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Fourth-generation family-owned national bank offering personal checking, savings, credit cards, mortgages, and commercial lending with a focus on community service.
Data compiled from public sources
Fidelity Bank, National Association is a fourth-generation family-owned bank headquartered in Oklahoma that operates as a national bank (NMLS #419266) and is FDIC-insured. The bank emphasizes its commitment to acting "with courage and integrity" alongside customers and communities, positioning itself as a traditional community-focused financial institution rather than a fintech disruptor. Fidelity Bank offers a comprehensive suite of banking products including personal checking and savings accounts, VISA debit and credit cards, home equity lines of credit, mortgage loans, automobile loans, and commercial lending services with cash management solutions.
They provide online and mobile banking platforms to enable account management without branch visits, along with fraud monitoring and transaction alerts. 5% cash back and can be paired with their Step-Up Savings product for enhanced earnings. The bank differentiates itself through its family-owned heritage (spanning four generations), emphasis on personal customer relationships, and explicit commitment to fair and accessible banking.
They highlight their physical branch presence across communities and position mortgage lending as a guided process ("with you every step until you are home"). Their business lending services emphasize local commercial relationships rather than automated underwriting. As a regional bank with physical locations, Fidelity Bank serves customers seeking traditional banking relationships and community connection, though their service area appears geographically limited.
The website provides limited detail on specific product terms, rates, or fee structures, and lacks transparency on APY rates for savings products or APR ranges for credit products, which is typical for traditional banks but limits online comparison shopping.
This is state-level context for Banks consumers in Wichita, KS. It does not confirm that Fidelity Bank, National Association or this specific location is licensed.
State regulator
Kansas Office of the State Bank Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Fidelity Bank, National Association processed 4,636 mortgage applications in 2023, with 80.5% recorded as approved across 38 states.
4,636
Applications
80.5%
Approval Rate
$244K
Avg Loan
38
States Served
Based on 4,636 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Fidelity Bank, National Association offers 12 services including Personal checking accounts with Relationship Rewards Checking (3.5% cash back), Savings accounts including Step-Up Savings product, Personal VISA debit cards, Personal VISA credit cards, Home equity lines of credit, and 7 more.
Fidelity Bank, National Association has profile signals associated with Customers in Fidelity Bank's service area seeking comprehensive banking from a community-focused institution, Small business owners needing commercial lending and cash management services, Borrowers prioritizing mortgage guidance and in-person loan officer relationships, Customers valuing family-owned bank operations and local decision-making.
Key strengths: FDIC-insured deposits with Member FDIC status; Relationship Rewards Checking earns 3.5% cash back on qualifying transactions; Mobile banking platform enables account management without branch visits. Areas to consider: Website lacks specific information on savings account APY rates or checking account terms; No disclosed APR ranges for credit cards or auto loans for rate comparison.
In the Banks category, comparable providers include American Bank of Baxter Springs, Andover State Bank, Astra Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Fidelity Bank is profile signals for customers in its service area seeking traditional full-service banking with personal relationships, community focus, and multiple product offerings under one institution. The main caveat is that online transparency regarding rates, fees, and terms is limited compared to digital-first banks, and the service area appears geographically restricted to Oklahoma-based communities.
FDIC-insured community bank in Baxter Springs, KS offering personal and business checking, savings, loans, and online banking services.
Profile signals: Small business owners and farmers in Kansas who need agricultural lending experience context and local relationship banking, Baxter Springs area residents and employees seeking convenient local banking with multiple branch access
Andover State Bank is a community bank offering personal and business checking, savings, loans, credit cards, and mortgages with emphasis on local relationship banking.
Profile signals: Local Andover-area residents seeking community banking with personal relationships and local decision-making, Small to medium-sized businesses needing flexible lending and business banking from a locally-invested institution
FDIC-insured community bank headquartered in Kansas with 7 branches across the state, offering personal and business banking services including checking, savings, loans, and mortgages.
Profile signals: Kansas residents seeking community banking with physical branch access, Small business owners and agricultural customers in Kansas wanting relationship-based banking
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