First Fidelity Bank

Headquarters: Oklahoma City, Oklahoma
Charter: Bank
Assets: $3.0B
Fed district: Kansas City

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

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

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

Monthly Maintenance
Freedom Checking $5 · Maximizer Checking $12
Compared at $8.50, the middle of its prices
First Fidelity Bank: $5 to $12
First Fidelity Bank: $5 to $12
U.S. median: no median
Overdraft (OD)
First Fidelity Bank: $25
First Fidelity Bank: $25
U.S. median: no median
Non-Network ATM
First Fidelity Bank: $1
First Fidelity Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 First Fidelity Bank’s own schedules, with a source for each figure.

Account Maintenance

Freedom Checking Monthly Fee$5
per month
Maximizer Checking Monthly fee$12
per month
Dormant Checking Account (per month-excluding Freedom Checking)$10
per month
Dormant Savings Account (per quarter)$10
Not compared: Quarterly charge, not monthly
per quarter
Paper Statement$3
per month

Overdraft & NSF

Overdraft Fee$25
7 Day Overdraft Processing Fee (one-time per occurrence)$25

ATM & Card

Non-FFB ATM$1
Debit Card Replacement (Card Reorder) -$5
Debit Card Expedited Replacement$5

Check Services

Stop Payment -$33
Temporary Checks (10 per request)$3
per item

Cash & Deposit

Return Check/Chargeback: Consumer (audience not stated, treated as personal)No charge
Return Check/Chargeback: ConsumerNo charge
Return Check/Chargeback: Consumer - FREEBusiness$7
Return Check/Chargeback: Incoming (audience not stated, treated as personal)$12
Return Check/Chargeback: Incoming (audience not stated, treated as personal)$20
Return Check/Chargeback: Outgoing (audience not stated, treated as personal)$25
Return Check/Chargeback: Statement Printout (without images)$3

Account Services

Garnishment/Levy (per instance) -$70
per item

Retirement & IRA

IRA Closing$35
IRA Transfer$35

Other Fees

Statement Printout (without images)$3

Fee	Amount	Basis	Note
Account Maintenance
Freedom Checking Monthly Fee	$5	per month	None
Maximizer Checking Monthly fee	$12	per month	None
Dormant Checking Account (per month-excluding Freedom Checking)	$10	per month	None
Dormant Savings Account (per quarter)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Paper Statement	$3	per month	None
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
7 Day Overdraft Processing Fee (one-time per occurrence)	$25	Not stated	None
ATM & Card
Non-FFB ATM	$1	Not stated	None
Debit Card Replacement (Card Reorder) -	$5	Not stated	None
Debit Card Expedited Replacement	$5	Not stated	None
Check Services
Stop Payment -	$33	Not stated	None
Temporary Checks (10 per request)	$3	per item	None
Cash & Deposit
Return Check/Chargeback: Consumer (audience not stated, treated as personal)	No charge	Not stated	None
Return Check/Chargeback: Consumer	No charge	Not stated	None
Return Check/Chargeback: Consumer - FREEBusiness	$7	Not stated	None
Return Check/Chargeback: Incoming (audience not stated, treated as personal)	$12	Not stated	None
Return Check/Chargeback: Incoming (audience not stated, treated as personal)	$20	Not stated	None
Return Check/Chargeback: Outgoing (audience not stated, treated as personal)	$25	Not stated	None
Return Check/Chargeback: Statement Printout (without images)	$3	Not stated	None
Account Services
Garnishment/Levy (per instance) -	$70	per item	None
Retirement & IRA
IRA Closing	$35	Not stated	None
IRA Transfer	$35	Not stated	None
Other Fees
Statement Printout (without images)	$3	Not stated	None

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

Account Maintenance

Dormant Checking Account (per month-excluding Freedom Checking)$10
per month
Dormant Savings Account (per quarter)$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

7 Day Overdraft Processing Fee (one-time per occurrence)$25

ATM & Card

Non-FFB ATM$1
Debit Card Replacement (Card Reorder) -$5
Debit Card Expedited Replacement$5

Check Services

Stop Payment -$33
Temporary Checks (10 per request)$3
per item

Cash & Deposit

Return Check/Chargeback: Business$7
Return Check/Chargeback: Outgoing Business$45
Return Check/Chargeback: Statement Printout (without images)$3

Account Services

Garnishment/Levy (per instance) -$70
per item

Retirement & IRA

IRA Closing$35
IRA Transfer$35

Other Fees

Statement Printout (without images)$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Checking Account (per month-excluding Freedom Checking)	$10	per month	None
Dormant Savings Account (per quarter)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
7 Day Overdraft Processing Fee (one-time per occurrence)	$25	Not stated	None
ATM & Card
Non-FFB ATM	$1	Not stated	None
Debit Card Replacement (Card Reorder) -	$5	Not stated	None
Debit Card Expedited Replacement	$5	Not stated	None
Check Services
Stop Payment -	$33	Not stated	None
Temporary Checks (10 per request)	$3	per item	None
Cash & Deposit
Return Check/Chargeback: Business	$7	Not stated	None
Return Check/Chargeback: Outgoing Business	$45	Not stated	None
Return Check/Chargeback: Statement Printout (without images)	$3	Not stated	None
Account Services
Garnishment/Levy (per instance) -	$70	per item	None
Retirement & IRA
IRA Closing	$35	Not stated	None
IRA Transfer	$35	Not stated	None
Other Fees
Statement Printout (without images)	$3	Not stated	None

Correct a fee source

Oct 31, 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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Fees against the market

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

Monthly Maintenance
Freedom Checking $5 · Maximizer Checking $12
Compared at $8.50, the middle of its prices
First Fidelity Bank: $5 to $12
First Fidelity Bank: $5 to $12
U.S. median: no median
Overdraft (OD)
First Fidelity Bank: $25
First Fidelity Bank: $25
U.S. median: no median
Non-Network ATM
First Fidelity Bank: $1
First Fidelity Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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.

