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.

Rated 4.1 out of 5 by 1163 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 5 out of 5 by Best Checking Acct I have used many checking accounts in the past. None comes close to offering the same benefits and service as the Fidelity checking account. This was the one thing I was missing at Fidelity for a long time. They finally heard their customers and introduced checking acts. Kudos to Fidelity. October 26, 2016
Rated 5 out of 5 by Cash accounts made easy Fidelity cash management has so far been a revolution in combining my accounts into a single powerful unit. Keep it going strong, guys! October 26, 2016
Rated 4 out of 5 by Limited use so far This account would be better if I would take the time to make it my major bank and use auto deposit of my pension. Because this has not yet happened, I enjoy having the money available but always worry about where to replenish when the balance gets low. October 25, 2016
Rated 5 out of 5 by Reliable and Professional All of my inquiries to fidelity for services has been excellent. The customer service has exceeded my expectations. I'm very pleased with your security features, and all the investment options and information that the company has provided me. October 25, 2016
Rated 5 out of 5 by Solid Fidelity offers excellent services for a very reasonable price. Some features, like automatic reinvestments of dividends generated by one fund into another fund, are unique. That feature should be appreciated by people who don't have the desire to log in to often. For others, including frequent traders, there is an abundance of tools for research and to execute their ideas. The support for options trading is very good and very user friendly. The execution of orders is without objections. Finally, when I need a personal assistance, I call sometimes at the most ungodly hours and always get help. October 24, 2016
Rated 5 out of 5 by Good Information Articles that are emailed are very informative and easy to print and share. October 24, 2016
Rated 5 out of 5 by Cost effective and all-inclusive Offers the convenience and value of every day banking services without typical service/bank charges. October 24, 2016
Rated 4 out of 5 by A convenient buffer for holding liquid assets. It's a very useful and secure account when one wants to keep substantial liquidity at a time of an uncertain /volatile financial market. October 24, 2016
Rated 4 out of 5 by Overall not bad It was a little complicated to get started. But no credit check to hit the credit report. No random fees, makes it better that conventional banks. October 24, 2016
Rated 5 out of 5 by Great service Couldn't ask for better service and safety. Very conveint way to keep up with money. October 18, 2016
Rated 5 out of 5 by Excellent Great account. The ease of use and ability to do all the things I want and need to do has made this my go to account. I have since closed my accounts at other instituitions. October 18, 2016
Rated 5 out of 5 by Customer Service My local Fidelity customer service rep. always keeps me informed as to any educational updates at the office. October 18, 2016
Rated 3 out of 5 by Check writing Check ordering is too cumbersome. Also collateral does not advertise that international ATMs are reimbursable too. October 18, 2016
Rated 5 out of 5 by Cash Management Account I mainly use this for cash savings and "ready " money and this account serves that purpose October 18, 2016
Rated 3 out of 5 by gone with the wind Can't deposit check by phone over a fixed amount. Was told to mail a signed check to deposit. hope someone else sees a problem with that October 9, 2016
Rated 5 out of 5 by EXCELLENT ACCOUNT No fees, very convenience account, able to access it 24/7, and make any transfer from and into the account from any device. Considering into apply for Fidelity credit card. October 5, 2016
Rated 5 out of 5 by Smart Account The account is a supremely efficient system that easily helps you manage cash. The account design makes is easy to use (view and navigation) and it is an excellent overall system designed to help you organize your money. It is a smart account for daily use. October 4, 2016
Rated 5 out of 5 by Convenient and reliable I live in a rural area so being able to access our account statistics and all the research available on your site is wonderful. Also, being able to talk with a person by phone is also convenient and the service is always reliable. Travelling is also part of our life so again, having Fidelity works fine for us. October 3, 2016
Rated 5 out of 5 by Convenient, practical financial tool Overall the Fidelity CMA is a convenient and practical tool for dealing with financial transactions (e.g., bill-paying, credit card management, ATM access, etc.). October 3, 2016
Rated 5 out of 5 by As far as I can tell, very secure I haven't been using the service very long, but so far I like it. October 2, 2016
Rated 5 out of 5 by Makes Retirement planning Easy. Everything I need for Retirement in one place. All the tools and advice I need. October 2, 2016
Rated 3 out of 5 by secure It takes entirely tooling for deposits to clear and become available September 30, 2016
Rated 5 out of 5 by easy to use easy to use account that is tied to my other accounts so that I can do what I need to do without hassle. September 27, 2016
Rated 5 out of 5 by Great replacement for my local bank I switched all of my financing to come through my Fidelity Cash Management Account, and I don't regret it for a second. Ease of management of cash between investment accounts, savings, and credit cards (with a Fidelity Rewards card) is a huge plus. It also greatly simplifies adding to my investment accounts - rather than waiting for an electronic funds transfer, which can take several days, balances are quickly updated. September 25, 2016
Rated 4 out of 5 by investments I have enjoyed working with my Fidelity investor who I believe has my best interests at heart. September 22, 2016
Rated 5 out of 5 by Convenient and user friendly Love the account. As stated its convenient and user friendly. Thank you. September 21, 2016
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