Cash management from Fidelity

Our account gives you flexibility to access your cash whenever you need it while still allowing you to put your money to work.

A smart alternative to a bank account

1 Save


Manage your cash without paying account fees or worrying about minimums and get FDIC coverage up to $1.25 million.

2 Spend


Discover more ways to access your money, plus ATM reimbursements, no minimum balances, and no account fees.

3 Invest


Choose from a variety of investment options, including FDIC-insured certificates of deposit (CDs).*

More information

Your cash balance is held at one or more partner banks, and is accessible whenever you need it.

Learn more about FDIC

Key benefits

  • Access your funds at any time

More information

Whether you're paying bills, withdrawing cash, or making large purchases, we offer more ways to access your money. Plus, you get reimbursed for all ATM fees anywhere in the US, making it easier to access your money whenever you need it. For more details, see below.

Key benefits

  • Get a free ATM/debit card with enhanced security and online services
  • Free checkwriting and free access to Fidelity BillPay®
  • Make payments from your account using a wide range of apps and devices

More spending details

  • Monthly account fees


  • Mobile check deposit

    Scan and deposit checks using your iPhone®, iPad®, or AndroidTM with Fidelity Mobile®.

  • Account dashboard

    Quickly and easily transfer money among your linked Fidelity accounts for overdraft protection, to view balances, or to pay bills from one secure place.

  • Alerts

    You can create your own alerts letting you know when you have excess cash to invest or when rates change.

More information

Fidelity offers investors brokered CDs, which are CDs issued by banks for brokerage firm customers. These CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers. Because the deposits are obligations of the issuing bank, and not the brokerage firm, they're FDIC insured.

Key benefits

  • FDIC insured
  • Terms to maturity range from 3 months to 5 years
  • New issue CDs have no trading fees

Next steps

Learn how you can earn more on your cash, while protecting your principal, with our FDIC-insured CDs offered from a variety of banks.

A variety of on-the-go options allow you to access the money in your cash management account whenever and however you want.

Start using BillPay® to handle all your mobile payment needs.