Fidelity Bloom®

Getting started

  • What is Fidelity Bloom®?

    Fidelity Bloom® is a free financial app that helps you save more, spend less, and feel better about your finances. We combine behavioral science with built-in features that help you grow your savings and change your money habits.

    You’ll open 2 Fidelity brokerage accounts, Fidelity Bloom Spend and Fidelity Bloom Save. You’ll also receive a debit card that automatically deposits your earnings and rewards into Fidelity Bloom Save.

    Brokerage accounts are not bank accounts.

  • Why do I have 2 separate accounts in Fidelity Bloom®?

    Research shows that you’re more likely to have a greater awareness of your finances, and less likely to move money, when you have separate accounts for saving and spending. Fidelity Bloom® is designed with behavioral science principles to help you spend more mindfully and save more successfully.

  • How can Fidelity Bloom® help me change my spending habits?

    Fidelity Bloom® includes features like nudges and Challenges that can help you change your spending habits. We’ll share actions and insights to make you think differently about your spending and saving, and encourage you to take a more mindful approach to your finances.

    Mindful spending starts from the moment you begin earning income. We tend to anchor our spending to how much money we have in our pocket. So, it makes sense that when we get a raise, we end up spending more. That’s why Fidelity Bloom encourages you to save before you start spending.

    Spending can have an emotional component, which is why we prompt you with occasional check-ins that help you track your relationship to your finances over time.

  • How can Fidelity Bloom® help improve my financial well-being?

    Financial well-being has as much to do with your feelings as it does with the amount in your account. Fidelity Bloom® is built to help you feel in control of both.

  • What types of accounts are Fidelity Bloom® Save and Spend?

    Fidelity Bloom® Save and Fidelity Bloom Spend accounts are brokerage accounts with limited features available through the app so we can focus on helping you build positive saving habits. You may access a broader set of brokerage account features by logging in to your account on Fidelity.com or the Fidelity app.

    Fidelity Bloom accounts are brokerage accounts covered by SIPC insurance. They are not bank accounts and therefore are not covered by FDIC insurance. Holdings in your Fidelity Bloom accounts are subject to market risk and risk of loss.

  • What account positions are in the app?

    Fidelity Bloom® uses the core position of your brokerage accounts—which defaults to a money market fund and, similar to a wallet, holds your cash—to process your spending and saving transactions. You can select your core position when you open your account. Visit Fidelity.com to access trading and investing features of your account.

  • Is Fidelity Bloom® for children or teens?

    Fidelity Bloom® users must be at least 18 years old to open an account.

    Fidelity offers a Youth Account for users under 18. Please visit fidelity.com/youth to learn more.

Debit card

  • Where can I use the Fidelity Bloom® debit card?

    You can use the Fidelity Bloom® debit card wherever Visa is accepted. You can also withdraw cash at ATMs worldwide wherever you see the Visa®, Plus®, or Star® logos.

  • What should I do if my Fidelity Bloom® debit card is lost or stolen?

    If your Fidelity Bloom® debit card is lost or stolen, you can place a temporary block on any new withdrawals or purchases by selecting the “Lock card” link next to your card under ”Manage debit cards” (located in “Profile and Settings”). Once your card is locked, you'll also be unable to add it to a digital wallet or person-to-person payment app. However, recurring transactions, returns, and credit adjustments will still be allowed while your card is locked. You may unlock your card at any time.

    If you notice unauthorized transactions, please call Fidelity Debit Card Services immediately at 800-323-5353. Representatives are available24 hours a day, 7 days a week, including holidays.

  • How do I activate my Fidelity Bloom® debit card?

    You can activate your Fidelity Bloom® debit card at fidelitydebitcard.com, or through the app or on Fidelity.com by tapping "Manage debit cards" under “Profile and Settings."

  • Are my ATM fees reimbursed in Fidelity Bloom®?

    ATM fees are not reimbursed when you make withdrawals using the Fidelity Bloom® debit card.

  • Does my Fidelity Bloom® debit card have limits?

    Yes, there are limits for your Fidelity Bloom® debit card. You can view your daily spending limit and remaining balance associated with your debit card under “Manage debit cards.” Your daily limit will reset each day at midnight ET. Your daily spending limit is subject to the “Available to withdraw” balance in your account and specific daily transaction limits, which are not shown.

  • Is there a daily limit to the number of Fidelity Bloom® debit card transactions I can make?

