Fidelity® Cash Management Account

All the features you need from a traditional checking account, without the bank fees.

A Fidelity® Cash Management Account includes automatically reimbursed ATM fees, no minimum balances, and easy money movement among your Fidelity accounts.

Account details

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?

Rated 4.1 out of 5 by 1207 reviewers.
Rated 5 out of 5 by Simple, convenient, integrates with my other investments I've had a cash management account since a cross-country move meant I needed to close my checking account at a local credit union. Because I already had other retirement savings at Fidelity, unifying all my finances in one place with a cash management account seemed reasonable to try - and I'm so glad I did. Having all my financial information in one central location - including the wonderful iPhone app - makes managing my money easy, convenient and even a little fun. June 13, 2016
Rated 5 out of 5 by Efficient, easy, even cost-effective This is a brilliant account feature & one step further to making Fidelity a one-stop-shop for personal finance & money management. This account enables one to rid themselves of a traditional checking account & direct deposit money to Fidelity while also quickly being capable of transferring money to other accounts, pay bills automatically, even withdraw cash from any ATM with no fees. If you have a personal portfolio with Fidelity or a CC with Fidelity (I have both) it makes it easy & seamless to direct deposit money into your cash management account & automatically pay your CC, automatically fund your IRA, automatically contribute to mutual funds, etc... So you can spend less time cleaning up your finances & paying bills & more time doing what you love. April 17, 2016
Rated 5 out of 5 by Perfect for retirement I wanted one-stop shopping for my financial needs in retirement so I opened a cash management account. It it perfect for me - checking, Debit/ATM, credit card, online bill pay, transfer funds to another bank - it is all there. Plus the convenience of moving funds from mutual funds to cash management, and funding my grandkids Fidelity 529. ATM fee reimbursement is icing on the cake. One screen lets me do everything. No more brick and mortar for me. 10 out of 10. April 12, 2016
Rated 5 out of 5 by Best debit card out there I really enjoy the cash management account and the debit card. I never noticed how many ATM fees I was being charged through out the year. Usually at the end of the year fidelity has reimbursed $40-50 which is great. Their app and website is really user friendly and their customer service is always top notch! Im writing this review as im getting my co worker singed up for the account and debit card. January 25, 2016
Rated 3 out of 5 by A good debit card that goes with the account I like the debit card ATM fee waiver feature. But I wish the fee reimbursement could occur on the same day! January 30, 2017
Rated 5 out of 5 by best checking and banking account I've ever had I love the convenience of this account. It is so straightforward and easy to use and BillPay is fantastic. I've used a number of banks in the past and this is by far the best! January 30, 2017
Rated 5 out of 5 by Best perks Best checking account I have ever had. Perks are amazing such as, you can use debit card anywhere in the world, you will get ATM fees reimbursed to your account, and you get free checks,when you run out simply call Fidelity and they will send you a box..Yes no cost to you.. January 28, 2017
Rated 5 out of 5 by Scope of Products & Ease of Use I chose Fidelity over 30 years ago for its diversity of investment products led by a cadre of experienced managers which is backed by a capable analytic capability. I commend Fidelity for its intense focus on customer satisfaction and continued efforts to improve services by providing flexible web-based and face-to-face options. January 25, 2017
Rated 4 out of 5 by secure and reliable I am not sure what Ledger is. Is it different to 'Portfolio'? If 'Ledger' is required, is it possible to provide Ledger? January 24, 2017
Rated 2 out of 5 by Can't wire money from account Everything would have been perfect if I could wire money from the account to suppliers abroad. However it seems impossible if I'm currently abroad. Hence I will have to transfer my accounts to another bank. January 24, 2017
Rated 4 out of 5 by convenient had a little trouble setting it up, but the service is good January 24, 2017
Rated 4 out of 5 by So far, so good There is always a learning curve, but overall account has worked well. There have been a few snags and some room for improvement. Overall, we are very pleased. January 23, 2017
Rated 5 out of 5 by Has served us well for over 8 years We opened the Fidelity Cash Management Account when we were going to be over seas for an extended period of time. Full disclosure, we did it to take advantage of the reimbursement of ATM fees. It was perfect. I had researched several banks and didn't want to open a bank account in the country we were going to be in for only a few months. This was the perfect solution. It worked so well for us, the convenience of online banking and transfers, low trading fees, worldwide reimbursement of ATM fees, etc. that we just continued to keep it and actually made it our primary bank account. The customer service has been great to this point and we have had nothing to complain about so far. My only very minor inconvenience has come when on the two occasions in my adult life where I have needed a cashiers check and really it wasn't that hard to come up with an alternative solution. January 22, 2017
