Our cash management, credit, and lending solutions can help you with everything from everyday cash flow to buying a home.
You have spending, saving, and borrowing needs, and we've got the accounts to help support you—exclusively for Fidelity customers.
Fidelity customers have access to unlimited global ATM fee reimbursements,1 no foreign transaction fees, and fee-free checkwriting, bill pay, and direct deposit. Whether you’re saving or spending, get competitive rates on cash.
Spend and earn unlimited 2% cash back on purchases when you deposit into an eligible Fidelity account.2
Get access to an exclusive lending program and a dedicated mortgage expert—they can guide you through the home loan process from start to finish.
Add money into your account with ease with direct deposit, use our free online service to easily pay and manage your bills, and set aside your savings with confidence—you can earn a competitive rate.
Use the award-winning Fidelity Mobile® App5 to track your spending and link your card to your digital wallet for a secure, convenient, and easy way to pay for what you need.
As a Fidelity customer, you have access to exclusive home lending rates and relationships.
With a securities-backed line of credit, you can use your investments as collateral to access cash for real estate, tuition, or other major purchases.
*You must have $500K in assets to qualify.
Buy a new home, refinance your mortgage, or access home equity—we've got options to match wherever you are in the borrowing process.
Fidelity's triple-tax-advantaged3 health savings account (HSA) may be one of the best ways to save and pay for qualified medical expenses, and invest for the future—with no account fees and minimums.4 Accounts can be opened any time during the year, not just during open enrollment periods.
*Accounts must be paired with an HSA-eligible health plan.
Track your money with our 60/30/10 + 15 plan for spending and saving. Small steps can help.
5 min 
Understanding borrowing periods and interest rates.
5 min 
A guide to saving throughout the year.
5 min 
Whether you’re looking for focused investment strategies or a more collaborative and customized approach, we offer a number of ways to work together.
We’ll guide you through some basic questions to help you find accounts that may fit your goals.
We can help you get started.
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.
1. Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Fidelity does not charge foreign transaction fees; however, if you choose to pay a foreign debit card transaction in US dollars, your transaction may be processed at a rate different than market exchange.
2. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. Subject to applicable law, you may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).
3. With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.
4. There are zero account fees and zero account minimums for Fidelity HSAs®offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts). When a Fidelity HSA® is offered as part of an employer’s benefits package (which occurs through NetBenefits®), Fidelity charges the employer a recordkeeping fee. This is a common fee charged by HSA providers. This fee may be up to $48/year, but it could be reduced or waived depending on the HSA balance. Employers may pass this fee on to their employees. Contact the employer for more information. Accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. Account minimums may apply to certain investments, including the purchase of some Fidelity mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. For more information and details, see the fund's prospectus and/or www.fidelity.com/commissions.
5. Fidelity was named NerdWallet's 2025 winner for Best Broker for Beginning Investors, Best Online Broker for IRA Investors, Best App for Investing (based on evaluation of 19 brokers), Best Robo-Advisor for IRA Investors, and Best Robo-Advisor for Low-Cost Investing (based on evaluation of 14 brokers.) ©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Fidelity® and Elan Financial Services are separate companies.
Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.
The Fidelity® Debit Card is issued by Leader Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity, although, the parent company of Fidelity has a minority percentage, non-controlling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by Leader Bank pursuant to a license from Visa U.S.A. Inc.
The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at IRS.gov. You can find IRS Publication 969, *Health Savings Accounts and Other Tax-Favored Health Plans*, and IRS Publication 502, *Medical and Dental Expenses*, online, or you can call the IRS to request a copy of each at 800-829-3676.
The images, graphs, tools, and videos are for illustrative purposes only.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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