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.

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.

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.

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.

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.

By using brokerage accounts, we’re able to place your cash in low-risk money market mutual funds which have historically outperformed traditional savings accounts.

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.

Fidelity Bloom^® uses the core position of your brokerage accounts—which defaults to a money market fund and 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.

The accounts in Fidelity Bloom^® are brokerage accounts that default to a money market fund. Money market funds are subject to rates that can change and provide a yield on the balances in those accounts. To see the latest rates, visit fidelity.com/mutual-funds/fidelity-funds/money-market-funds-fcash

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.

The information you share during an emotional check-in in Fidelity Bloom^® is just for you. These details help you to reflect on how you were feeling about your finances when you shared your emotions. These notes will not be shared and are not monitored by Fidelity Bloom.

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.

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”). 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.

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."

The Fidelity Bloom^® debit card includes transaction alerts, card locks, and fraud text alerts. To sign up for fraud alerts, visit Fidelity.com/cash-management/help-center/debit-card/alerts.

To learn more about debit card security, visit Fidelity.com/cash-management/help-center/debit-card/security.

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

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.

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."

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.

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.

Fidelity Bloom^® Shopping (located via the Shopping icon in the navigation menu) lets you earn cash-back rewards when you purchase selected products from more than 1,000 retailers.

This feature is supported through a third-party vendor. Shopping is completed through third-party websites and subject to those websites’ privacy policies.

Cash-back rewards in Fidelity Bloom^® typically post within 60 days of the purchase.

If your cash-back rewards don't post to the designated account after this period, please contact us (Fidelity.bloom@fmr.com).

Fidelity Bloom^® understands that sometimes spending is necessary. To alleviate inevitable purchases, you can earn cash back deposited directly into your Fidelity Bloom Save account, take advantage of your favorite brands' discounts and specials, and compare thousands of products on a single website.

All Fidelity Bloom^® users are eligible for Shopping rewards.

When you click on a retailer or offer through Shopping, Fidelity Bloom^® sends a notice to the retailer. If you make a purchase from them, the retailer sends a notice to Fidelity Bloom, and we give you cash back for the purchase.

Fidelity Bloom^® receives product data from retailers daily. We make every effort to post current pricing information; however, product pricing is subject to change and is at the discretion of the retailer.

You can search for each retailer by name in Fidelity Bloom^® to view their terms and conditions.

In Fidelity Bloom^® in-app Shopping, "Up to" refers to the maximum possible reward rate you can earn on your transaction. Reward rates vary by retailer and category, and are subject to change. Click on Select a retailer to view current reward rates. Note that retailer exclusions and disclaimers will apply to your transaction. The retailer will categorize your purchase and reward you accordingly.

You earn cash-back rewards when you purchase products through the Shopping tab in the Fidelity Bloom^® app or through the Fidelity Bloom Shopping browser extension.

When you complete a purchase from a retailer within Shopping, your cash-back reward is deposited into your Fidelity Bloom^® Save account, generally within 60 days.

The retailer's information page details the cash-back rewards you can earn. Cash-back rewards are calculated on the retailer’s reward rate and the amount spent.

Fidelity Bloom^® does not guarantee a specific cash-back reward rate. Cash-back reward rates can change daily.

In order to receive cash-back rewards from Fidelity Bloom^®, you must shop through the Fidelity Bloom app or Fidelity Bloom Shopping browser extension.

Purchases made outside of Fidelity Bloom^® app or Fidelity Bloom Shopping browser extension are not eligible to earn cash-back rewards.

Some retailers in Fidelity Bloom^® don't offer cash-back rewards on all their products and services, such as gift certificates or refurbished items. In addition, some manufacturers prevent retailers from rewarding specific products.

Note: For details about a specific retailer’s terms and conditions, search for the retailer by name within Shopping.

Using a coupon code not displayed in Shopping in Fidelity Bloom^® will make your purchase ineligible for cash-back rewards. When a Shopping retailer requires a coupon code, it will be provided within Shopping.

Cash-back rewards in Fidelity Bloom^® are calculated based on the subtotal, exclusive of shipping fees and taxes. Visit the “Free shipping” section of Shopping to view free shipping offers.

The more you shop in Fidelity Bloom^®, the more you can earn. As a reminder, you can’t earn rewards on taxes, special handling charges, freight or shipping costs, or any unshipped or returned products. Refer to the retailer offer page for complete information regarding eligible purchases for each retailer.

Fidelity Bloom^® is continually trying to find the best retailers. From time to time, the available retailers may change. If there is a particular retailer that you would like to shop with, please contact us (Fidelity.bloom@fmr.com) with your comments.

Contact the retailer from whom you made your purchase.

Note: Fidelity Bloom^® Shopping and participating stores are separate entities. We don’t know anything about your purchases other than the rewards earned.

The rewards for your Shopping purchases will appear in your Fidelity Bloom^® Save account and on the Fidelity Bloom Rewards summary once they’re processed.

Cash-back rewards can take up to 90 days to post. They may appear as multiple postings for several reasons, including shipping in separate packages. If you still don’t see the correct amount credited to your Fidelity Bloom^® Save account after 90 days, please contact Fidelity Bloom.

You’ll keep your cash-back rewards once they settle (are no longer pending) in Fidelity Bloom^®, even if you return the purchase.

The Fidelity Bloom^® Shopping: Cash-Back Rewards button is a browser extension available through Google Chrome that allows you to shop and earn cash back at 1,100+ retailers. The button will alert you to available rewards when you are visiting the retailer's site. Reward rates will also be displayed directly in your Google search results for easy comparisons between retailers. You must be a Fidelity Bloom customer to earn rewards.

