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.

Questions?

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