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Features by Account

You can add a wide range of cash management features to your brokerage, retirement, 529 college savings, or other Fidelity accounts. All features are available with our free, full-service Fidelity® Cash Management Account.

Account Features
Fidelity® Cash
Management Account

Manage your cash and investments together by using any of the following features, at no cost, with no minimum balances:

  • ATM/debit card—ATM withdrawal fees reimbursed1
  • Deposits eligible for FDIC insurance2
  • Cash Manager (alerts & self-funded overdraft protection)
  • Fidelity Mobile®
  • Fidelity BillPay®
  • Checkwriting
  • Automatic investments
  • Automatic withdrawals
  • Direct deposit
  • Electronic funds transfer (EFT)
The Fidelity Account

Add these features to help make your brokerage account work better for you:

  • Automatic investments
  • Automatic withdrawals
  • Direct deposit
  • Electronic funds transfer (EFT)
Individual retirement
account (IRA)

Whether you’re saving for retirement or need income during retirement, add these features to get the most from your IRA:

  • Automatic withdrawals
  • Automatic investments
  • FDIC insurance eligibility5
  • Checkwriting (not available for Roth IRAs)
  • Direct deposit
  • Electronic funds transfer (EFT)
529 college savings
account

Whether saving for college or paying tuition, add these features to your 529 account to help meet your goals:

  • Fidelity BillPay®4
  • Automatic investments
  • FDIC insurance eligibility6
  • Direct deposit
Features Description Account Type
ATM/Debit
card

Use your Fidelity® Visa® Gold Check Card to make purchases or get cash anywhere you see the Visa®, Plus®, or Star® logos. All ATM withdrawal fees reimbursed with a cash management account.1
ATM reimbursement levels for brokerage accounts

  • Fidelity® Cash Management Account
  • The Fidelity Account® ($5,000 minimum balance)
FDIC protection

Earn interest rates on cash balances in Fidelity accounts, which are eligible for FDIC insurance coverage.

Current interest rates

  • Fidelity® Cash Management Account2
  • Individual Retirement Account (IRA)5
  • 529 College Savings Account6
Cash Manager

Use this tool to establish self-funded overdraft protection by linking to other accounts, or create alerts to actively invest extra cash when available.

  • Fidelity® Cash Management Account
Fidelity Mobile®

Use your iPhone®, iPad® and Android™ device to check balances, pay bills, deposit checks, or transfer money.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • Individual Retirement Account (IRA)
Fidelity BillPay® Receive and pay your bills on the web or on your mobile device with our free, online bill payment service. Minimum balance of $2,500 waived with a Cash Management Account.
  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • 529 College Savings Account
Checkwriting

Get free checks, deposit slips, and online images of your cleared checks.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
    ($2,500 minimum balance)
  • Individual Retirement Account (IRA)
    (not available for Roth IRAs)
Automatic
investments

Schedule regular, automatic transfers from your bank account to your Fidelity account to provide cash for investing or everyday spending.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • Individual Retirement Account (IRA)
  • 529 College Savings Account
Automatic
withdrawals

Easily establish an income stream or satisfy minimum required distribution (MRD) rules for your retirement account.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • Individual Retirement Account (IRA)
Direct deposit

Have your paycheck, pension, Social Security check, or other regular payments sent directly to Fidelity.

  • Fidelity® Cash Management Account
  • Individual Retirement Account (IRA)
  • 529 College Savings Account
Electronic funds
transfer (EFT)

Transfer money securely between your bank and Fidelity, without deposit slips, stamps, or checks.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • Individual Retirement Account (IRA)
  • 529 College Savings Account
Fidelity Rewards
credit cards

Earn up to 2% cash-back rewards deposited into any one of your eligible accounts.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • Individual Retirement Account (IRA)
  • 529 College Savings Account
Full View®

Monitor and manage all of your Fidelity and non-Fidelity online financial accounts in one secure place, with improved account visibility and a single portfolio view.

  • Fidelity® Cash Management Account
  • The Fidelity Account®
  • Individual Retirement Account (IRA)
  • 529 College Savings Account
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ATM/Debit Card

Fee & Reimbursement Schedule

Account type ATM fee Bank surcharge
Fidelity® Cash Management Account None All ATM charges are reimbursed
Fidelity Account® Premium, Private Client Group
or with household annual trading activity of 120 or more stock, bond, or options trades
None All ATM charges are reimbursed
Fidelity Account® – all other account owners $1 per withdrawal
(first 5 per month waived) Note: No fee at the teller
No reimbursement
1. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your account, at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to your Fidelity Cash Management Account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity Visa® Gold Check Card is issued by PNC Bank, NA and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments. The third-party trademarks appearing herein are the property of their respective owners.
2. The Cash Balance in the Fidelity Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC website at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document.
3. Fidelity Account owners coded Premium, Private Client Group, or with householded annual trading activity of 120 or more stock, bond, or options trades, will automatically be reimbursed for some ATM fees charged by other institutions, up to $75 per year, while using a Fidelity® Visa® Gold Check Card at any ATM displaying the Visa®, Plus®, or Star® logos. Please review the Fidelity ATM/Debit Card Fee & Reimbursement Schedule for additional information. Any reimbursements will be credited to your account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account.
4. A minimum account balance of $2,500 is required to enroll in BillPay and checkwriting with the exception of the Fidelity® Cash Management Account.
5. On certain types of IRAs with Fidelity you can have an FDIC-Insured Deposit Sweep Core. The Cash Balance in the FDIC–insured Deposit Sweep is swept to an FDIC–insured interest-bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. The Program Bank will be assigned to your account during the account opening process. See the current list of eligible Program Banks. For more information, please see the FDIC–insured Deposit Sweep (PDF). For more information about FDIC insurance coverage, please visit the FDIC website at www.FDIC.gov or call 877–ASK–FDIC. Customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules.
6. Although the underlying deposits are eligible for FDIC insurance, subject to applicable federal deposit insurance limits, the Units of the Bank Deposit Portfolio are not insured or guaranteed by the FDIC or any other government agency. You are responsible for monitoring the total amount of your assets on deposit at the depository bank, including amounts held directly at the depository bank. All such deposits held in the same ownership capacity at the depository bank are subject to aggregation and to the current FDIC insurance coverage limitation of $250,000. Please see a 529 fact kit for more details.
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