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FDIC Electronic Deposit Insurance Estimator and Tutorial
1-877-ASK-FDIC

Copyright 2008 First Fidelity Bank

First Class Banking on a First Name Basis

DEPOSITS
Checking - NOW Checking - Savings (including Money Markets) - Individual Retirement Accounts - First Fidelity Bank Debit Card - Certificates of Deposit

Checking
It's simple and it's free. Our regular checking accounts have no maintenance or activity fees. No minimum balance requirement. Unlimited check writing. No complicated formulas. No fancy names. No monthly service charge. Just free checking-no strings attached. This applies to business as well as personal accounts. Ready Reserve (overdraft protection) available to those who qualify. Direct Deposit Available.

NOW Checking
A checking account that also pays you interest. To avoid a monthly service you must maintain a balance of at least $1,000. Ready Reserve (overdraft protection) available to those who qualify. Direct Deposit Available.

Savings (including Money Markets)
Earn interest while you watch your nest egg grow. Our savings accounts provide competitive yields along with the security of FDIC protection. Regular savings offers the most flexibility. For customers with larger balances, our money market account earns higher yields. Some restrictions may apply. Direct Deposit Available. Stop by any office or call for more information.

Individual Retirement Accounts
Bank-offered IRAs are one of the safest ways to invest for retirement, as they are FDIC insured and offer steady returns. Depending on your needs, First Fidelity Bank offers traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts (formerly known as education IRAs) to its customers. All First Fidelity Bank IRAs are No Fee IRAs. If you transfer your IRA to a new custodian, a $20.00 transfer fee will apply.

Many people are able to deduct the full amount of any contribution made to a traditional IRA. Plus, even if a contribution to a traditional IRA is not tax-deductible, it earns tax-deferred interest. Contributions to a Roth IRA or a Coverdell Education Savings Account are not deductible, but all of your earnings are tax-free when withdrawals are made in accordance with legal guidelines. Consult your tax adviser regarding deductibility of contributions and tax deferral of interest.

The maximum amount you can contribute to a traditional or Roth IRA each year is the lesser of (1) the annual IRA maximum, or (2) the amount of your taxable compensation. Depending on your income and age, you can contribute up to $5,500 to your IRA in tax year 2013, plus an additional $1,000 if you are age 50 or older. Working spouses may each invest up to the individual maximum amount. Contributions to a Roth IRA may be further limited if your modified adjusted gross income exceeds certain levels. See IRS Publication 590, Individual Retirement Arrangements and consult your tax adviser for more information.

Generally, you may contribute up to $2,000 to a Coverdell Education Savings Account each year per beneficiary. The designated beneficiary must be 18 years of age or younger (or be a special needs beneficiary). The maximum amount you may contribute is reduced if your income exceeds certain levels. See IRS Publication 970, Tax Benefits for Education and consult your tax adviser for more information.

You can have a traditional IRA as well as a Roth IRA and make contributions to both in the same year, but the total combined contribution for the year may not exceed the maximum contribution described above. You must decide whether it is better to make a contribution to a traditional IRA, which might give you an immediate tax deduction, or contribute to a Roth IRA where you forgo the deduction but have the possibility of long-term growth that may later go untaxed. The amount of contributions you may make to a Coverdell Education Savings Account does not affect the amount you may contribute to other IRAs.

IRA investments may be withdrawn at any time, but the distributions may be subject to a 10% tax penalty in certain situations. Generally, you do not have to pay the 10% tax penalty on distributions from a traditional IRA if the withdrawal is made (1) after you reach age 59 ½, (2) on account of your total disability or death, (3) for a first-time home purchase, (4) to pay certain medical expenses or (5) to pay higher education expenses. Withdrawals from a Roth IRA are subject to the 10% tax penalty unless the Roth IRA has been opened for at least five years and the distribution is made (1) after you reach age 59 ½, (2) on account of your death or disability, or (3) for a first-time home purchase. If the money is withdrawn from the IRA for a first-time home purchase, an IRA holder may not withdraw more than $10,000 in a lifetime. The designated beneficiary of a Coverdell Education Savings Account can take a distribution at any time. Generally, distributions are tax-free if they are not more than the beneficiary’s adjusted qualified education expenses for the year. If the distribution exceeds the amount of the beneficiary’s adjusted qualified education expenses for the year, a portion of it will be taxable. Although some exceptions apply, generally if you receive a taxable distribution from a Coverdell Education Savings Account, you also must pay a 10% additional tax penalty on the amount included in income. See IRS Publication 970, Tax Benefits for Education and consult your tax adviser for more information.

First Fidelity Bank Debit Card
First Fidelity Bank Debit Card is not a credit card…it's a card that works like a check.

So now, instead of taking the time to write out a check, produce two forms of identification and wait for some "supervisor" to approve the whole transaction, all you have to do is hand the clerk your First Fidelity Bank Debit Card. As long as they are a Mastercard® merchant, your purchase will be processed quickly and automatically posted to your checking account. No hassles. No interest charges. No finance charges.

And because your monthly statement will not only include every transaction, but the name of the merchant as well, your record-keeping will be even better.

You can also use your First Fidelity Bank Debit Card at any Automated Teller Machine displaying the Mastercard® logo to make cash withdrawals from checking, transfer funds between savings and checking, or make balance inquiries on either account.

Use your First Fidelity Bank Debit Card:

· When you make a purchase anywhere that accepts Mastercard.
It is fast, easy and convenient ... and there are no interest or finance charges, no matter how often you use it.

· When you are away from home.
You can take less cash when you travel because it is accepted worldwide. No hassles, no delays and no "two-forms-of-identification-I'll-have-to-get-my-supervisor" approval process.

· When you order through the mail.
It helps you avoid the interest charges of a credit card and the nuisance of having a check get lost in the mail.

· When you are at an Automated Teller Machine.
Check your balances in checking or savings, transfer funds between the two, or make a cash withdrawal from your checking.

For more information on how you can get your First Fidelity Bank Debit Card, stop by or give us a call.

Certificates of Deposit
First Fidelity Bank offers competitive rates in a wide range of terms to best accommodate your needs. Your funds invested in certificates of deposit are FDIC insured to the maximum amount allowed by law.

You can pick the term that's right for you. Our CD terms range from one to sixty months. For as little as $500 you can invest in a Fidelity Bank CD. Call any branch location to speak with one of our customer service representatives.