How to Deposit a Check Into Your Account

It's easy to deposit a check using your mobile device, but perhaps you find it more convenient to mail your check or drop it off at a Fidelity branch. Simply choose the method that works best for you.

What's the fastest way to make a deposit?

Learn how fast and easy it is to make deposits when and where it's convenient—straight from your smartphone.

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What do I need to know?

For mobile deposits:

  • Find the right app for your device by visiting our Fidelity Mobile® Apps page.
  • After you download the app, follow the instructions on the Mobile Check Deposit page.
  • While you don't need to mail the check to us, you may want to keep it for your records.

Note: Mobile check deposit is not available for deposits into standalone mutual fund accounts, Keoghs, non-prototypes, self-employed 401(k)s, estates, guardianships, and conservatorships.

For mailed deposits:

  • You can find complete instructions on the Deposit a Check by Mail page.
  • Endorse the check and indicate the account number you want credited.
  • For IRA contributions, please add the contribution year in the check's memo field.

For branch deposits:

  • You can go to any branch; it doesn't have to be your local office. Find an Investor Center near you.
  • Make sure you know the hours the branch is open.
  • All checks must be received by 3:59 p.m. ET to be credited that day.

What to expect

Regardless of how you make a deposit, your check's collection time depends on the date we receive and credit your check. When your check is credited to your account, we’ll send you a confirmation by email or U.S. Mail, depending on your delivery preferences.

You can review the date your money is available by logging on to Fidelity.com:

  • Select Accounts & Trade, Cash Management to see your Manage Money & Payments page, or
  • Go to your Portfolio page and view your Account Balances.

Note: Your deposit into a Fidelity mutual fund starts earning dividends or interest on the first business day after the purchase date. For example, checks credited on Friday begin earning dividends or interest on Monday.