First-time User/Enrollment Form

To enroll in eBanking, Fidelity's online banking service, simply check the "I Accept" button at the end of the Online Access Agreement.

Online Access Agreement

You agree that any information or disclosures or notices supplemental to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including by e-Mail to you or by posting on Fidelity Bank’s website at

Click here to view our Privacy Statement.

This online Access Agreement for accessing your accounts via Fidelity eBanking explains the terms and conditions governing online services. The accounts that may be accessed via Fidelity eBanking include only accounts maintained by you with Fidelity Bank. By using Fidelity eBanking you agree to abide by the terms and conditions of this Online Access Agreement. Fidelity eBanking will be governed by and interpreted in accordance with all applicable federal and State of Texas laws and regulations. The following rules will apply to the extent there is no applicable law or regulation. The account or service you are accessing via Fidelity Bank will be governed by and interpreted in accordance with the laws of Texas. The terms “we”, “us”, “our”, and “Bank” refers to Fidelity Bank. “You” refers to each signer on an account. The term “business day” shall mean every day except Saturdays, Sundays and federal holidays.

Accessing Your Bank Accounts through Fidelity eBanking

To access your account through Fidelity eBanking you must complete an enrollment form online and have an eligible Bank Account (Checking Account, Money Market Checking, Savings Account, and/or loan). Once Fidelity Bank has processed your enrollment and verification you will be ready to begin banking online.

The activation Access ID and Password are case-sensitive.  Your Password must be 8-12 characters in length and at least one character must be numeric and one alpha.  Do not give your password to anyone or write it down where it could be accessible to another person. We strongly urge you to avoid using common and easy to decipher passwords such as birth dates, last names, account numbers or social security numbers and storing your password and access ID in the memory of your computer.

When you give someone your access ID and password, you are authorizing that person to use the service and you are responsible for all transactions the person performs using the service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then transactions that person performs after the time you notified us are considered unauthorized. You agree to assume responsibility for all transactions through the service with your Fidelity Bank access ID and password, up to the limits allowed by applicable law.

Transactions that you or someone acting for you initiates with fraudulent intent are also authorized transactions.

Bill Pay Service

Bill Payment services are an optional service and will be offered when you log into Online Banking. Through Fidelity eBanking you can arrange for the payment of your current, future, and recurring bills up to the balance in your account. There is no limit to the number of payments that may be authorized. You may pay a merchant or individual approved by Fidelity Bank for payment through Fidelity eBanking bill pay. We are unable to process any payments to federal, state, or local tax agencies.

By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instructions to these payees/merchants that you provide us. You may pay an unlimited number of payees using online bill pay. When we receive a payment instruction, we will remit the funds to the payee on your behalf from the funds in your selected account on the day you have instructed them to be sent (“Payment Date”).  However, we shall not be obligated to make any such payment unless your account and/or overdraft protection plan has sufficient funds or credit available to pay the bill on the Payment Date. Funds from all bill payments (whether these payments are made electronically or by check) will be withdrawn from your account on the payment date specified.

You have the right to stop or change any scheduled payment. You must cancel the payment by no later than 2:00 p.m. (Central Time), on the Payment Date by calling Fidelity Bank Bill Pay Support at (866) 321-7215 or Customer Service at (940) 763-2100. If your stop payment order is given to the Bank orally, you may be required to confirm it within 14 days of your oral notification. If so, this written confirmation should be sent to Fidelity Bank, Customer Service, 2525 Kell Blvd, Suite 100, Wichita Falls, TX 76308. Your oral notification will cease to be binding if you fail to confirm it in writing within 14 days.

Any payments made with Fidelity eBanking bill pay require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance charge, you should schedule a payment at least 7 full business days prior to the date the payment is due at your payee.

If you have timely scheduled a bill payment as required above and Fidelity Bank does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the merchant prior to this incident. We will also be liable to you, to the extent provided by law, if we fail to stop a payment pursuant to your timely order to do so as set out above. We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a payee incorrectly crediting an account. In addition, we will not be liable if any third party through which any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for any amounts other than as stated above and, specifically, will not be liable for any other direct, indirect, special, or consequential damages arising out of the use of Fidelity eBanking Bill Pay.

Fidelity Bank reserves the right to terminate your use of Fidelity eBanking Bill Pay at any time.

If, for any reason, you should wish to cancel Fidelity eBanking, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service by calling Fidelity Bank Bill Pay Support at (866) 321-7215 or Customer Service at (940) 763-2100. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.


Joint Membership

If a Fidelity Bank Account is owned by more than one person or is accessible by one or more authorized representatives, each such owner or authorized representative may individually enroll in Fidelity eBanking (each such person is referred to as an “enrolled person”). Each enrolled person needs a unique access ID and Password. The terms of this Agreement will apply to each enrolled person. Any enrolled person may terminate the Fidelity eBanking Service, which will terminate the Fidelity eBanking Service of all enrolled persons.


There are no monthly fees for accessing your account(s) through Fidelity eBanking. There is no monthly fee for using eBanking's Bill Payment service.  There is no limit to the number of bill payments you may authorize as long as there are sufficient funds in your designated bill payment account.   Stop Payments are $22.50 each.  Other fees are described in your Terms and Conditions Disclosure Agreement for your account.  Bill Payment is an optional service.

Please note that fees may be assessed and billed separately by your online service provider.