    There is a transaction limit of 15 purchases per day for the Fidelity Bloom® debit card. To view other transaction limits, navigate to "Profile & Settings" and tap "Manage debit cards."

  • Who issues the Fidelity Bloom® debit card?

    The Fidelity Bloom® debit card is issued by Leader Bank 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, noncontrolling 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.

  • Why are my Fidelity Bloom® debit card purchases rounded up?

    By using the Fidelity Bloom® debit card, you’re automatically enrolled in our Round Up feature. The difference between the cost of your purchase and either a dollar amount ($1—$10) or a percentage (1%—10%) that you predetermine will be automatically transferred from your Fidelity Bloom Spend account to your Fidelity Bloom Save account every time you use your debit card.

Cash-back shopping

Fidelity Bloom® Shopping: Cash-Back Rewards button

Challenges

Round Up

  • What is Round Up in Fidelity Bloom®?

    Round Up is a Fidelity Bloom® debit card feature that rounds up your purchase to either a dollar amount ($1–$10) or percentage (1%–10%) that you predetermine and automatically transfers the “spare change” from your Fidelity Bloom Spend account into your Fidelity Bloom Save account. It has a maximum transfer amount of $10 per purchase.

    When you sign up with Fidelity Bloom, you’re automatically opted into Round Up. If you close your Fidelity Bloom Save and/or Fidelity Bloom Spend account, Round Up will no longer work.

  • Can I opt out of Round Up in Fidelity Bloom®?

    You may enable or disable Round Up, or update your Round Up amount, at any time. To do so, navigate to Profile & Settings in the Fidelity Bloom® app and tap Round Up. Please allow 1–3 business days for the changes to be reflected in your account.

  • Why is my Round Up amount in Fidelity Bloom® different than what I expected?

    Fidelity Bloom® applies your Round Up settings once per day, during nightly processing. If you change your Round Up settings throughout the day, we’ll apply the most recent settings to all of your purchases for that day.

    For example: You make a purchase in the morning with Round Up amount set to 5%. You change your Round Up amount to 8% in the afternoon and make a second purchase in the evening. We’ll apply the most recent Round Up amount (8%) to both transactions during nightly processing.

Money Movement

  • When will my electronic funds transfer (EFT) arrive in Fidelity Bloom®?

    The processing time for your deposit in Fidelity Bloom® depends on the deposit method you use.

    Deposits made using electronic funds transfer (EFT) may take up to 6 business days to process if you submit your request by 4 p.m. ET.

    NOTE: The transfer of funds from your bank generally only takes 1–2 business days. To help protect you from fraud, however, Fidelity adds an additional risk hold processing of 1–5 days.

  • When will my mobile check deposit arrive in Fidelity Bloom®?

    Generally, mobile check deposits in Fidelity Bloom® are available for withdrawal within 4 business days if submitted on a business day prior to 4 p.m. ET and determined to be in good order.

    Check deposits are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays.

  • How do I modify or pause automatic transfers in Fidelity Bloom®?

    To modify or pause automatic transfers in Fidelity Bloom®, navigate to Profile & Settings, then Recurring Transfers.

  • Will I be charged an overdraft fee in Fidelity Bloom®?

    Fidelity Bloom® doesn't charge overdraft fees. Your bank might, however, so be sure to check their policy. If a transfer is scheduled while your balance is low or overdrawn, we’ll pause it until your balance is restored. If the transfer will cause a potential overdraft, we’ll cancel it.

  • How do I fund my accounts in Fidelity Bloom®?

    You can fund your Fidelity Bloom® accounts via money from your bank account with an electronic funds transfer (EFT) or through a third-party payment app such as Venmo® or PayPal®.

    Venmo is a service of PayPal, Inc. Fidelity Investments and PayPal are independent entities and are not legally affiliated.

  • What is Fidelity’s routing number?
    The Fidelity routing number, also known as the ABA number, for electronic funds transfer (EFT) or direct deposit is 101205681. If you’re setting up direct deposit, visit Determine Your Routing and Account Numbers at https://www.fidelity.com/cash-management/deposit-money/determine-routing-and-account-number for more information.
  • How do I set up direct deposit into Fidelity Bloom®?

    To set up direct deposits into a Fidelity Bloom® account, you’ll need to provide your employer with the routing and account numbers of the account you want to the deposits to go into.

