Money management tools
There's a better way to manage your money. You'll get one account for spending on everyday transactions and one for investing that can help your savings grow. Plus, it's easy to move cash between both, so your money is exactly where you need it, when you need it.
This is a spending account for everyday transactions. It's like a checking account — but with extra benefits.
- Free debit card, bill pay, check writing, and mobile deposit
- All ATM fees are automatically reimbursed
- No account fees or minimum balances
- Connects easily to Venmo, Apple Pay®, Square Cash, PayPal, and Visa Checkout®
- A variety of short term investment options that help you earn more on your idle cash
- 24/7 customer support
This is an investing account for your short- and long-term goals. It can help you grow your savings.
- Buy stocks, bonds, mutual funds, ETFs, and more
- No account minimums to open an account
- $0 commission for online US stock, ETF, and option trades
- Straightforward, easy-to-use tools that help you make smart investment decisions
- 24/7 customer support
CDs and short-duration bonds may offer more yield, and risk, than savings accounts.
The answer is not as clear cut as it once was. Consider the alternatives.
Small changes can help you save more and grow your money.
$0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). There is an Options Regulatory Fee (from $0.03 to $0.05 per contract), which applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules.
Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.
Your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Debit Card linked to your Fidelity Cash Management Account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there may be a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.