You agree to pay promptly all fees and charges for services provided under this agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees.

If you close the payment account, you must notify us and identify a new payment account for the selected services. Additionally, if you close all your accounts, you must notify Customer Service to cancel your Fidelity eBanking services.

Your Fidelity eBanking services may be canceled by us at any time without prior notice to you due to insufficient funds in any of your accounts. After cancellation, Fidelity eBanking services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Customer Service at: (940) 763-2100.

If you do not schedule or process a payment in your Fidelity Bank Bill Pay via Fidelity eBanking for any consecutive three (3) month period, Fidelity Bank reserves the right to disconnect the service.

Hours of Accessibility

You can access your accounts through Fidelity eBanking seven days a week, 24 hours a day. However, at certain times, some or all of the services may not be available due to system maintenance. During these times, you may use Fidelity Bank Touchtone Banking, a Fidelity Bank ATM or the bank to conduct your transactions.

A transfer initiated through Fidelity eBanking by 5:00 p.m. (Central Time) on a business day is posted to your account the same day. All transfers completed after 5:00 p.m. (Central Time) on a business day or on a Saturday, Sunday, or banking holiday will be posted on the next business day.

Every day is a business day except Saturdays, Sundays, and federal holidays.

Electronic Mail (e-Mail)

Sending e-Mail through Fidelity eBanking is a way to communicate with our Customer Service department. You cannot use e-Mail to initiate transactions on your account(s). For banking transactions please use the appropriate functions with Fidelity Bank eBanking or call (940) 763-2100.  Please not that information such as Social Security numbers, account numbers, Access IDs, OINs, etc. should not be used when communicating through e-Mail.

Terms and Conditions

The first time you access any of your accounts through Fidelity eBanking confirms your agreement to be bound by all the terms and conditions of this Online Access Agreement and acknowledges your receipt and understanding of this disclosure.

Fidelity Bank is entitled to act on instructions received through Fidelity eBanking under your password and without inquiring into the identity of the person using that password. However, do not, under any circumstances, disclose your password by telephone or to any one claiming to represent Fidelity Bank; Fidelity Bank employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. Fidelity Bank has no responsibility for establishing the identity of any person using your password. If despite Fidelity Bank’s advice, you give your password to another person, you do so at your own risk since anyone to whom you give your Fidelity eBanking password or other means of access will have full access to your accounts even if you attempt to limit that person’s authority. You must notify Fidelity Bank that your password has been lost or stolen or otherwise compromised and should not be honored and must be disabled.

You are liable for all transactions that you (or if you are using a joint Bill Payment Account, any of you) make or authorize, even if the person you authorize exceeds your authority. You hereby release Fidelity Bank from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account such person is one of the owners of the account. You agree to indemnify Fidelity Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

Fidelity Bank has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Fidelity eBanking transfers or bill payments will be made, including but not limited to any payments or transfers scheduled in advance or any pre-authorized recurring payments or transfers. If we modify this Agreement your continued use of Fidelity eBanking will constitute your acceptance of such changes in each instance.

Persons listed on a profile will only be able to access accounts for which they are designated as an owner or signer. The number of transfers from a savings account, a High Yield Savings and a Money Market checking account are limited as described in the applicable Terms and Conditions Disclosure Agreement. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

In case of questions or errors about online funds transfers or bill payments made through Fidelity eBanking involving a Bank account, you should do one of the following:

  • Call Customer Service at (940) 763-2100
  • Write to Fidelity Bank, Customer Service – 2525 Kell Blvd, Suite 100, Wichita Falls, TX 76308, as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need more information about a transaction listed on the statement or transaction record. 
  • We must hear from you no later than sixty (60) days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.
  • When you tell us about the problem, please:
  • Provide your name and account number.
  • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is in error or why you need additional information.
  • Tell us the dollar amount of the suspected error.
  • For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.

We will determine whether an error occurred within ten (10) business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within 10 business days of your request, we may not credit your account while we complete our investigation. We will tell you the results of our investigation within three business days after we complete our investigation. If we decide that there was no error, we will send you a written explanation.

If we do not complete a transfer to or from your Bank account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided elsewhere in this Agreement. However, there are some exceptions. We will not be liable:

  • If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment.
  • If a legal order directs us to prohibit withdrawals from the account.
  • If your account has been frozen.
  • If your account is closed.
  • If the transfer or bill payment would cause your balance to go over the credit limit for any convenience credit arrangement set up to cover overdrafts.
  • If you, or anyone you allow, commits any fraud or violates any law or regulation.
  • If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly and you knew about the breakdown when you started the transfer.
  • If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.
  • If you have not properly followed the instructions for using Fidelity eBanking service.
  • If circumstances beyond our control (such as flood, fire or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable         precautions taken by us.

Fidelity Bank cannot be responsible for customer errors or negligent use of the Fidelity eBanking service and will not cover losses due to:

  • Input errors or misuse of the online service.
  • Negligent handling or sharing of passwords leading to an unauthorized access to your accounts.
  • Leaving your computer unattended during an Online Banking session –you must “Sign Off/Log Off” to end your session.
  • Failure to report known incidents of unauthorized account access within 2 business days.

Now simply CHECK the “I ACCEPT” button to continue this enrollment process, and get ready to bank online with Fidelity eBanking!


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