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 money markets and CDs.

*Performance data shown represents past performance and is no guarantee of future results. Investment return and principal value will fluctuate, so you may have a gain or loss when shares are sold. Current performance may be higher or lower than that quoted. See current yield and most recent month-end performance

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

Money market mutual funds can be a great way to make the money you may need at any time work harder. Funds are invested in short-term, high-quality fixed income securities so they generally offer lower risk than other investments. While not insured by the FDIC, money market mutual funds may pay higher rates than a traditional savings accounts.

Key benefits

  • Access your funds at any time.

Next steps

Money market funds can be an effective way to get the most from your cash. Learn how to select the fund that best fits your needs.

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.