ATM/Debit Cards and HSA Debit Cards

Here's your guide to our most popular topics related to ATM/debit and HSA debit cards.

I want to... How can I do this? What can I expect?

Request a cardLog In Required

For ATM/debit cards:

  • You can apply online if you have a nonretirement brokerage or cash management account with individual or joint owners
  • Each account owner may have a card
    Note: We will only issue one card per account owner
  • If you have a trust account or to request an additional card for a joint owner, please use the ATM/Debit Card Application (PDF)
  • Please review additional ATM/debit card eligibility requirements

For Fidelity HSA® debit cards:

  • You must have an existing Fidelity health savings account (HSA) to be eligible for a card
  • Fidelity HSA customers can apply for a debit card to pay for qualified medical expenses
  • Only the HSA account owner can request additional debit cardsLog In Required for a spouse and/or eligible dependents

For ATM/debit cards:

  • Cards arrive within 7–10 business days
  • Transactions are withdrawn from your Available to Withdraw balance and they are posted to your account within 5 business days
  • Daily limits reset each day at 12:00 midnight ET

For Fidelity HSA® debit cards:

  • Additional HSA debit cards are mailed directly to the account owner's address
  • Purchases are deducted daily from your HSA
  • You can find more information about qualified medical expenses on the IRS website

Replace a card

For lost/stolen cards, please call us immediately, so a representative can stop any further transactions.

  • ATM/debit card customers, call Check Card Services at 800-323-5353
  • Fidelity HSA® debit card customers, call Check Card Services at 888-377-0323

For damaged cards, you can order a replacement card on your Manage Money & PaymentsLog In Required page.

For cards nearing expiration, your new card is sent automatically on or before the 15th of the expiration month on the front of your card.

Replacement cards arrive within 7–10 business days.

Unblock a debit card or report unauthorized transactions

  • ATM/debit card customers, call Check Card Services at 800-323-5353, the number located on the back of your card
  • Fidelity HSA® debit card customers, call Check Card Services at 888-377-0323, the number located on the back of your card

Have your ATM/debit card, account number, date of birth, and Social Security number available

 

Set up travel notifications

Please notify us of your travel plans to protect you from unauthorized charges or being declined for purchases and transactions.

  • ATM/debit card customers, call Check Card Services at 800-323-5353
  • Fidelity HSA® debit card customers, call Check Card Services at 888-377-0323

Have your card, account number, date of birth, and Social Security number available.

When you use the card in a foreign country, a 1% foreign transaction fee is included in the amount charged to your account; this charge may apply whether or not there is a currency conversion

Customers calling from overseas should use the toll-free number located on the back of their card

Change or create a PIN for an ATM/debit card

  • Call Check Card Services at 800-323-5353, the number located on the back of your card, to use our automated system
  • Have your ATM/debit card, account number, date of birth, and Social Security number available

Note: HSA debit cards do not have PINs

You can change your PIN once per day

Frequently asked questions

  • Are there any card fees or annual fees?

    There's no annual fee on the card. Other institutions may assess fees for use of ATMs in their network. Fidelity® Cash Management Account customers or Fidelity accounts coded Premium, Private Client Group, or held by customers with householded annual trading activity of 120 or more stock, bond, or options trades, will be reimbursed for ATM fees charged by other institutions. All other accounts may not be eligible for reimbursed ATM fees charged by other institutions and will be assessed $1.00 for every ATM transaction. (Note: First 5 transaction fees per month are waived.)

    Please review our Fee & Reimbursement Schedule and the Fidelity Check Card Agreement (PDF) for more details on fees, reimbursements, and limits.

    There are no fees for using HSA debit cards, but the IRS may charge penalties for non-qualified medical expenses.

  • What expenses can I pay for with my HSA debit card?

    HSA debit cards can be used for qualified medical expenses at eligible merchants, such as doctors' offices and pharmacies where Visa® debit cards are accepted. They can't be used at ATM machines or to get cash back on purchases.

  • Where can I use my ATM/debit card?

    Find an ATM location, make purchases, or authorize an automatic debit wherever Visa® is accepted. You can withdraw cash at ATMs worldwide wherever you see the Visa, Plus®, or Star® logos.

  • Where do I view my spending limits and withdrawal limits?

    On your Manage Money & PaymentsLog In Required page, you can review your card's details, including spending limits and balances.

  • Why is the pending debit card transaction different from my actual purchase amount?

    Some merchants such as hotels and restaurants are allowed to request an authorization for an estimated amount which may vary from the actual purchase amount. Additionally, gas stations are permitted to request an authorization to confirm your card is open and active. The authorized amount will reduce your Available to Withdraw balance and will be replaced with the actual purchase amount within five business days.

  • How do I cancel my card?

    If you need to cancel your ATM/debit card, please call Check Card Services at 800-323-5353, the number located on the back of your card.

    If you need to cancel your HSA debit card, please call Check Card Services at 888-377-0323, the number located on the back of your card.

  • My card didn't arrive – what should I do?

    If your ATM/debit card never arrived, please call Check Card Services at 800-323-5353.

    If your HSA debit card never arrived, please call Check Card Services at 888-377-0323.

  • My transaction was denied – what should I do?

    If your transaction was denied or your ATM/debit card was blocked, please call Check Card Services at 800-323-5353, the number located on the back of your card.

    If your transaction was denied or your HSA debit card was blocked, please call Check Card Services at 888-377-0323, the number located on the back of your card.

    Please have your card, account number, date of birth, and Social Security number available for authentication purposes.

  • How do I turn on ATM/debit and HSA debit alerts for my cash management account?

    On your Cash Management AlertsLog In Required page, you can sign up for alerts including Debit Card Usage, which notifies you when a debit card transaction posts to the account or exceeds a dollar threshold you determine.

  • Are ATM/debit cards and HSA debit cards chip-enabled?

    Yes, our cards now feature chip technology that gives you global acceptance plus an enhanced level of security when used at chip-enabled terminals. The flexibility of your chip card makes it perfect for your purchases at home and when you travel outside the U.S.

  • How does chip technology protect my information?

    Every time you use your card at a chip-enabled terminal, a unique one-time code is created for the purchase to be approved. This makes it extremely difficult to steal or copy your card details for unauthorized use.

  • How do I get a chip-enabled debit card?

    Chip-enabled debit cards will be provided when your current card is replaced at expiration, lost, stolen, or compromised. You may also request to receive a replacement ATM/debit or HSA debit card at any time from your Cash Management, Manage Money & PaymentsLog In Required page on Fidelity.com.

  • How do I use my chip-enabled debit card?
    1. Insert the chip end of the card into the chip-activated terminal with the chip facing up.
    2. Keep the card in the terminal throughout the transaction and select DEBIT or CREDIT when prompted. (Keep in mind, you may need to enter a PIN or sign for your purchase based on your selection.)

      Note: HSA cardholders must select CREDIT if given a choice at point of sale.

    3. Remove your card when prompted and take your receipt.
  • Can I still swipe my chip-enabled card to pay?

    Yes, if a merchant is not yet chip-activated, simply continue to swipe your card as usual.

  • Can I set up my card to use Apple Pay®?

    Yes, Apple Pay® is available for brokerage, cash management, and HSA cards. For more specifics, please review our Pay With Your Debit Card Using Apple Pay® page.