    Routing number: Fidelity’s routing (ABA) number for electronic funds transfer (EFT) is 101205681.

    Account number: Your 17-digit Fidelity account number can be located in the app. To find your account number, tap the Save or Spend tile on your home tab, tap the More menu (3 dots) in the top right of the screen, then tap “View account information.” It will appear as 39900000XXXXXXXXX.

    Select “Checking” if your employer asks you to indicate the registration type of the direct deposit account.

    For additional information, visit Determine Your Routing and Account Numbers on Fidelity.com.

Fidelity Bloom® Rewards

  • What is the cents-per-swipe reward in Fidelity Bloom®?

    The Fidelity Bloom® app offers a 10-cent reward for each eligible purchase transaction made using your Fidelity Bloom debit card. The reward is automatically deposited into your Fidelity Bloom Save account.

  • Do I need to enroll to receive the cents-per-swipe reward in Fidelity Bloom®?

    You’re automatically enrolled in the cents-per-swipe reward when you sign up with Fidelity Bloom®.

  • How long will it take to receive the cents-per-swipe reward in Fidelity Bloom®?

    Generally, the cents-per-swipe reward will be deposited into your Fidelity Bloom® Save account in 1–3 business days after your debit card purchase transaction has settled. However, debit card transaction settlement times vary.

  • Can I turn off the cents-per-swipe reward in Fidelity Bloom®?

    Currently, Fidelity Bloom® users are unable to disable the cents-per-swipe reward.

  • Are Fidelity Bloom® rewards taxable?

    Incentives and rewards offered through Fidelity Bloom® are considered taxable income. They may be reported through a consolidated 1099. We encourage you to work with a tax professional to address appropriate tax reporting and treatment relating to this feature.

  • Which transactions are eligible for the cents-per-swipe reward in Fidelity Bloom®?

    Purchase transactions are eligible for the cents-per-swipe reward in Fidelity Bloom®. Ineligible transactions include cash withdrawals, returns, reversals, and adjustments.

  • What is the savings match in Fidelity Bloom®?

    Savings match is one of the ways we celebrate your progress and reward you for saving. You might be familiar with how many employers often match a percentage of your retirement contributions. Similarly, Fidelity Bloom®’s savings match is basically “free money” that rewards your good financial habits!

    Fidelity Bloom offers a limited-time, introductory match of 10% on up to $300 (max of $30) in eligible deposits made to your Fidelity Bloom Save account. Match rewards are deposited to your Fidelity Bloom Save account. They are based on eligible deposits into your Fidelity Bloom Save account in a calendar year and reset annually. Eligible deposits into your Fidelity Bloom Save account include transfers from outside or other Fidelity accounts, cash-back shopping rewards, and Round Up deposits.

  • Who is eligible for the savings match reward in Fidelity Bloom®?

    All Fidelity Bloom® users are automatically eligible to earn the annual savings match reward once you have opened your Save and Spend accounts. (Note that you cannot opt out of this reward.)

    Fidelity Bloom users are unable to opt out of the savings match reward at this time.

  • What types of deposits are eligible to earn a savings match reward in Fidelity Bloom®?

    Generally, any deposits made by you from an external account are eligible, whereas any deposits made by Fidelity Bloom® are ineligible.

    Eligible deposit types include: Recurring deposits; cash-back shopping rewards; Round Up deposits; and one-time transfers into Save from Spend, outside accounts, or any of your other Fidelity accounts.

    Ineligible deposit types include: Cents-per- swipe rewards, cash offers from Fidelity, Fidelity Bloom savings match deposits, referral bonuses, and any deposits into your Spend account.

  • When will I get my cash reward for the savings match in Fidelity Bloom®?

    We distribute a savings match reward each month.

    At the end of each month, we’ll use your settled deposits to calculate how much of the savings match reward you are eligible for. At the beginning of the following month, we’ll automatically deposit those earnings you’re eligible for directly into your Fidelity Bloom® Save account.

    For example, if your Save balance includes $300 in eligible deposits on July 31, you'll receive the maximum reward payout for that calendar year in early August. Any additional deposits made throughout the remainder of that calendar year will not be eligible, because you will have already received the maximum reward for that calendar year.

    If your Save balance includes $100 in eligible deposits on July 31, you'll receive a payout equal to the match percentage on $100 in early August. You can continue to make eligible deposits, and earn rewards on those deposits, until you’ve reached the total maximum reward payment for that calendar year.

