FDIC-insured bank operating since 1920 offering personal and business banking, HELOCs, investment services, and mobile banking through the GoBankFFB app.
Editorially reviewed by Harvey Brooks
First Fidelity Bank has operated as a full-service bank since 1920 and maintains FDIC insurance backing, providing customers with deposit protection up to federal limits. The institution operates multiple branch locations across Oklahoma, Arizona, and Colorado, with ongoing expansion and renovation efforts to increase accessibility. Their website emphasizes both traditional banking services and digital-first features designed for modern consumers.
The bank offers a comprehensive suite of personal banking products including checking and savings accounts, HELOCs (home equity lines of credit), personal loans, debit and credit cards with rewards programs, and investment services through their Unifimoney platform. For business customers, First Fidelity provides small business and commercial banking services, including business loans and dedicated commercial lending products. Their mobile app (GoBankFFB) enables deposit checks, money transfers, bill payments, transaction viewing, and alert setup directly from smartphones.
First Fidelity distinguishes itself through several feature-forward offerings: Money 360 (free budgeting and spending visualization tool), Early Payday (up to 2 business days early direct deposit access at no cost), FFB Direct Connect (mobile-based direct deposit management), and FFB Wallet (card control and spending insights). The bank also maintains community engagement through partnerships with local news stations (KFOR-TV's Pay It 4Ward and KWTV's Something Good programs). Their emphasis on eliminating fees (no Early Payday fees, no gimmicks) and providing free financial tools positions them competitively in the retail banking market.
As a regional bank with branches in three states, First Fidelity's reach is limited compared to national institutions. While they offer modern digital banking features and investment services, customers should verify service availability in their specific location and compare rates and terms with competitors. The bank's commitment to FDIC insurance and established 100+ year history provide stability, though prospective customers should review their specific loan terms, investment fees, and account minimums independently.
Yes. First Fidelity Bank is a registered company headquartered in Oklahoma City, OK, founded in 1981. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
First Fidelity Bank is best for regional customers in Oklahoma, Arizona, or Colorado seeking traditional banking with modern digital features, particularly those interested in free budgeting tools and early direct deposit access. The primary limitation is geographic—the bank operates only in three states, making it unavailable to most U.S. consumers, and website transparency on rates, fees, and terms is minimal.
Bank7 is a full-service bank based in Oklahoma City offering personal and business checking, savings, loans, and digital banking services with FDIC insurance protection.
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Independent community bank in Oklahoma City founded in 1907, offering checking, loans, and cannabis-related business accounts with local decision-making.
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Full-service community bank in Oklahoma City offering personal and business accounts with digital banking tools, home equity lines of credit, and commercial lending services.
Best for: Oklahoma City-area residents seeking personalized community banking with local decision-making, Homeowners interested in accessing home equity through flexible lines of credit
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