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Standard Overdraft Services

Fidelity Bank offers our personal account customers Standard Overdraft Services that may allow ATM and everyday check card purchases to be approved, at our discretion - even if there isn’t enough money in your account. This service offers you several advantages, including:

  • Convenience - May allow your ATM and everyday check card purchases to be approved when you have insufficient funds.
  • Flexibility - May cover ATM and everyday check card transactions if you are running short on cash, or simply make a mistake in your checking account.
  • Emergencies - May allow you to use your check card in an emergency even if you don't have enough money in your account.


Unless you provide us with your authorization, we cannot provide you with this valuable service. We have three convenient ways for you to sign up. Please select one of the following options:

  1. Click here to make your choice electronically.
  2. Click here to print out the Overdraft Coverage Form, which you can complete and return to one of our conveniently located branch locations or you may mail the form to:
    Fidelity Bank
    c/o Deposit Services
    P.O. Box 105075
    Atlanta, Georgia 30348
  3. Call our Customer Care Center at 404.248.LION (5466) to speak to a representative who is available from 8:00 am - 7:00 pm Monday to Friday, 9:00 am - 5:00 pm on Saturday and 10:00 am - 5:00 pm on Sunday.