The Fidelity Bank

Headquarters: Fuquay Varina, North Carolina
Charter: Bank
Assets: $4.7B
Fed district: Richmond

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.50, the middle of its prices
The Fidelity Bank: $0 to $12
The Fidelity Bank: $0 to $12
U.S. median: no median
Overdraft (OD)
The Fidelity Bank: $35
The Fidelity Bank: $35
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
The Fidelity Bank: $0 to $3
The Fidelity Bank: $0 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from The Fidelity Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Monthly service charge$4
per month
Monthly service chargeNo charge
per month
Monthly service charge$3
per month
Monthly service charge$12
per month
Monthly service charge$7
per month
Early closing fee (if within 6 months)$25
Additional foreign withdrawals in excess of three$3
Paper statement charge$3
Excessive activity fee (per item)$12
per item

Overdraft & NSF

Overdraft Fee$35
Overdraft automated transfer from checking account$10
Overdraft automated transfer from savings account$10

ATM & Card

ATM–Non-Fidelity Bank use: All other accounts$3
First three foreign ATM withdrawalsNo charge
Visa® Debit Card replacement fee$3
Visa® Debit Card foreign transaction fee (audience not stated, treated as personal)1%of the transaction
Visa® Debit Card foreign transaction fee1%of the transaction

Wire Transfers

Wire transfers: Domestic outgoing (in branch)$20
Wire transfers: Domestic outgoing (online)$15
Wire transfers: Domestic incoming$15
Wire transfers: International outgoing$45
Wire transfers: International incoming$15

Check Services

Cashier’s checks: All others$5
Money orders: All other customers$5
Counter checks$1
Counter checks (per check)$1
per item
Charge off deposit collection fee$25
Collection items (plus actual expenses paid to others)$75
Check copies (per check)$3
per item

Digital & Electronic

Bill Payment serviceNo charge
Proof of payment (less than 6 months for bill payment not in dispute)$10
Proof of payment (more than 6 months for bill payment not in dispute)$15

Account Services

Notary fee (per signature)$3
per item
Safe Deposit Box 10 X 10$110
Safe Deposit Box 3 X 10$55
Safe Deposit Box 3 X 5$30
Safe Deposit Box 5 X 10$75
Safe Deposit Box 5 X 5$45
Safe deposit box fees: 2 X 5$30
Safe deposit box fees: 3 X 10$55
Safe deposit box fees: 5 X 5$45
Legal process handling (tax levies, garnishments, etc.)$100
Deposit verification$10

Other Fees

Copy fee per statement$5
Each additional page$1
per item
Interim statements (without checks)$5
Photocopies (per copy)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Monthly service charge	$4	per month	None
Monthly service charge	No charge	per month	None
Monthly service charge	$3	per month	None
Monthly service charge	$12	per month	None
Monthly service charge	$7	per month	None
Early closing fee (if within 6 months)	$25	Not stated	None
Additional foreign withdrawals in excess of three	$3	Not stated	None
Paper statement charge	$3	Not stated	None
Excessive activity fee (per item)	$12	per item	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
Overdraft automated transfer from checking account	$10	Not stated	None
Overdraft automated transfer from savings account	$10	Not stated	None
ATM & Card
ATM–Non-Fidelity Bank use: All other accounts	$3	Not stated	None
First three foreign ATM withdrawals	No charge	Not stated	None
Visa® Debit Card replacement fee	$3	Not stated	None
Visa® Debit Card foreign transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Visa® Debit Card foreign transaction fee	1%of the transaction	Not stated	None
Wire Transfers
Wire transfers: Domestic outgoing (in branch)	$20	Not stated	None
Wire transfers: Domestic outgoing (online)	$15	Not stated	None
Wire transfers: Domestic incoming	$15	Not stated	None
Wire transfers: International outgoing	$45	Not stated	None
Wire transfers: International incoming	$15	Not stated	None
Check Services
Cashier’s checks: All others	$5	Not stated	None
Money orders: All other customers	$5	Not stated	None
Counter checks	$1	Not stated	None
Counter checks (per check)	$1	per item	None
Charge off deposit collection fee	$25	Not stated	None
Collection items (plus actual expenses paid to others)	$75	Not stated	None
Check copies (per check)	$3	per item	None
Digital & Electronic
Bill Payment service	No charge	Not stated	None
Proof of payment (less than 6 months for bill payment not in dispute)	$10	Not stated	None
Proof of payment (more than 6 months for bill payment not in dispute)	$15	Not stated	None
Account Services
Notary fee (per signature)	$3	per item	None
Safe Deposit Box 10 X 10	$110	Not stated	None
Safe Deposit Box 3 X 10	$55	Not stated	None
Safe Deposit Box 3 X 5	$30	Not stated	None
Safe Deposit Box 5 X 10	$75	Not stated	None
Safe Deposit Box 5 X 5	$45	Not stated	None
Safe deposit box fees: 2 X 5	$30	Not stated	None
Safe deposit box fees: 3 X 10	$55	Not stated	None
Safe deposit box fees: 5 X 5	$45	Not stated	None
Legal process handling (tax levies, garnishments, etc.)	$100	Not stated	None
Deposit verification	$10	Not stated	None
Other Fees
Copy fee per statement	$5	Not stated	None
Each additional page	$1	per item	None
Interim statements (without checks)	$5	Not stated	None
Photocopies (per copy)	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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