First Fidelity Bank

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First Fidelity Bank is a community bank based out of Oklahoma serving the greater southwestern US region. We offer a variety of personal and business products and services to fit your needs.

First Fidelity Bank | Account Opening

By providing us with a mobile number, you expressly consent to receive communications from FFB, which may include text messages and calls.&nbsp;Calls and messages may incur fees from your cellular provider. For more information on HSAs, click <a target="_blank" rel="noopener noreferrer" href="https://www.ffb.com/personal-banking/health-savings-accounts">HERE.</a>

Enter Mobile Number to Begin:

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Pay for your medical expenses with tax-free savings!

Savings for Health (HSA)

Email Address

This is how we send you important information about your application.

What is your email? 

By checking this box, you confirm that you have read and agree to the <a href="https://www.ffb.com/esign-act-disclosure" target="_blank">Electronic Disclosure and Consent</a>

I am eligible to establish an HSA and certify the following...<ul><li>I am covered under a qualifying high-deductible health plan (HDHP)</li><li>I am not covered under any other insurance plans that are not HDHP</li><li>I am not enrolled in Medicare</li><li>I am not able to be claimed on someone else’s tax return</li><li>I have reviewed the <a href="https://www.ffb.com/health-savings-account-disclosure" target="_blank">HSA Disclosure</a> and <a href="https://www.ffb.com/health-savings-custodial-account" target="_blank">IRS Form 5305-C</a></li>

Enter your name as it appears on your driver’s license, passport, or other government-issued ID.

What is your name?

By checking this box, I agree that I have read, understand, and consent to First Fidelity Bank’s <a href="https://www.ffb.com/annual-privacy-notice" target="_blank">Privacy Policy</a>, <a href="https://www.ffb.com/arbitration-agreement" target="_blank">Arbitration Agreement</a>, and <a href="https://www.ffb.com/electronic-fund-transfer-agreement" target="_blank">Electronic Fund Transfer Disclosure and Agreement.</a>.

Let’s Get Started

Please answer the following questions to access your account:

Birthday

First Name

Last Name

Social Security Number

Welcome Back

This is your physical address (no P.O. Boxes or business addresses).

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

This information is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared with anyone.

*You will need this code if you call into Customer Service.

Okay, now let’s verify your identity.

ID verification will be done securely with a third party, and only takes a few minutes. This important step helps us secure your information and creates a more trusted platform for all our customers.

We were unable to verify your identity now, but don’t worry, you can continue with your application! We may reach out to you for additional information later.

Have one of the following forms of ID ready:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul>

By clicking "Verify Me", you agree to our partner Plaid’s <a href="https://plaid.com/legal/#end-user-services-agreement-us" target="_blank">Terms of Service</a> and <a href="https://plaid.com/legal/#end-user-privacy-policy" target="_blank">Privacy Policy</a>.

We found existing account information on file for you. Would you like to use one of the accounts below?

Let’s verify your identity

Would you like to permit someone else (such as your spouse) to authorize payments from your HSA? Card Holders will have access to a debit card for the account. Debit cards will be mailed to the account owner.

Debit Card Holders

Complete information for each individual and/or trust you would like to add as a card holder.

Card Holder Information

Would you like to permit someone else (such as your spouse) to authorize payments from your HSA. Authorized signers will have access to a debit card for the account. Debit cards will be mailed to the account owner.

Authorized Signer

Complete information for each individual and/or trust you would like to add as a authorized signer.

Authorized Signer Information

Beneficiaries

Complete information for each individual and/or trust you would like to add as a beneficiary.

Beneficiary Information

Please choose an account funding method below. &nbsp;You may choose to have recurring funds sent from your payroll department each pay period or self-fund with a one-time deposit from an FFB or non-FFB account.&nbsp; Your initial deposit must be made within 30 days after your application is approved to keep the account open and active.

How would you like to fund your new account?

Log in to your existing bank to fund your new checking account.

Your account setup is is not complete until you make your first deposit. Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

I authorize the above funds to be withdrawn from my account. I understand that bank transfers can take 3 to 5 business days to be completed.

Deposit Details

Would you like to set up recurring deposits?

