estate Owned||$28.60 million|
|Historic Data - September 2012|
|Equity Capital||$226.99 million|
|Loan Loss Allowance||$31.48 million|
|Unbacked Noncurrent Loans||$29.78 million|
|Real Estate Owned||$26.70 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.77%|
|Return on Assets||1.31%|
|Return on Equity||13.75%|
|Interest Income||$73.79 million|
Always verify rates and promotions with the bank or credit union. We are not Fidelity Bank, we are a rate comparison website and can not provide official rates or promotions.
|0.40%||$250k||-||Business Money Market|
|0.40%||$250k||-||LionShare Money Market|
|1.10%||$500||-||60 - 95 Month CD|
|1.10%||$500||-||60 - 95 Month Business CD|
|1.05%||$500||-||48 - 59 Month Business CD|
|1.05%||$500||-||48 - 59 Month CD|
|1.00%||$500||-||36 - 47 Month CD|
|1.00%||$500||-||36 - 47 Month Business CD|
|0.70%||$500||-||24 - 35 Month CD|
|0.70%||$500||-||24 - 35 Month Business CD|
|0.55%||$500||-||18 - 23 Month CD|
|0.55%||$500||-||18 - 23 Month Business CD|
|0.50%||$500||-||12 - 17 Month CD|
|0.50%||$500||-||12 - 17 Month Business CD|
|0.40%||$500||-||181 - 364 Day CD|
|0.40%||$500||-||181 - 364 Day Business CD|
|0.15%||$500||-||32 - 60 Day CD|
|0.15%||$500||-||61 - 90 Day CD|
|0.15%||$500||-||91 - 180 Day CD|
|0.15%||$500||-||32 - 60 Day Business CD|
|0.15%||$500||-||61 - 90 Day Business CD|
|0.15%||$500||-||91 - 180 Day Business CD|
|0.05%||$500||-||7 - 31 Day CD|
|0.05%||$500||-||7 - 31 Day Business CD|
|1.10%||$500||-||60 - 95 Month IRA|
|1.10%||$500||-||60 - 95 Month Roth IRA|
|1.05%||$500||-||48 - 59 Month IRA|
|1.05%||$500||-||48 - 59 Month Roth IRA|
|1.00%||$500||-||36 - 47 Month IRA|
|1.00%||$500||-||36 - 47 Month Roth IRA|
|0.70%||$500||-||24 - 35 Month IRA|
|0.70%||$500||-||24 - 35 Month Roth IRA|
|0.55%||$500||-||18 - 23 Month IRA|
|0.55%||$500||-||18 - 23 Month Roth IRA|
|0.50%||$500||-||12 - 17 Month IRA|
|0.50%||$500||-||12 - 17 Month Roth IRA|
|0.40%||$500||-||181 - 364 Day IRA|
|0.40%||$500||-||181 - 364 Day Roth IRA|
|0.15%||$500||-||32 - 60 Day IRA|
|0.15%||$500||-||61 - 90 Day IRA|
|0.15%||$500||-||91 - 180 Day IRA|
|0.15%||$500||-||32 - 60 Day Roth IRA|
|0.15%||$500||-||61 - 90 Day Roth IRA|
|0.15%||$500||-||91 - 180 Day Roth IRA|
|0.05%||$500||-||7 - 31 Day IRA|
|0.05%||$500||-||7 - 31 Day Roth IRA|