Cash Management FAQs: Payment Services
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 The amount of the purchase will be withdrawn from your Available to Withdraw balance and the debit will be posted to your Fidelity account within five business days.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?
Our debit cards now feature chip technology that gives you global acceptance plus an enhanced level of security when used at chip-enabled terminals. The flexibility of your chip card makes it perfect for your purchases at home and when you travel outside the U.S.
How does chip technology protect my information?
Chip cards securely store information and process data safely and efficiently. Every time you use your card at a chip-enabled terminal, a unique one-time code is created for the purchase to be approved, making your card extremely difficult to counterfeit or copy.
How do I get a chip-enabled debit card?
Chip-enabled debit cards will be provided when your current card is replaced at expiration, lost, stolen, or compromised. You may also request to receive a 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 may assess ATM fees for use of ATMs in their network. Fidelity® Cash Management Account customers or Fidelity accounts coded Premium, Private Client Group, or held by customers with householded annual trading activity of 120 or more stock, bond, or options trades, will be reimbursed for ATM fees charged by other institutions.
Please review your Fidelity Check Card Agreement (PDF) for specific 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 PayTM?
Not yet, but we plan to offer this service in the future and will let you know when it becomes available.
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 debit 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.
How can I order a replacement card?
If your current card is damaged or worn, you can request a replacement card from your Cash Management, Manage Money & Payments page on Fidelity.com or by calling Check Card Services at 800-323-5353.
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 to minimize any potential losses. 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-FIDELITY.
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.
How do I use my chip-enabled debit card?
- Insert the chip end of the card into the chip-activated terminal with the chip facing up.
- Keep the card in the terminal throughout the transaction and select DEBIT or CREDIT when prompted. (Keep in mind, you may need to enter a PIN or sign for your purchase based on your selection.
- Remove your card when prompted and take your receipt.
Can I still swipe my chip-enabled card to pay?
Yes. If a merchant is not yet chip-activated, simply continue to swipe your card as usual.
Where can I use my card to withdraw cash, make a purchase, or authorize an automatic debit?
You can use your chip-enabled Fidelity® Visa® Gold Check Card to make a purchase or authorize an automatic debit just like a credit card wherever Visa is accepted. You can withdraw cash at ATMs worldwide wherever you see the Visa, Plus®, or Star® logos.
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.
What is Fidelity BillPay®?
Fidelity BillPay® is an online service that allows you to receive and pay eBills (electronic bills) from participating billers, pay one-time and automatic bills, review payment history, and set up bill reminders with just a few clicks. Since you no longer have to write checks or pay for postage stamps, Fidelity BillPay saves you time and money. Once you’ve established your BillPay account on Fidelity.com, you can also pay bills while on the go with your iPhone®, iPod touch®, iPad®, or Android™ mobile device.
What is the fee for Fidelity BillPay®?
Fidelity BillPay® is a free online service for all customers.
What are the requirements to establish Fidelity BillPay®?
To establish Fidelity BillPay®, you must have a Fidelity non-retirement brokerage account with an individual, joint, estate, or trust registration.
Note: Portfolio Advisory Services Accounts are not eligible.
How do I establish Fidelity BillPay®?
To establish Fidelity BillPay®, log in to Fidelity.com and select Manage Account Features within Customer Service.
How do I contact Fidelity for help with Fidelity BillPay®?
To contact us regarding Fidelity BillPay® enrollment, send us an email or contact a Fidelity BillPay representative at 800-544-5703. Representatives are available to answer your questions 7 days a week, 24 hours a day.
What accounts are eligible for checkwriting?
Checkwriting is available on nonretirement brokerage and cash management accounts with individual, joint tenant, business and trust registrations, custodial accounts, health savings accounts, mutual fund accounts, and traditional retirement accounts.
Note: You must be at least 59 ½ years old to add checkwriting to a retirement account.
Is there a minimum balance requirement for checkwriting?
A minimum balance of $2,500 is required in your account to enroll in checkwriting with the exception of cash management, health savings and mutual fund accounts.
Note: Minimum and maximum check amounts may apply for retirement and mutual fund accounts per the prospectus.
- How can I reorder checks and deposit slips?
Can I order custom style checks (i.e., duplicate checks) and accessories?
Yes, please contact a Fidelity representative at 800-544-6666.
How can I cancel a check order?
Please contact a Fidelity representative at 800-544-6666.
How long will it take for me to receive my checks when I submit a new or reorder request?
You should receive your checks within 10 business days after we receive your request. Please allow up to four weeks for custom orders. Note: New check orders require a completed signature card signed by all owners.
How can I obtain a check image?
Check images are provided with your statement and available online for 18 months through Fidelity.com. Simply log in, select History within the Activity tab or Select Action dropdown and click on the check image link to view/print the front or back of the check.
How can I place a stop payment on a check?
Please contact a Fidelity representative at 800-544-6666. A stop payment fee may apply. Stop payment requests do not guarantee nonpayment of checks and are dependent on whether the check is still outstanding in the clearing cycle.
How can I request a cancelled check?
To receive cancelled checks written in the past year, send your account number, check numbers, and dates to us via secure customer email.