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OPT Checking - Learn More



OPT Checking base account includes: low opening deposit of $25, $.05 cash back for all signature check card purchases, no monthly fee, no minimum balance to maintain, unlimited check writing, Instant Issue Check Card with no annual fee, and free online banking. OPT Checking options include: free online bill pay, free standard checks, one overdraft fee refund per year, $25 annual bonus on your account anniversary, an additional $.05 cash back for every signature check card transaction, no charge from us for use of other institution's ATM, interest paid monthly on daily collected balance. Customer gets two options for free; additional options can be selected for $2.00 each a month. If the option to earn interest is selected, annual percentage yield is 0.05%. Rate is current through and subject to change. Fees could reduce earnings.


Note: Gift card pages are best viewed with Internet Explorer 6 or above.

The Fidelity Bank Gift Card is a prepaid card that can be used everywhere that Visa is accepted. It is the perfect gift for people of all ages because the choice is up to the recipient as to how they spend the money.

You can even use a prepaid Fidelity Bank gift card to shop online, use it just like you would a credit card. Gift Cards can be purchased at any of our 20 Wichita and Derby locations including our Walmart locations that are open for your convenience seven days a week.


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CDARS® is the Certificate of Deposit Account Registry Service® and is the easiest, most convenient way to enjoy full FDIC insurance on CD investments up to $50 million.

As a member bank of CDARS, Fidelity Bank can place large deposits into smaller-denomination CDs at multiple institutions. With CDARS, we can offer you significant benefits.
  • The safety of FDIC Insurance for your full deposit.
  • CD interest rates based on the maturity lengths you choose.
  • Monthly statement listing all of your CDs and a consolidated tax statement at the end of each year.


Let us help you open an account quickly and conveniently. Stop by one of our local branches today, or call your account representative for an appointment.