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First Fidelity Bank: A part of your community for over 100 years

For generations, First Fidelity Bank has been providing our friends, neighbors and community members with the financial services they need to get the most out of life. From affordable loans to great homes and superior insurance products, First Fidelity is always here for you and our communities. While we offer all the services and conveniences of the big banks, we do it with a big heart. Visit us soon, because we’re sure you’ll feel right at home.



Fidelity D & D Bancorp, Inc. Announces Completion of the Acquisition of Landmark Bancorp, Inc.

DUNMORE, Pa., July 01, 2021 (GLOBE NEWSWIRE) -- Fidelity D & D Bancorp, Inc. (NASDAQ: FDBC) (“Fidelity”), the parent bank holding company of The Fidelity Deposit and Discount Bank (“Fidelity Bank”), a Pennsylvania state-chartered, FDIC-insured community bank and trust company headquartered in Dunmore, PA, announced today the completion of the acquisition of Landmark Bancorp, Inc. (Pink Open Market: LDKB) ("Landmark") and its wholly-owned subsidiary, Landmark Community Bank effective July 1, 2021. Under the terms of the reorganization agreement, Landmark shareholders received 0.272 shares of Fidelity common stock and $3.26 in cash for each share of Landmark common stock that they owned as of the effective date. As a result, Fidelity issued approximately 650,813 shares of its common stock and $7.8 million in cash.

In addition, pursuant to the reorganization agreement, Paul C. Woelkers was appointed as a Class C Director to Fidelity’s Board of Directors and as a director to Fidelity Bank’s Board of Directors.

With the combination of the two organizations, Fidelity, on a consolidated basis, has approximately $2.3 billion in assets, $2.1 billion in deposits, and $1.4 billion in loans.

Daniel J. Santaniello, President and Chief Executive Officer of Fidelity said, “We are thrilled to welcome Landmark Community Bank clients, bankers, and shareholders to the Fidelity family. The completion of this transaction unites two remarkable local community banks and allows us to deepen and strengthen our presence in our core market. The enhanced footprint will allow the combined bank to better serve the needs of our clients in the Luzerne County market and beyond. We are very excited to begin this new chapter in our history.”

Bybel Rutledge LLP served as legal counsel, Commonwealth Advisors, Inc. served as financial advisor and Janney Montgomery Scott LLC provided a fairness opinion to Fidelity D & D Bancorp, Inc. Pillar Aught LLC served as legal counsel and PNC FIG Advisory, part of PNC Capital Markets, LLC served as financial advisor to Landmark Bancorp, Inc.

About Fidelity D & D Bancorp, Inc.

Fidelity D & D Bancorp, Inc. and its wholly owned subsidiary, The Fidelity Deposit and Discount Bank have built a strong history as trusted financial advisors to the clients served by Fidelity Bank, which has built a strong history as a locally owned and operated community bank. Serving the individuals, families, and businesses for over 119 years within the Northeastern and Lehigh Valley of Pennsylvania, there are 20 branch offices along with Fidelity Bank Wealth Management offices in Schuylkill County. A full-service, 24-hour, 7 day a week Customer Care Center serves as a virtual branch, accepting and assisting those clients who prefer to open accounts and transact business via telephone, chat or online. Additionally, Fidelity Bank offers a full-service Wealth Management Division, a Mortgage Center, and an array of personal and business banking products and services.

Fidelity Bank has been recognized nationally for its sound financial performance, and superior customer experience. It has been identified as one of the Top 200 Community Banks in the country by American Banker for seven years in a row, and Forbes ranked it one of the Best In-State Banks in 2018 and 2019. Fidelity Bank has been the #1 mortgage lender in the Lackawanna County market for over 11 years. Fidelity Bank is passionate about success and committed to building strong relationships through superior service. Fidelity Bank’s deposits are insured by the Federal Deposit Insurance Corporation up to the full extent permitted by law.

Caution Regarding Forward-Looking Statements

Certain of the matters discussed in this press release constitute forward-looking statements for purposes of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, and as such may involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of Fidelity to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements. The words “expect,” “anticipate,” “intend,” “plan,” “believe,” “estimate,” and similar expressions are intended to identify such forward-looking statements.

