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Choose the account you want to open

Select from either our Starter Pack bundle or one of our single-account offerings. Whether you want to manage your investments on your own or have us do it for you, you’ve got choices. Use promo code FIDELITY100 when opening your account.

Get started with a bundle

Starter Pack (The Fidelity Account® + Fidelity® Cash Management Account)
Consolidate your finances with two accounts, one designed for everyday investing and one that helps with your cash management and spending needs.


Learn more about the Starter Pack

Prefer to open a single account?

Spend and save


Fidelity® Cash Management Account
The account that helps meet your banking needs and more with no account fees or minimums to open an account, and competitive rates. It's never been easier to spend and save smarter.1


Learn more about Fidelity Cash Management


Do-it-yourself investing


The Fidelity Account®
Manage your financial needs with the Fidelity Account, a full-featured, low-cost brokerage account, designed to grow and adjust according to your needs as an investor.


Learn more about The Fidelity Account



Roth IRA
Great if you want access to your contributions without taxes or penalties before retirement. And you won't pay taxes when you withdraw your money in retirement.2


Learn more about Roth IRAs


Traditional IRA
Great if you want to reduce your taxable income by deducting your contributions.3 You won't pay taxes until you withdraw money in retirement.4


Learn more about traditional IRAs


Let us handle the investing


Fidelity Go®
Ease into investing with our robo advisor, featuring professional, affordable money management with automatic rebalancing. Whether your goal is retirement—as in a Roth IRA or traditional IRA—or saving up for something else, we handle the investing so you don’t have to.5


Learn more about Fidelity Go

1. The Fidelity Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Fidelity Account.
Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance.
2.

For a distribution to be considered qualified, the 5-year aging requirement has to be satisfied, and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them).

3.

For a traditional IRA, for 2022, full deductibility of a contribution is available to covered individuals whose 2022 Modified Adjusted Gross Income (MAGI) is $109,000 or less (joint) and $68,000 or less (single); partial deductibility is available for MAGI up to $129,000 (joint) and $78,000 (single). In addition, full deductibility of a contribution is available for non-covered individuals whose spouse is covered by an employer sponsored plan for joint filers with a MAGI of $204,000 or less in 2022; and partial deductibility is available for MAGI up to $214,000. If neither you nor your spouse (if any) participates in a workplace plan, then your traditional IRA contribution is always tax deductible, regardless of your income. For 2023 full deductibility of a contribution is available to covered individuals whose 2023 Modified Adjusted Gross Income (MAGI) is $116,000 or less (joint) and $73,000 or less (single); partial deductibility for MAGI up to $136,000 (joint) and $83,000 (single). In addition, full deductibility of a contribution is available for non-covered individuals whose spouse is covered by an employer sponsored plan for joint filers with a MAGI of $218,000 or less in 2023; and partial deductibility for MAGI up to $228,000. If neither you nor your spouse (if any) is a participant in a workplace plan, then your traditional IRA contribution is always tax deductible, regardless of your income.

4.

A distribution from a Traditional IRA is penalty-free provided certain conditions or circumstances are applicable: age 59 1/2; qualified first-time homebuyer, up to $10,000; birth or adoption expense (up to $5,000); qualified higher education expense; death or disability; health insurance premiums (if you are unemployed); some unreimbursed medical expenses; substantially equal periodic payments; or tax levy.

5.

Fidelity Go® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

Investing involves risk, including risk of loss.

Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

998109.8.0