Business Savings Accounts • Fidelity State Bank & Trust Company, Dodge City, Kansas

Personal Banking

Personal Savings Accounts

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	Regular Savings	Money Market	Advantage Money Market	Youth Savings
Great If You Want...¹	A basic savings account.	To earn more interest on your savings with easy access for occasional expenses.	To earn higher rates of interest on large balances with easy access for occasional expenses.	To help a youth start saving now.
Account Type²	Savings account⁴	Money market deposit account⁴	Money market deposit account⁴	Savings account⁴
Ownership	Consumer	Consumer	Consumer	Consumer under 18 years of age
Minimum Opening Deposit	$100.00	$100.00	$100.00	$1.00
Interest³	Earn interest on daily balances of $300.00 or more.	Tiered interest: higher balances earn higher rates. Ask us for details on each tier.	Tiered interest: higher balances earn higher rates. Ask us for details on each tier.	Earn interest on daily balances of $1.00 or more.
Online Banking	No additional charge	No additional charge	No additional charge	No additional charge
Monthly Maintenance Fee	$3.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $300.00 or an average available balance of at least $1,000.00.	$10.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $1,000.00 or an average available balance of at least $2,500.00.	$12.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $10,000.00 or an average available balance of at least $15,000.00.	No monthly maintenance fee
Excess Item Fees	$1.00 for each debit transaction over 3 debit items per monthly cycle. This fee is waived for any monthly cycle during which you maintain an average available balance of at least $2,500.00.	No excess item fee	No excess item fee	$1.00 for each debit transaction over 3 debit items per monthly cycle. This fee is waived for any monthly cycle during which you maintain an average available balance of at least $2,500.00.
Excessive Withdrawal Fee	In accordance with Federal regulations, your account is limited to no more than 6 pre-authorized, automatic, or telephone transfers or orders per monthly cycle. This does not apply to withdrawals you make in person or at the ATM. If you exceed this limit, you will be charged $10.00 per excessive withdrawal and your account may be closed.	In accordance with Federal regulations, your account is limited to no more than 6 pre-authorized, automatic, or telephone transfers or orders per monthly cycle. This does not apply to withdrawals you make in person or at the ATM. If you exceed this limit, you will be charged $10.00 per excessive withdrawal and your account may be closed.	In accordance with Federal regulations, your account is limited to no more than 6 pre-authorized, automatic, or telephone transfers or orders per monthly cycle. This does not apply to withdrawals you make in person or at the ATM. If you exceed this limit, you will be charged $10.00 per excessive withdrawal and your account may be closed.	In accordance with Federal regulations, your account is limited to no more than 6 pre-authorized, automatic, or telephone transfers or orders per monthly cycle. This does not apply to withdrawals you make in person or at the ATM. If you exceed this limit, you will be charged $10.00 per excessive withdrawal and your account may be closed.
Additional Features		Checks provided at no additional charge.	Checks provided at no additional charge.
Additional Terms				When an owner reaches 18 years of age, the account will convert to a Regular Savings account and be subject to the terms and conditions of such account. Our standard Inactivity Fee (as stated in our Fee Schedule) does not apply to this account.

Important Information

Account Terms. The information provided on this page provides basic information on our accounts for comparison purposes only. Accounts and services offered by us are governed by our standard Account Agreement, including our Fee Schedule as amended from time to time. Please read the agreement carefully before using a product or service. If you have any questions regarding a product or service, call us at 1-620-227-8586.
Member FDIC. Your deposits are insured to at least $250,000. Estimate your coverage using FDIC's EDIE - The Estimator.
Interest-Bearing Accounts. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
Notice of Withdrawal. We reserve the right to require no less than 7 days' written notice of each withdrawal. Federal law requires us to reserve this right.