Recurring Deposits

2024 Contributions Limits:<ul><li>Individual Limits - $4,150</li><li>Family Limits - $8,300</li></ul>

Employment and Limits

By checking this box, you agree to the Truth in Savings Disclosure.

<div class="bg-white pa-2 s-2" style="max-height: 50vh; overflow-y: auto; padding-right: 10px;">Please review the following information about your new account and agree:<table style="width: 100%; border-collapse: collapse; margin: 20px 0;"><thead><tr style="background-color: #f2f2f2; font-weight: bold;"><th style="border: 1px solid #000; padding: 8px; text-align: center;">Tier</th><th style="border: 1px solid #000; padding: 8px; text-align: center;">Daily Balance Range</th><th style="border: 1px solid #000; padding: 8px; text-align: center;">Interest Rate</th><th style="border: 1px solid #000; padding: 8px; text-align: center;">Annual Percentage Yield (APY)</th></tr></thead><tbody><tr style="background-color: #f9f9f9;"><td style="border: 1px solid #000; padding: 8px; text-align: center;">1</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">Equal to or greater than "$1,500.00" but less than "$9,999.99"</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">.40 %</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">.40 %</td></tr><tr><td style="border: 1px solid #000; padding: 8px; text-align: center;">2</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">Equal to or greater than "$10,000.00" but less than "$49,999.99"</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">.75 %</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">.75 %</td></tr><tr style="background-color: #f9f9f9;"><td style="border: 1px solid #000; padding: 8px; text-align: center;">3</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">Equal to or greater than "$50,000.00" but less than "$99,999.99"</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">1.00 %</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">1.00 %</td></tr><tr><td style="border: 1px solid #000; padding: 8px; text-align: center;">4</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">Equal to or greater than "$100,000.00"</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">1.10 %</td><td style="border: 1px solid #000; padding: 8px; text-align: center;">1.11 %</td></tr></tbody></table>Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account every statement cycle. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING. Interest will not compound and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. DORANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER. All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. PAYMENT OF OVERDRAFTS. If your account lacks sufficient funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we will return such overdraft and charge overdraft fee(s) as applicable / allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft you may instruct us by writing to P. O. Box 322822, Oklahoma City, OK 73123 or by calling customer service at (800) 299-7047. NOTICE OF POTENTIAL DISCLOSURE OF NEGATIVE INFORMATION. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day . The daily balance that we use when calculating interest is the collected balance.That means we only include those funds for which we have actually received payment when we determine the daily balance on which interest is paid. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. No transaction limitations apply to this account. HEALTH SAVINGS ACCOUNT. Health Savings Accounts (HSAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information. CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 2/08/2024. To obtain the current rate(s) and annual percentage yield information, please call (800)299-7047. PRODUCT SPECIFIC FEES. First Option is an additional product and may be selected for this account. An additional $10.00 monthly charge will be assessed. Ultimate ID is an additional product and may be selected for this account. An additional $6.00 monthly charge will be assessed.</div>

Truth in Savings Disclosure - DISABLED

By checking this box, you agree to the Reg E/EFT Disclosure

Reg E Agreement- DISABLED

You are about to submit your application. By submitting your application, you agree that you’ve read, understood, and consented to the language and authorization outlined in the following...<ul><li><a href="https://www.ffb.com/deposit-account-agreement" target="_blank">Deposit Account Agreement</a></li><li><a href="https://www.ffb.com/hsa-tisa" target="_blank">Truth in Savings disclosure</a></li><li><a href="https://www.ffb.com/funds-availability-policy" target="_blank">Funds Availability Policy Disclosure</a></li><li><a href="https://www.ffb.com/schedule-of-fees" target="_blank">Schedule of Fees</a>.</li></ul> Futhermore, you certify that the information you have provided is true, correct, and complete, and the Trustee/Custodian may rely on what you have provided.

Almost Done.

We’re about done. Does everything look right?

Please check your inbox for final steps in setting up your account. Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you!

Savings for Health (HSA)

Pay for your medical expenses with tax-free savings!

By providing us with a mobile number, you expressly consent to receive communications from FFB, which may include text messages and calls. Calls and messages may incur fees from your cellular provider. For more information on HSAs, click HERE.