Fidelity’s actual results may differ materially from the results anticipated in these forward-looking statements due to a variety of factors, including, without limitation:

  • the effects of economic conditions particularly with regard to the negative impact of severe, wide-ranging and continuing disruptions caused by the spread of Coronavirus Disease 2019 (COVID-19) and responses thereto on current customers and the operations of Fidelity, specifically the effect of the economy on loan customers’ ability to repay loans;
  • acquisitions and integration of acquired businesses;
  • the costs and effects of litigation and of unexpected or adverse outcomes in such litigation;
  • the impact of new or changes in existing laws and regulations, including the Tax Cuts and Jobs Act and Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and the regulations promulgated there under;
  • impacts of the capital and liquidity requirements of the Basel III standards and other regulatory pronouncements, regulations and rules;
  • governmental monetary and fiscal policies, as well as legislative and regulatory changes;
  • effects of short- and long-term federal budget and tax negotiations and their effect on economic and business conditions;
  • the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Financial Accounting Standards Board and other accounting standard setters;
  • the risks of changes in interest rates on the level and composition of deposits, loan demand, and the values of loan collateral, securities and interest rate protection agreements, as well as interest rate risks;
  • the effects of competition from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, securities brokerage firms, insurance companies, money market and other mutual funds and other financial institutions operating in our market area and elsewhere, including institutions operating locally, regionally, nationally and internationally, together with such competitors offering banking products and services by mail, telephone, computer and the internet;
  • technological changes;
  • the interruption or breach in security of our information systems and other technological risks and attacks resulting in failures or disruptions in customer account management, general ledger processing and loan or deposit updates and potential impacts resulting therefrom including additional costs, reputational damage, regulatory penalties, and financial losses;
  • the failure of assumptions underlying the establishment of reserves for loan losses and estimations of values of collateral and various financial assets and liabilities;
  • volatilities in the securities markets;
  • acts of war or terrorism;
  • disruption of credit and equity markets; and
  • the risk that our analyses of these risks and forces could be incorrect and/or that the strategies developed to address them could be unsuccessful.

Fidelity cautions readers not to place undue reliance on forward-looking statements, which reflect analyses only as of the date of this release. Fidelity has no obligation to update any forward-looking statements to reflect events or circumstances after the date of this release.


Daniel J. Santaniello
President and Chief Executive Officer
Salvatore R. DeFrancesco, Jr.
Treasurer and Chief Financial Officer

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Fidelity Trust Company

Not to be confused with Fidelity National Financial, Fidelity Investments, or Fidelity National Information Services.

An 1866 advertisement for the Fidelity Insurance, Trust, & Safe Deposit Company in the Evening Telegraph, a Philadelphia newspaper.

Fidelity Trust Company was a bank in Philadelphia, Pennsylvania. Founded in 1866 as Fidelity Insurance, Trust, & Safe Deposit Company, the bank was later renamed Fidelity Trust Company, Fidelity-Philadelphia Trust Company, The Fidelity Bank, and Fidelity Bank, National Association. It was absorbed in 1988 in the biggest U.S. bank merger up to that point, and is today part of Wells Fargo.


It was founded in 1866 by financier Clarence H. Clark (1833–1906) and several partners as the Fidelity Insurance, Trust, & Safe Deposit Company with initial capital of $250,000. Besides selling insurance and transacting trust business, the company was the second U.S. bank to offer safe deposit services.[1] The bank was located at Broad and Walnut Streets in Philadelphia.[2]

1891 drawing of the company's building on Chestnut Street

Clark served as the bank's first president, followed by Nathaniel B. Browne, Stephen Caldwell, John B. Gest (1824–1907[3]), Rudolph Ellis (1837-1915, served as FTC president 1900–1915),[4] and William P. Gest (1861-1939, served 1919(?)–1926).[1][5]

Renamed the Fidelity Trust Company in 1886,[6] it had by 1921 achieved "a foremost place among the trust companies of the country." It was reported to hold more than $255 million in trust funds and $829 million in corporate trusts.[1]

In the early years of the 20th century, Fidelity underwrote International Mercantile Marine, the parent company of the White Star Line. The 1912 sinking of RMSTitanic caused large losses at Fidelity and forced layoffs.[7] One of the Titanic survivors, Thomas D.M. Cardeza, was a grandson of Fidelity co-founder Thomas Drake and would go on to be a director of the company from 1922-51.[8]

In 1926, the bank merged with the Philadelphia Trust Company, established in 1869, to become the Fidelity-Philadelphia Trust Company.[9]

In 1928, the bank erected a 29-story headquarters building at 123-151 South Broad Street in Philadelphia. Called the Fidelity-Philadelphia Trust Company Building, it is today listed on the National Register of Historic Places. This building portrayed the headquarters of Duke & Duke in the film Trading Places.

