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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Cash Management Overview

Fidelity^® Cash Management Account

An alternative for individuals seeking FDIC insurance that comes with the features you need from a traditional checking account, without the bank fees.

Open a Cash Management Account

Monthly fees	None
Minimum balance	None
ATM fees	None. All ATM fees automatically reimbursed nationwide.¹
FDIC insurance	Coverage up to $1,250,000—five times more than the typical bank.² Learn more about Safeguarding Your Accounts and view current interest rates.
Free mobile check deposit	Scan and deposit checks with your iPhone^®, iPad^®, or Android™ with Fidelity Mobile^®.
Free checkwriting	Get free checks, deposit slips, and online images of your cleared checks.
Free Fidelity BillPay^®	Receive and pay your bills on the web or on your mobile device.
Account dashboard	Quickly and easily transfer money among your Fidelity accounts, view balances, or pay bills in one secure place.
Alerts & self-funded overdraft protection	Create your own alerts when you have excess cash to potentially invest, or link to other Fidelity accounts for overdraft protection. See how the Cash Manager tool works.

Ready to get started?

Open an Account

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Questions?

The Fidelity Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account^®.

The Cash Balance in the Fidelity Cash Management Account is swept to an FDIC-insured account at one or more Program Banks where it earns a variable rate of interest. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. For more information about FDIC insurance coverage, please visit the FDIC website at www.FDIC.gov. 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 each of the Program Banks to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. See the list of .

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^® Debit Card linked to your account at any ATM displaying the Visa^®, Plus^®, or Star^® logos. The reimbursement will be credited to the 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^® Debit Card is issued by PNC Bank, N.A. and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. Those entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to license from Visa U.S.A. Inc.

2. The Fidelity^® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC.

For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF)

461534.25.0

Thank you for choosing the Fidelity^® Cash Management Account

If you do not have an existing account at Fidelity, you may also open the Fidelity Account^®, our full service brokerage account for trading and investing. Choose one of these options to get started:

Open both a Fidelity Cash Management Account and a Fidelity Account in one easy online session.

Open a Fidelity Cash Management Account only.

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Fidelity® Cash Management Account

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Thank you for choosing the Fidelity® Cash Management Account

Fidelity^® Cash Management Account

Thank you for choosing the Fidelity^® Cash Management Account