Electronic Funds Transfers (EFTs)

Transfer money between your bank and Fidelity securely via Automated Clearing House (ACH)—for free.*

EFT guidelines

Transaction limits

The minimum amount for each EFT is $10, and the maximum amount per day is $100,000 for withdrawals and $250,000 for deposits.

If you need to deposit more than $250,000 per day, or withdraw more than $100,000 per day, you can call Customer Service at 800 544-6666 to hear your options.


Fidelity doesn’t charge a fee for sending or receiving EFTs, but the receiving bank may charge a fee.


EFTs in and out of Fidelity accounts are generally received within 1-3 business days, though the funds may be immediately available for trading. Electronic funds transfers (EFTs) are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays. EFT requests entered after 4 p.m. ET will not process until the next business day.

If you would like to schedule recurring, automatic transfers from your bank account to your Fidelity account, you can set up automatic investments.

To move money more quickly, consider performing a Bank Wire. (Fees may apply.)

Next step

Additional resources