The Fidelity Account® Plus Fidelity® Cash Management Account

Open the Fidelity Account® with a Fidelity® Cash Management Account1—a convenient alternative to traditional checking. You'll enjoy all the benefits of our low-cost brokerage account and take control of your cash.

Why the Fidelity Account®

  • No annual account fees
  • Only $4.95 for online U.S. equity trades2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs3
  • Advanced trading platform4 and tools for Active Traders and free, independent research from more than 20 providers
  • International investing in 25 markets and 16 currencies
  • Mobile trading applications to help you keep up with the market and your portfolio

Why the Fidelity® Cash Management Account

  • No annual account fees, minimum deposit or balance
  • All ATM fees reimbursed—at more than 1 million ATMs nationwide5
  • Deposits eligible for FDIC insurance6
  • Interest earned on uninvested cash, which is eligible for FDIC insurance coverage up to $1,250,000—five times more than the typical bank7
  • Account Dashboard, mobile check deposit, Fidelity BillPay®, and unlimited checkwriting; plus electronic funds transfers, direct deposit, and more

Why Fidelity

  • Access to knowledgeable representatives
  • More than 150 Investor Centers
Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
1. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.

$4.95 commission applies to online U.S. equity trades 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). Other conditions may apply. See for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules.

3. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see
4. Active Trader Pro PlatformsSM is available to customers trading 36 times or more in a rolling 12-month period; customers who trade 120 times or more have access to Recognia anticipated events and Elliott Wave analysis.
5. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Debit Card linked to your account, at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to your Fidelity Cash Management Account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, NA and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments. The third party trademarks appearing herein are the property of their respective owners.
6. The Cash Balance in the Fidelity Cash Management Account is swept to an FDIC-insured interest-bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance, subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Visit to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
7. The Fidelity® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).