Deposit Money Into Your Fidelity Accounts

Here's your guide to our most popular topics on depositing or transferring money into your accounts, including contributing to your IRAs and 529 college savings plans.

I want to... How can I do this? What can I expect?
Deposit money into an account

Select the deposit method that works best for you:

If your deposit arrives on a business day before 4 p.m. ET:

  • EFT and check deposits are generally available to use within 4 business days
  • Bank wire, direct deposit, or Federal Reserve Treasury check deposits are available immediately
Make a contribution to an IRA or a 529 college savings plan

Select the contribution method that works best for you:

  • You don’t have to wait until the funds are available to invest your money
  • 529 plan contributions are invested based on your existing instructions; you’ll receive a confirmation when we’ve invested your 529 contribution
Have deposits or contributions occur automatically

See How to Set Up Automatic Investments to schedule automatic deposits and contributions to fund your eligible nonretirement accounts, IRAs, and 529 college savings plans.

After you set it up, and based on whether or not you’re using existing bank information, you can generally start using the feature within 2-4 business days.

Direct deposit pay, Social Security, or pension benefits

See How to Set Up and Use Direct Deposit to get your paycheck, Social Security, or other pension benefits deposited into your Fidelity account.

  • It may take a couple of pay periods before your direct deposit is active
  • You should get a confirmation from your employer when the setup is completed
Transfer assets from an outside firm See Transfer an Account to Fidelity to move your assets from another firm quickly and efficiently.
  • A typical transfer takes about 5 days to process
  • You can track the progress using the Transfer Tracker
Contribute to a 401(k) or 403(b) plan

Log in to NetBenefitsLog In Required to review your balances and contributions for your plans managed by Fidelity—enter the same username and password you use for your other Fidelity accounts.

Employers set up 401(k) or 403(b) plans. If you want to change your contributions, you may need to contact your employer or plan administrator.

Roll over an old 401(k) plan

Visit 401(k) Rollover to an IRA to get started with:

  • Opening a new IRA (if you don’t have one)
  • Requesting the money
  • Choosing your investments
  • Your former employer or plan administrator initiates the rollover.

    Important: The check should be made payable to Fidelity Management Trust Company (or FMTC), FBO [your name]. Be sure to include your IRA account number on the check.

  • You have a few options for depositing your check:
    • Use the Fidelity Mobile® app: Scan and deposit checks with your iPhone®, iPad®, or AndroidTM
    • Bring to a Fidelity Investor Center: Find an Investor Center by ZIP Code
    • Send by regular mail: 
      Fidelity Investments
      ATTN: Direct Rollovers
      PO Box 770001
      Cincinnati, OH 45277-0037
    • Send by overnight mail: 
      Fidelity Investments
      ATTN: Direct Rollovers
      100 Crosby Parkway KC1H
      Covington, KY 41015-0037
  • Our rollover assistant tool makes rolling over simpler and can help you through the entire process with help from specialists as needed

Frequently asked questions