Cash Management FAQs: ATM/Debit Card
Fidelity® Visa® Gold Check Card
What is a Fidelity® Visa® Gold Check Card?
The Fidelity® Visa® Gold Check Card is an ATM/debit card that charges no annual fee. Use the card for any purchases where Visa is accepted and withdraw cash at ATMs worldwide wherever you see the Visa, Plus®, or Star® logos. The amount of the purchase will be withdrawn from your Available to Withdraw balance, and the debit will be posted to your Fidelity account within five business days.
Is the Fidelity® Visa® Gold Check Card chip-enabled?
How does chip technology protect my information?
Every time you use your card at a chip-enabled terminal, a unique one-time code is created for the purchase to be approved. This makes it extremely difficult to steal or copy your card details for unauthorized use.
How can I get a new or replacement debit card?
If your current card expires or is lost, stolen, damaged, or compromised, your replacement card will be chip-enabled.
You may also request a chip-enabled replacement card at any time from your Cash Management, Manage Money & Payments page on Fidelity.com or by calling Check Card Services at 800-323-5353.
Are there any fees with the Fidelity® Visa® Gold Check Card?
There is no annual fee on the Fidelity® Visa® Gold Check Card. Other institutions, however, may assess ATM fees for use of ATMs in their network.
You can be reimbursed for ATM fees charged by other institutions if: you are a Cash Management Account customer; you have a Fidelity account coded Premium or Private Client Group; or your account has householded annual trading activity of 120 or more stock, bond, or options trades.
Please review your Fidelity Check Card Agreement (PDF) for information on reimbursement caps or limits.
For each foreign transaction, there is a foreign transaction fee (currently, 1 percent of the transaction for non-U.S. dollar transactions), which will be included in the amount charged to your account. This charge may apply whether or not there is a currency conversion.
What accounts are eligible for a Fidelity® Visa® Gold Check Card?
The Fidelity® Visa® Gold Check Card is available on nonretirement brokerage accounts and the Fidelity® Cash Management Account with individual, joint tenant, and trust registrations. Retirement accounts, corporate accounts, and accounts with foreign or military addresses are not eligible. To add a card to accounts with trust registrations, please use the ATM/Debit Card Application (PDF).
Can I set up my Fidelity® Visa® Gold Check Card to use Apple Pay®?
Yes, it's easy to connect your card to Apple Pay. Once you're connected, you can enjoy the convenience and security of making payments with your device.
Once I apply for a Fidelity® Visa® Gold Check Card, how long will it take for me to receive the card?
You can expect to receive your card within 7 to 10 days from the time we receive your application, provided you have met the minimum account balance requirement (if applicable) and your application is in good order.
How do I create a new PIN if I do not have a PIN or forgot my current PIN?
Please call Check Card Services at 800-323-5353 and use our automated system to create a custom PIN. You can change your PIN at any time through the automated system once per day. To expedite the call, be sure to have your debit card, Fidelity account number, and Social Security number available.
What do I do if my card is blocked?
Please call Check Card Services using the number located on the back of your card, or 800-323-5353, and a representative will assist you. Representatives are available 24 hours a day, 7 days a week, including holidays.
If my card is expiring, when should I expect to receive my new card?
Your new card will be mailed on or before the 15th of the expiration month located on the front of your card.
What should I do if my card is lost or stolen, or if I notice unauthorized card transactions?
Please call Check Card Services immediately using the number located on the back of your card or 800-323-5353. Representatives are available 24 hours a day, 7 days a week, including holidays.
How do I obtain an additional card for a joint account owner?
To request an additional card for a joint account holder, you may either complete and submit the ATM/Debit Card Application (PDF) or call us at 800-343-3548.
Note: Cards are limited to one per registered owner on the account.
Are there transaction limits with my card for purchases and ATM transactions?
Yes, please refer to your Fidelity Check Card Agreement (PDF) for limits.
Can I use my card to make purchases?
Yes, you can use your chip-enabled Fidelity® Visa® Gold Check Card for purchases just like a credit card wherever Visa is accepted. Some merchants may require a signature to authorize a purchase while other transactions do not (e.g., Internet, mail order, and gas stations). The amount of the purchase will be withdrawn from your Available to Withdraw balance, and the debit will be posted to your Fidelity account within five business days.
Why is the pending debit card transaction different from my actual purchase amount?
Some merchants such as hotels and restaurants are allowed to request an authorization for an estimated amount which may vary from the actual purchase amount. Additionally, gas stations are permitted to request an authorization to confirm your card is open and active. The authorized amount will reduce your Available to Withdraw balance and will be replaced with the actual purchase amount within five business days.