More than just a higher rate... an award winning account
Worried about inflation? We can help you boost what your cash earns, with some of the industry's most competitive rates.
Named Best Cash Management account - Forbes 20224
Fidelity2
2.60%APY
National average interest rate on checking
0.06%APY
The Fidelity Cash Management Account ("Account") is a brokerage account designed for spending and cash management. Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance. Balances above $5 million may be placed in a non-FDIC insured money market fund, which earns a different rate. See details in Learn more section below.
Features that help you spend and save

minimums1
compatible

globally3
cash balances2
Spending
Spend smarter all in one place
- Get a real-time view of your spending
- Bill Pay lets you easily pay anyone from anywhere
- ATM fees reimbursed globally3
- Mobile check deposit

Saving
Help jumpstart your savings
- Higher rates† on your deposits can provide extra income in the fight against inflation
- FDIC protection on cash balances2
- Great for a rainy-day fund or short-term goals

Investing
Put your money to work for you
- Access a range of investment options
- Invest for long or short-term goals like education or retirement
- Features that go beyond a traditional checking account

Best in the business
Recognized By Forbes Advisor As The #1 Cash Management Account of 20224
Resources

Do you really need a bank?
The answer is not as clear-cut as it once was. Consider the alternatives.

Preparing for emergencies
Learn how to build a safety net to help protect yourself and your loved ones.

What to do with your cash
Learn about the ways you can manage the cash in your investment account.