From 1950 to 1966, the bank's president was Howard C. Petersen (1911-1996), who went on to be its CEO until 1975 and chairman until 1978.[10]

In 1956, the bank acquired Farmers National Bank of Bucks County and Roosevelt Bank[11]

In 1968, the bank was renamed The Fidelity Bank. In 1970, the bank's headquarters moved to 1200 East Lancaster Avenue in Rosemont, Pennsylvania.[2]

From 1971 to 1978, the bank's president was Samuel H. Ballam Jr. (1919-2003), a 42-year employee of the bank.[12]

In 1984, the bank was renamed Fidelity Bank, National Association and its headquarters moved to 2 County View Road in Rosemont. In 1985, the headquarters moved to 14 Great Valley Parkway in Malvern, Pennsylvania, and in 1990, back to the original location at Broad and Walnut Streets in Philadelphia.[2]

In the 1970s, the company established a holding company named Fidelcor to operate Fidelity Bank as its main subsidiary.


In 1988, Fidelcor was merged into First Fidelity, a growing New Jersey bank. The $1.34 billion deal, the largest bank merger up to that time, turned First Fidelity into a regional powerhouse and one of the nation's 25 largest banks.[13]

In 1996, First Fidelity was absorbed into First Union, which in 2001 merged with Wachovia, which was acquired by Wells Fargo in 2008.[14]

See also[edit]


  1. ^ abc"Inception of Guarantee - The Largest Trust Company". Trust Companies. 33 (1): 314. July 1921.
  2. ^ abc"Institution History for RIVERDALE BRANCH (355214)". National Information Center. Federal Reserve. Retrieved October 15, 2013.
  3. ^John B. Gest's NYT obit
  4. ^Rudolph Ellis' NYT obit
  5. ^William P. Gest, Historical Society of Pennsylvania
  6. ^Taylor, Virginia H. (2011). The Franco-Texan Land Company. University of Texas Press. p. 134. ISBN .
  7. ^"Stewardship First"(PDF). Philadelphia Foundation. Archived from the original(PDF) on October 4, 2013. Retrieved October 15, 2013.
  9. ^Google Books: World Banking volume 56 (1966)
  10. ^Howard Petersen's NYT obit
  11. ^Annual Report of the Comptroller of the Currency To Congress. Comptroller of the Currency. 1956. Retrieved October 15, 2013.
  12. ^Samuel H. Ballam Jr.'s Inquirer obit
  13. ^Fix, Janet L. (August 1, 1987). "N.j. Bank To Acquire Fidelcor $1.34 Billion Deal Is Biggest Merger". Philadelphia. Philadelphia Inquirer. Retrieved October 15, 2013.
  14. ^"Philadelphia Foundation"(PDF). Archived from the original(PDF) on 2013-10-04. Retrieved 2013-10-15.

The Fidelity Bank Review

SmartAsset's Overall Rating






Service Quality


Financial Health


Key Highlights

  • Mobile App
  • Multiple Banking Products


Established in 1909, The Fidelity Bank has assets totaling $2 billion and $2 billion in deposits, classifying the institution as a large bank. The Fidelity Bank, whose headquarters are in Fuquay Varina, North Carolina, lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. SmartAsset experts rated the bank 3.7 out of 5 stars, which means The Fidelity Bank is an acceptable bank choice, but may leave you wanting more. The Fidelity Bank offers the full slate of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. The Fidelity Bank has a fair savings rate compared to the average savings account. The bank's standard checking product maintains a $4.00 monthly fee, making it a rather costly bank for checking. Locating a checking account with no monthly fee, in addition to a savings account with a high interest rate at the same institution is the best option for accruing the most income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

The is a weighted average of rates, fees, service quality and financial health.Read more

When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.

The Rates rating represents an aggregate of interest rates for specific bank products measured against the national average interest rate for each product. Product interest rates may vary by branch. Rates shown reflect the highest available nationwide.
The Fees rating is an assessment of the bank's fees measured against the national average fee amount for particular services and is also affected by whether or not the bank refunds ATM fees.
Service Quality
The Customer Experience rating is a weighted average of the Mobile Rating and the Consumer Satisfaction Score, which is based on complaints brought to the Consumer Financial Protection Bureau (CFPB).
Financial Health
The Financial Health rating is based on the Texas Ratio, an indicator that warns of credit problems at particular banks: anything less than 5% is considered Excellent; less than 20% is Very Good; less than 50% is Good; less than 90% is Fair; and over 90% is Poor.


With a savings rate of 0.02%, The Fidelity Bank ranks poorly compared to other U.S. banks. Its one-year CD earns at a rate of 0.25% and the five-year CD earns at a rate of 0.75%, while its highest-yielding money market account has an APY of 0.10%. Given The Fidelity Bank's poor savings rate, you should think about other options to earn more on your deposits.