    Note that eligible deposits need to be settled in their account in order to be calculated as part of your savings match reward. This can take up to 5 business days, depending on your deposit method. If you cancel the deposit before it settles, it will not count toward your savings match reward earnings.

  • When will I get my cash reward for the savings match in Fidelity Bloom®?

    The initial time frame to earn toward this reward in Fidelity Bloom® is from the day you open your accounts until the end of that same calendar year. The opportunity to earn a savings match reward will then renew each year.

    So, if you open your accounts on July 1, you’ll have from July 1 until December 31 to earn toward your first savings match reward. After that, you’ll have from January 1 until December 3 to earn toward your renewed reward.

  • Where do I need to make deposits to earn toward the savings match reward in Fidelity Bloom®?

    Eligible deposits must be made into your Fidelity Bloom® Save account to count toward your savings match reward earnings.

  • Where will Fidelity deposit my savings match reward earnings in Fidelity Bloom®?

    Fidelity will deposit your cash reward directly into your Fidelity Bloom® Save account.

  • How does the savings match reward work in Fidelity Bloom®?

    We’ll automatically deposit a cash reward worth 5% of your savings, on up to $300 worth of deposits, into your Fidelity Bloom® Save account. The maximum savings match reward you can earn at the 5% rate is $15. This reward renews each year as long as you meet the deposit threshold.

    We’re offering a limited-time, introductory rate of a 10% match The maximum savings match reward you can earn with the 10% rate for 2022 is $30.

  • Can I make multiple deposits that add up to $300 to take advantage of the full match in Fidelity Bloom®?

    You don't have to deposit all $300 at once; you can make multiple deposits to get the full match in Fidelity Bloom®.

  • Why does Fidelity use my settled deposits to calculate my reward in Fidelity Bloom®?

    Only deposits that are settled in your Fidelity Bloom® Save account are used to consider your savings match earnings. A deposit can take up to 5 business days from initiation to settlement, depending on your deposit method. If you cancel a deposit before it settles, it won’t be used to calculate your savings match rewards.

  • What is the Fidelity Bloom® $50 Offer?

    Beginning June 13, 2022, when you open both Fidelity Bloom® Spend and Fidelity Bloom Save accounts, and make a deposit totaling $25 into one or both of them, we’ll deposit a $50 cash reward deposited into your Fidelity Bloom Save account.

    Fidelity reserves the right to modify the terms and conditions or terminate the offer at any time. Other terms and conditions, and eligibility criteria, apply.

  • How do I register for the $50 offer in Fidelity Bloom®?

    To register for the $50 offer, you must first open both a Fidelity Bloom® Spend and a Fidelity Bloom Save account through the Fidelity Bloom mobile app. Then, make an initial deposit of any amount into either account. This will begin your 7-day qualification period.

    To redeem the $50 offer, you have the length of the qualification period (7 calendar days) to deposit a total of $25 minimum from an outside financial institution.

  • Which Fidelity accounts are eligible for the $50 offer in Fidelity Bloom®?

    The following individual accounts are eligible to receive the $25 deposit for the offer: The Fidelity Bloom® Spend Account and the Fidelity Bloom Save Account. Deposits can be made to either account as long as the total deposit amount between the two accounts equals $25 or more. Accounts that are opened with a Fidelity representative or outside of the Fidelity Bloom mobile app are not eligible.

  • Who is eligible for the $50 offer in Fidelity Bloom®?

    Most Fidelity Bloom® customers are eligible to receive the $50 offer. Customers who already have an account at Fidelity are still eligible for the $50 offer, provided they meet the necessary requirements.

    Some individuals may not be eligible, including Fidelity employees, non-US residents, and persons employed by FINRA or a securities organization in a regulatory capacity. The $50 offer is limited to one per customer.

  • How long do I have to earn the $50 Offer in Fidelity Bloom®?

    You have 7 calendar days (qualification period) after you make an initial deposit of any amount to meet the offer eligibility criteria in Fidelity Bloom®.

  • How much do I have to deposit to earn the $50 Offer in Fidelity Bloom®?

    You must deposit a minimum of $25 from an outside financial institution to be eligible for this offer. Your $25 deposit can be split in any amount between your Fidelity Bloom® accounts.

  • Can I redeem the $50 reward more than once in Fidelity Bloom®?

