From everyday spending to large purchases, you’ll be covered with this checking account that includes:

• 4.0% cash back on purchases made with your VISA® debit card*
• 1.50% APY on your account balance of $2,500 or more**
• Elevated $10,000 maximum debit card transaction amount
• Elevated $1,000 maximum daily ATM withdrawal amount
• Access to 90,000+ surcharge-free ATMs
• Online banking and mobile banking
• Mobile check deposit without limits
• Online bill pay (free with monthly usage)
• Zelle^® pay

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*Earn up to $20.00 in cash back per statement cycle by being enrolled in e-statement delivery, having at least one direct deposit per statement cycle, and conducting 10 or more debit card transactions per statement cycle.

**APY = Annual Percentage Yield. Rates are subject to change. Rates are accurate as of the date of this publication. Fees may reduce earnings.

Private Platinum Savings

Balance your savings with this safe account that puts your money to work with:

• Preferred, tiered annual percentage yields
• FDIC insurance

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This account is the perfect way to earning a competitive return on your money while maintaining access to funds when you need them. You’ll enjoy:

• Preferred annual percentage yield
• Tiered rates—the more you save, the more you earn
• FDIC insurance

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See agreement for details.

Enjoy peace of mind, flexibility and returns when you access CDARS^® and ICS^®, the IntraFi Cash ServiceSM, through Oklahoma Fidelity Bank. We stand ready to help you access multi-million-dollar FDIC insurance at IntraFi network banks while working directly with just us. That saves you the hassle of managing multiple bank relationships while still enjoying the protection of having your large deposit eligible for FDIC insurance.

Let us show you how you can:

• Make even large deposits placed at IntraFi network banks eligible for protection backed by the full faith and credit of the federal government.
• Put excess cash balances to work by placing funds into certificates of deposit, money market deposit accounts, or both.
• Work directly with just our bank and forego opening accounts under different insurable capacities or managing multiple bank relationships. Receive just one monthly statement from us summarizing your account activity and balances.

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Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi, ICS, CDARS and Bank Safe, Bank Smart are registered service marks, and IntraFi Cash Services is a service mark of IntraFi Network LLC. A penalty may be imposed for early withdrawal.

Opportunity doesn’t run on a schedule—it strikes. A great investment. Getting on your contractor’s schedule for a big remodel. Handling that unexpected expense. You’ll be ready for it all with a Private Banking Home Equity Line of Credit.

• An exclusive preferred rate
• A line of credit for up to 100% of your home’s value*
• Special pricing for customers with $50,000 or more on deposit**
• The flexibility to pay back used credit and access it again without reapplying

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*Subject to credit approval.

**Special pricing for customers with $50,000 or more in existing personal funds on deposit with Fidelity Bank | Oklahoma Fidelity Bank.

Private Banking customers have the option to pair their Oklahoma Fidelity Bank checking account with an unsecured Relationship Line of Credit without the need for collateral. Your RLOC is a great alternative to high-limit credit cards, offering substantial purchasing power with favorable terms.

• A convenient line of credit for a three-year term.*
• Faster approvals through a hassle-free application process with no asset valuation, expedited closing and instant access to funds.
• An ideal option for diversifying your credit without encumbering property or assets.
• The flexibility to pay back used credit and access it again without reapplying.

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*Subject to credit approval. A Oklahoma Fidelity Bank checking account is required to obtain the line of credit.

With a flexible Marketable Securities Line of Credit you can access funds without sacrificing a return on your investments by using your stocks, bonds and mutual funds as collateral.

• A credit line of up to 75% of your collateral
• Interest-only payments
• No disruption to your investment strategy

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Get exceptional rewards on travel and frequent purchases with an exclusive metal VISA® Reserve Rewards + credit card.*

• Earn points on purchases
• Access to select airport lounges
• Statement credits for eligible purchases

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*Subject to credit approval. See terms and conditions. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate license from Visa U.S.A. Inc.