How The Fidelity Bank's Savings Rates Compare

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The Fidelity Bank charges its customers above-average fees in comparison to other U.S. banks. At $4.00 per month, The Fidelity Bank is not great for people who want a basic banking experience. For those who frequent the ATM, it is less than great because it charges an out-of-network ATM fee of $3.00, which is less than ideal in comparison to the average U.S. bank. Additionally, it has an overdraft fee of $35.00, which is on par with the average overdraft fee charged by U.S. banks. The Fidelity Bank unfortunately does not refund out-of-network ATM charges, meaning you will need to locate a The Fidelity Bank ATM or accept the fee.

Monthly Fee$4.00National Average: $3.21

Non-network ATM Fee$3.00National Average: $1.20

Overdraft Fee$35.00National Average: $35.00

Back to Overview

Service Quality

The Fidelity Bank is a brick-and-mortar bank, with 58 total bank locations in North Carolina and Virginia. With mobile and web apps, The Fidelity Bank makes mobile banking straightforward, even on the go. The Fidelity Bank's online and mobile banking platforms get poor feedback from customers. With 130 customer reviews across Apple and Android platforms, the The Fidelity Bank mobile app rates a 3.2 out of 5 (compared to the national average of 3.8). The Fidelity Bank's mobile app lets you control your bank accounts by monitoring account balances, transferring funds and accessing support representatives. The Fidelity Bank receives an outstanding consumer satisfaction score due to relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating3.2/5

Consumer Satisfaction Rating5.0/5

Online Banking PortalNo

Live ChatNo

Back to Overview

Financial Health

The Fidelity Bank is a large bank owning assets totaling $2 billion as well as $2 billion in deposits. The Fidelity Bank's Texas Ratio is 1.60%, signifying that the bank is in superb financial health and unlikely to fail. Additionally, The Fidelity Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis


High Risk75%50%20%10%Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare The Fidelity Bank to Other Competitive Offers

Products Offered

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account 0.02% APY $1
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 0.25% APY
  • 24 Month: 0.50% APY
  • 36 Month: 0.50% APY
  • 48 Month: 0.50% APY
  • 60 Month: 0.75% APY
$10000 for all terms
Money Market Accounts 0.05% APY 0.1% APY $10000 $15000

The Fidelity Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. The Fidelity Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. The Fidelity Bank's CD rates are fair compared to other U.S. banks.

Back to Overview

Find a The Fidelity Bank Near Me

The Fidelity Bank has 58 branches across the U.S.

Back to Overview

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Bank the fidelity

Fidelity Bank NC/VA Mobile

Fidelity Bank Mobile Banking provides convenient, 24/7 access to your Fidelity Bank account information from your Android device. It’s fast, secure and FREE. With Mobile Banking you can easily:
• Check account balances
• Monitor account activity
• Transfer funds between linked accounts
• View and pay bills
• Search for branch locations
• Make deposits using your phone

To use the Fidelity Bank Mobile Banking App, you must be enrolled in Fidelity Bank Online Banking. To enroll in Mobile Banking follow the steps below:
1. Log in to your Fidelity Bank Online Banking account
2. Select Customer Service and then Mobile Banking on the main navigation menu
3. Under Your Name select Enroll
4. Terms and Conditions will appear, read the Terms and Conditions and if you agree, select to the left of the screen “I accept these Terms & Conditions”, then select Continue
5. Menu of Mobile Services will appear, select the Applications desired, then select Continue (mid of page)
6. Accounts will appear, select Account(s)that you want to appear on your cell phone and create a Nick Name for Account(s), then select Continue
7. Enter cell phone number in box, select Continue
8. Enter Activation Code sent to cell phone, select Activate
9. On the cell phone click link in text message and log-on to mobile banking site

Fidelity Bank Mobile Banking protects your financial information from unauthorized access by using a variety of security features, including:
• Secure logon with Customer ID and password
• Security questions and authentication image to verify your identity
• Advanced encryption technology
• Partial or masked account numbers
• Automatic session timeout

Have questions or need help? Contact Fidelity Bank by phone at 1-855-547-1385.

Fidelity Bank does not charge fees to download or use Fidelity Bank Mobile Banking. Message and data rates may apply. Check with your carrier for more information.

© 2013, Fidelity Bank. Member FDIC. Equal Housing Lender

Fidelity Weekly Season 3 - Episode 3 (I've Got Bars)

What if the old man is weak. Or, what is even more offensive, a beautiful print. He: The weak cannot, but the Pryntsi have enough people without you. Okay, I fucked him until nine in the morning.

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I invited her to play with a bottle, to whom she will show, he takes off one piece of clothing. I was the first. Well, then more and more the bottle showed sleight of hand on the girl. So soon Victoria was in stockings and I, gently laying her on the bed, began to kiss the girl from head to toe. Then he deftly parted her long legs and pressed his lips to her bud.

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