    The $50 offer in Fidelity Bloom® is limited to one offer per customer.

  • How do I fund my account to make sure I receive the $50 offer in Fidelity Bloom®?

    When you open your Fidelity Bloom® accounts, we’ll ask you how you’d like to add funds. You can link a bank account to initiate an electronic funds transfer (EFT).

  • How much time do I have to fund my accounts to receive the $50 offer in Fidelity Bloom®?

    You’ll have 7 calendar days after your initial deposit (qualification period) to fund your accounts with a minimum of $25. Your $25 minimum deposit can be split in any amount between either of your Fidelity Bloom® accounts.

  • When will I receive my reward for the $50 offer in Fidelity Bloom®?

    We’ll deposit $50 into your Fidelity Bloom® Save account within 10 calendar days after you meet the eligibility requirements.

    As a reminder, to be eligible for the $50 offer, you’ll have 7 calendar days after your initial deposit of any amount (qualification period) to fund your accounts with a minimum of $25. Your $25 minimum deposit can be split in any amount between your Fidelity Bloom accounts.

    The total time from becoming eligible for the offer to receiving your cash reward may take up to 17 calendar days.

  • Do I have to keep my cash reward for the $50 offer at Fidelity in Fidelity Bloom®?

    You do not need to keep your cash reward for the $50 offer in Fidelity Bloom® in a Fidelity account. Once the reward is deposited, it is yours to save, spend, or invest however and wherever you wish.

Fidelity Bloom® Holiday Bonus

  • What is the cents-per-swipe holiday bonus?
    The Fidelity Bloom® cents-per-swipe holiday bonus is a limited-time offer for Fidelity Bloom debit card users. From November 1, 2022, through January 31, 2023, users will receive $1 for eligible transactions over $10, replacing the typical 10 cents-per-swipe reward associated with the debit card. This holiday bonus is automatically deposited into your Fidelity Bloom Save account.

    Due to debit card shipping delays related to high volumes, expect to receive your debit card about 2-3 weeks after opening your account. Offer valid for accounts opened on or before January 3, 2023.
  • Who is eligible for the cents-per-swipe holiday bonus?
    All Fidelity Bloom® users are eligible and automatically enrolled in the cents-per-swipe holiday bonus, which will be offered from November 1, 2022, through January 31, 2023.

    Due to debit card shipping delays related to high volumes, expect to receive your debit card about 2-3 weeks after opening your account. Offer valid for accounts opened on or before January 3, 2023.
  • How does the cents-per-swipe holiday bonus work?
    From November 1, 2022, through January 31, 2023, Fidelity Bloom® users will automatically receive $1 for eligible transactions over $10 when using the debit card. The cents-per-swipe holiday bonus reward will be automatically deposited into your Fidelity Bloom Save account.

    Due to debit card shipping delays related to high volumes, expect to receive your debit card about 2-3 weeks after opening your account. Offer valid for accounts opened on or before January 3, 2023.
  • Is there a limit to how much I can earn through the cents-per-swipe holiday bonus reward?
    Fidelity Bloom® users can earn up to $50 through the cents-per-swipe holiday bonus reward offer. After users have earned $50 through this offer, the cents-per-swipe reward will return to its original amount of $0.10 per swipe. This offer is available to users from November 1, 2022, through January 31, 2023.

    Due to debit card shipping delays related to high volumes, expect to receive your debit card about 2-3 weeks after opening your account. Offer valid for accounts opened on or before January 3, 2023.
  • How long will it take to receive the cents-per-swipe holiday bonus?
    Generally, the cents-per-swipe holiday bonus will be deposited into your Fidelity Bloom® Save account in 1-3 business days after your debit card purchase transaction has settled. However, debit card transaction settlement times vary. This offer is only available for transactions completed November 1, 2022, through January 31, 2023.

    Due to debit card shipping delays related to high volumes, expect to receive your debit card about 2-3 weeks after opening your account. Offer valid for accounts opened on or before January 3, 2023.
  • How long am I eligible for the cents-per-swipe holiday bonus reward?
    This Fidelity Bloom® cents-per-swipe holiday bonus reward offer is available from November 1, 2022, through January 31, 2023. Users will be automatically enrolled for this bonus.

    Due to debit card shipping delays related to high volumes, expect to receive your debit card about 2-3 weeks after opening your account. Offer valid for accounts opened on or before January 3, 2023.

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