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Fidelity Bank (Atlanta, GA)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.30%SavingsPersonal Savings
0.30%Business SavingsBusiness Savings
1.10%5-year CD60 - 95 Month CD

Overview / Commentary
404-814-8114
3490 Piedmont Road Ne
Atlanta, GA 30305

Fidelity Bank (Atlanta, GA) is headquartered in Atlanta and is the 5th largest bank in the state of Georgia. It is also the 221st largest bank in the nation. It was established in 1974 and as of September of 2016, it had grown to 1,274 employees at 66 locations. Fidelity Bank (Atlanta, GA) has a B+ health rating.

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Great Bank

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.

Online And Mobile Apps Quite Frustrrating

The online website requires a separate Username and Password for billpay. The website asks for a new Password at almost every signon.
The Mobile App does the same. Check deposit is very unreliable. It will accept a deposit and the next day you may receive a message stating that the check image is not good enough.
But this bank is that it has accounts with no fees, so one has to weight that into account.

NO 24 HOUR SUPPORT

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

compliance guy

Worst Bank Ever

Posted by: John Smith | Jan 3, 2017

On top of the fact that this bank randomly freezes my BUSINESS check card and requires me to call in to unfreeze it so that I can spend MY MONEY, they do not have 24 hour customer service. So, on Friday night as I was taking a client out to dinner at a Mexican restaurant, my card was declined. The bill was only around $50 so I couldn't understand what the problem was. Luckily I had cash to pay the bill, but when I called into the customer service number they were closed for the weekend! Froze my card and then closed for the entire weekend! On a business account no less! I should have known right then that this wasn't the bank for me, but I persevered and chalked it up to a one-time thing or so I thought. Since then (about six months ago), they have frozen my card at least twice and have made me call in to unfreeze it.

Additionally, I had a charge on my account from a vendor that didn't deliver the services that were promised so I told the bank's rep on the telephone and he told me the only way I could dispute it was to go into a branch and fill out a form. So after having to physically drive to the bank, fill out a form with an entire written explanation, and providing proof of the incident I waited...and waited. The charge was for $55 so I didn't think it would take that long but after 20 days I finally received a letter in the mail stating that they had 'investigated' my case and had closed it because the vendor had delivered the service. I was flabbergasted. I called the local rep who spoke with the correct department who informed me that the charge was correct. I told them that it wasn't. We disagreed. I lost. But in the end, I've switched banks and that $55 was the straw that broke the camel's back. Good riddance to this dinosaur.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #21440
Year Established1974
Employees1274
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD9.19%
Annual Interest Income$111.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$4.39B$3.50B
LoansQ3 2016vs Q3 2015$3.75B$2.96B
DepositsQ3 2016vs Q3 2015$3.54B$2.92B
Equity CapitalQ3 2016vs Q3 2015$373.6MM$322.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$29.7MM$24.8MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$26.7MM$26.6MM
Real Estate OwnedQ3 2016vs Q3 2015$14.6MM$10.5MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Fidelity Bank (Atlanta, GA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Personal Savings
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $250k
0.30%*$250k*-Business Savings
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $250k

Fidelity Bank (Atlanta, GA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Business Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $250k
0.30%*$250k*-Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $250k

Fidelity Bank (Atlanta, GA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

Fidelity Bank (Atlanta, GA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$500-60 - 95 Month IRA
1.05%$500-48 - 59 Month IRA
1.00%$500-36 - 47 Month IRA
0.70%$500-24 - 35 Month IRA
0.55%$500-18 - 23 Month IRA
0.50%$500-12 - 17 Month IRA
0.40%$500-181 - 364 Day IRA
0.15%$500-32 - 60 Day IRA
0.15%$500-61 - 90 Day IRA
0.15%$500-91 - 180 Day IRA
0.05%$500-7 - 31 Day IRA
Locations

Fidelity Bank (Atlanta, GA) has 65 locations. Click to view all Fidelity Bank (Atlanta, GA) locations.