Published fee schedule

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

Account Maintenance

Freedom Checking Monthly Fee$5
per month
Maximizer Checking Monthly fee$12
per month
Dormant Checking Account (per month-excluding Freedom Checking)$10
per month
Dormant Savings Account (per quarter)$10
Not compared: Quarterly charge, not monthly
per quarter
Paper Statement$3
per month

Overdraft & NSF

Overdraft Fee$25
7 Day Overdraft Processing Fee (one-time per occurrence)$25

ATM & Card

Non-FFB ATM$1
Debit Card Replacement (Card Reorder) -$5
Debit Card Expedited Replacement$5

Check Services

Stop Payment -$33
Temporary Checks (10 per request)$3
per item

Cash & Deposit

Return Check/Chargeback: Consumer (audience not stated, treated as personal)No charge
Return Check/Chargeback: ConsumerNo charge
Return Check/Chargeback: Consumer - FREEBusiness$7
Return Check/Chargeback: Incoming (audience not stated, treated as personal)$12
Return Check/Chargeback: Incoming (audience not stated, treated as personal)$20
Return Check/Chargeback: Outgoing (audience not stated, treated as personal)$25
Return Check/Chargeback: Statement Printout (without images)$3

Account Services

Garnishment/Levy (per instance) -$70
per item

Retirement & IRA

IRA Closing$35
IRA Transfer$35

Other Fees

Statement Printout (without images)$3

Fee	Amount	Basis	Note
Account Maintenance
Freedom Checking Monthly Fee	$5	per month	None
Maximizer Checking Monthly fee	$12	per month	None
Dormant Checking Account (per month-excluding Freedom Checking)	$10	per month	None
Dormant Savings Account (per quarter)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Paper Statement	$3	per month	None
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
7 Day Overdraft Processing Fee (one-time per occurrence)	$25	Not stated	None
ATM & Card
Non-FFB ATM	$1	Not stated	None
Debit Card Replacement (Card Reorder) -	$5	Not stated	None
Debit Card Expedited Replacement	$5	Not stated	None
Check Services
Stop Payment -	$33	Not stated	None
Temporary Checks (10 per request)	$3	per item	None
Cash & Deposit
Return Check/Chargeback: Consumer (audience not stated, treated as personal)	No charge	Not stated	None
Return Check/Chargeback: Consumer	No charge	Not stated	None
Return Check/Chargeback: Consumer - FREEBusiness	$7	Not stated	None
Return Check/Chargeback: Incoming (audience not stated, treated as personal)	$12	Not stated	None
Return Check/Chargeback: Incoming (audience not stated, treated as personal)	$20	Not stated	None
Return Check/Chargeback: Outgoing (audience not stated, treated as personal)	$25	Not stated	None
Return Check/Chargeback: Statement Printout (without images)	$3	Not stated	None
Account Services
Garnishment/Levy (per instance) -	$70	per item	None
Retirement & IRA
IRA Closing	$35	Not stated	None
IRA Transfer	$35	Not stated	None
Other Fees
Statement Printout (without images)	$3	Not stated	None

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

Account Maintenance

Dormant Checking Account (per month-excluding Freedom Checking)$10
per month
Dormant Savings Account (per quarter)$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

7 Day Overdraft Processing Fee (one-time per occurrence)$25

ATM & Card

Non-FFB ATM$1
Debit Card Replacement (Card Reorder) -$5
Debit Card Expedited Replacement$5

Check Services

Stop Payment -$33
Temporary Checks (10 per request)$3
per item

Cash & Deposit

Return Check/Chargeback: Business$7
Return Check/Chargeback: Outgoing Business$45
Return Check/Chargeback: Statement Printout (without images)$3

Account Services

Garnishment/Levy (per instance) -$70
per item

Retirement & IRA

IRA Closing$35
IRA Transfer$35

Other Fees

Statement Printout (without images)$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Checking Account (per month-excluding Freedom Checking)	$10	per month	None
Dormant Savings Account (per quarter)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
7 Day Overdraft Processing Fee (one-time per occurrence)	$25	Not stated	None
ATM & Card
Non-FFB ATM	$1	Not stated	None
Debit Card Replacement (Card Reorder) -	$5	Not stated	None
Debit Card Expedited Replacement	$5	Not stated	None
Check Services
Stop Payment -	$33	Not stated	None
Temporary Checks (10 per request)	$3	per item	None
Cash & Deposit
Return Check/Chargeback: Business	$7	Not stated	None
Return Check/Chargeback: Outgoing Business	$45	Not stated	None
Return Check/Chargeback: Statement Printout (without images)	$3	Not stated	None
Account Services
Garnishment/Levy (per instance) -	$70	per item	None
Retirement & IRA
IRA Closing	$35	Not stated	None
IRA Transfer	$35	Not stated	None
Other Fees
Statement Printout (without images)	$3	Not stated	None

Correct a fee source

Oct 31, 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.