Rated 5 out of 5 by Fast an easy Excellent app easy to work an understanding excellent in every way January 19, 2017
Rated 4 out of 5 by Like it Works well for me. Like the fact that it is credit card and online. Easy transfers between accounts. January 16, 2017
Rated 4 out of 5 by My Money Account I like my Fidelity Cash Management account for a number of reasons: * I can use any ATM anywhere anytime with no charge to me * The online access is very good * It interfaces well with Quicken I don't like my account because: * there is no easy way to do EFTs to private people - like a people pay - I have to use paypal or some other bank to do it * there is no way to "buy" cash other than ATM machines - sometimes I want cash that I can not get from ATMS such as small bills and/or coins January 16, 2017
Rated 5 out of 5 by I wouldn't go anywhere else I've been with Fidelity for many years. I trust their opinions, insights and ratings. I wouldn't go anywhere else. I've recommended Fidelity to friends and have a friend that recommended Fidelity to me. January 10, 2017
Rated 4 out of 5 by Fine and Dandy Account is fine. Serviced by you, but held at UMB? That's interesting. No issues so far. Nice to have an account with no fees. Used mobile deposit and it worked. All in all I am happy with this. January 9, 2017
Rated 4 out of 5 by Great Account for Most Needs This is very convenient for my use as an account to manage investment incomes outside of Fidelity. The only thing that is lacking is a "Pay Me" feature. I am a landlord and would benefit from a method other than providing my ACH info for persons to make deposits to my account. January 9, 2017
Rated 4 out of 5 by Ease of use I find the app to be very usable which made access to my account very easy January 9, 2017
Rated 3 out of 5 by Great value I was introduced to fidelity when I decided to participate in my employer stock purchase plan. So after reviewing the different accounts and features I decided to open a cash management account and utilize it as my daily account but while the account offers a lot for less compare to other banks it seems its not the most convenient banking option especially since payroll direct deposit doesn't get posted until way late in the day some time around midday CST. I find this no so attractive since with other banks your pay check usually post to your account the night before or early am the day of. is this the norm for brokage accounts ? January 7, 2017
Rated 4 out of 5 by So far, so good I have just recently started using my cash management account. It seems to work fine. January 2, 2017
Rated 5 out of 5 by Like a seat in FIRST CLASS My account executive is very knowledgeable, friendly and professional! I would recommend him to all who might ask for a reference. January 2, 2017
Rated 5 out of 5 by Its all there! All of the accounts details are readily accessible. The cash management account is useful as a recipient of my RMDs, and I have written a small number of checks. I wish the CMA paid a better interest rate. The Fidelity Credit card has a good rewards program, and I am very glad for the automatic payments - although it was not clear setting it up that I could have the full statement amount paid. January 2, 2017
Rated 5 out of 5 by Very happy with my Cash Management account I now have all my cash, 401k, credit card, and investments in one place. The site is well organized and the features are easy to use. The benefits of free ATM cash, and ability to move money between accounts is excellent January 2, 2017
Rated 5 out of 5 by secure and reliable very satisfy with the service when I need information or anything just call and talk with different people very professional and always get good results they always listen to my questions and explain to me I'm so happy with the service December 20, 2016
Rated 1 out of 5 by Phone App Major Flaw The Phone App does not show all Pay Bills transactions which caused me to think that it had not gone through, when I had actually sent the same large payment three times!!! The only explanation the customer service person could offer was that this function was new so that I would need to use the computer to see all transactions. I have accounts at other banks and this is not new technology. I suggest you remove the history or pending transactions options from the app if it doesn't work! This could have been disastrous for me!! December 20, 2016
Rated 5 out of 5 by Get one I find my Fidelity account to be convenient, low cost, and customer friendly. It has been a useful addition to other Fidelity accounts that I have. December 13, 2016
Rated 1 out of 5 by No more Bill Pay I really dislike having a vendor whom I pay have any say in how much is paid. I never approved this feature yet it seems to be standard with Fidelity. Accordingly I will not be using Fidelity's Bill Pay December 12, 2016
Rated 1 out of 5 by Computer support I find it impossible to get to get my account information, on charges and payments on my Fidelity Visa excellent harge card on the internet, despite help from the telephone support center. It is frustrating. December 8, 2016
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