Challenges are short educational and interactive activities offered through the Fidelity Bloom^® app. They’re designed to help you build habits to spend and save more mindfully so that you can improve your relationship with money. They'll introduce reachable, practical steps you can take with your money to save—and feel—better.

There is no cash reward for completing Challenges or Bootcamps in Fidelity Bloom^®.

Fidelity Bloom^® does not currently offer a way to share your progress with others.

Bootcamps are collections of Challenges in Fidelity Bloom^®. A bootcamp encourages you to explore Challenges that have a similar topic or can help you to build related skills that you can apply in your everyday life.

Within each Bootcamp in Fidelity Bloom^®, users will see the total number of included Challenges, as well as those already completed. You are encouraged to complete all included Challenges within a Bootcamp.

There is no cash reward for completing Challenges or Bootcamps in Fidelity Bloom^®.

Your Challenge Completion Streak keeps track of the consecutive weeks you've completed a Challenge in Fidelity Bloom^®. To maintain your streak, take at least one Challenge each week. The activity week begins on Monday at 12:00 a.m. ET and ends on Sunday at 11:59 p.m. ET. If you miss a week, your streak will reset and you'll be able to begin tracking your progress again the next time you complete a Challenge. There is no monetary reward for a streak.

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.

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.

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.

Your money is available to spend in up to 6 business days using electronic funds transfer (EFT) in Fidelity Bloom^® due to additional fraud protection.

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.

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

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.

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.

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.

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.

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

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

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.

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

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 an annual 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.

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.

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.

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.

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 31 to earn toward your renewed reward.

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

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

You don't have to deposit all $300 at once; you can make multiple deposits to get the full match 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 6 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.

When you open both Fidelity Bloom^® Spend and Fidelity Bloom Save accounts, and make your initial deposits equal to at least $50 into one or both of them, we’ll deposit a $100 cash reward into your Fidelity Bloom Save account so long as your initial deposit is made by the close of business on December 11, 2023 and any multiple deposits are made within 7 calendar days of your initial deposit. 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.

To register for the Account Opening Introductory 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. by the close of business on December 11, 2023. This will begin your 7-day qualification period.

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

Fidelity Bloom^® Spend Account and Fidelity Bloom Save Account are eligible for the offer. Deposits can be made to either account as long as the total deposit amount between the two accounts equals $50 or more, the initial deposit was made by the close of business on December 11, 2023 and the deposits are made within 7 calendar days of your initial deposit. Accounts that are opened with a Fidelity representative or outside of the Fidelity Bloom app are not eligible.

New Fidelity Bloom^® customers must deposit a total of $50 in their Fidelity Bloom Spend and/or Save accounts to receive the $100 reward. The initial deposit must be made by the close of business on December 11, 2023, to be eligible to receive the $100. Customers who already have an account at Fidelity are still eligible for the $100 reward, 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 Account Opening Introductory $100 offer is limited to one per customer.

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^® All initial deposits must be made by the close of business on December 11, 2023..

You must make a “net deposit” of $50 from an outside financial institution for your qualifying deposit to be eligible for this offer. “Net deposits” shall mean total external deposits or transfers (including cash) minus assets withdrawn or transferred out of the accounts within the 7-day qualification period.

Your $50 deposit can be split in any amount between your Fidelity Bloom^® accounts so long as they are made within 7 calendar days of your initial deposit and your initial deposit is made by the close of business on December 11, 2023.

The Account Opening Introductory offer in Fidelity Bloom^® is limited to one offer per customer.

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).

You’ll have 7 calendar days after your initial deposit (qualification period) to fund your accounts with a minimum of $50. Your $50 minimum deposit can be split in any amount between either of your Fidelity Bloom^® accounts. All initial deposits must be made by the close of business on December 11, 2023.

We’ll deposit $100 into your Fidelity Bloom^® Save account within 10 calendar days after you meet the eligibility requirements.

As a reminder, to be eligible for the Account Opening Introductory offer, you’ll have 7 calendar days after your initial deposit of any amount (qualification period) to fund your accounts with a minimum of $50. Your $50 minimum deposit can be split in any amount between your Fidelity Bloom accounts. Your initial deposit must be made by the close of business on December 11, 2023.

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

You do not need to keep your cash reward for the Account Opening Introductory 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.

You can view your transactions from within the Fidelity Bloom^® app. On your home screen, you’ll see a list of transactions broken down into pending and settled transactions. Tap any transaction for more detail.

If you have transactions that involve securities outside of your core account, you may view these transactions on Fidelity.com.

To see a breakdown of your rewards and earnings in Fidelity Bloom^®, tap the Rewards tile on your home screen.

Transactions can be viewed on your Fidelity Bloom^® Save and Spend account screens. Tap the “Save” or “Spend” tiles from the home screen to view a detailed list of your transactions.

Your current Fidelity Bloom^® Spend balance is displayed under “Cash available” at the top of your Spend home screen.

Your current Fidelity Bloom^® Save balance is displayed under “Cash available” at the top of your Save home screen.

The gift card cash exchange in Fidelity Bloom^® works with CardCash to exchange your unwanted gift cards into cash that can be deposited directly into your Fidelity Bloom® Save account.

All Fidelity Bloom^® users are eligible to use the gift card cash exchange within the app.

You can use the gift card cash exchange to exchange unwanted, unexpired gift cards into cash that will be deposited directly into your Fidelity Bloom^® Save account. You will receive a cash amount as determined by the gift card vendor in exchange for your gift card.

If you still have questions about the Fidelity Bloom^® gift card cash exchange and CardCash, please visit fidelitybloom.cardcash.com/faq