Mobile Check Deposit FAQs

  • What types of Fidelity accounts are eligible?

    Most Fidelity brokerage accounts and IRAs are eligible to use with Mobile Check Deposit. Your eligible accounts are listed in the account selection menu on the "Deposit a Check" screen.

  • Can I use the service to deposit checks into an IRA?

    Yes, you can deposit checks into any of these IRAs:

    • Traditional
    • Roth
    • Roth IRA for Minors
    • Traditional Rollover
    • Roth Rollover
    • SEP (Simplified Employee Pension Plan)

    Is there a limit to how much I can contribute to my IRA?

    Yes; here are the IRA contribution limits for 2016.

    Traditional or Roth IRA

    You can contribute up to $5,500 each year. If you’re age 50 or older, you can add an additional $1,000 for a yearly total of $6,500.

    SEP IRAs

    Employers can make SEP contributions up to $53,000 each year.

  • Can I use the service to fund a new account?

    Yes, you can fund many new accounts. You'll see a list of eligible accounts in the app.

  • Can I pay Portfolio Advisory Service® or other Fidelity managed account fees using mobile check deposit?

    Unfortunately, not at this time. All checks for advisory fees must be mailed to Fidelity at one of the following addresses:

    U.S. Mail:
      Fidelity Investments
      PO Box 5000
      Cincinnati, OH 45273-8617

    Overnight/Certified Mail:
      Fidelity Investments
      100 Crosby Parkway
      KC1K, OSG Prep PAS Fees
      Covington, KY 41015

  • What types of checks are accepted?

    Generally, you may deposit the same types of checks that you deposit in the mail or at an Investor Center. We will only accept checks that are made payable to Fidelity Brokerage Services LLC or to one or more account owners. The types of checks that we will accept through this service include:

    • Personal checks
    • Cashier's or bank checks
    • Certified checks
    • Federal Reserve checks
    • U.S. Treasury checks
    • Business checks
    • Institutional checks, such as those issued from a workplace retirement plan, e.g., 401k plan
  • Are there any types of checks that are not accepted?

    Fidelity will not accept the following check types through this service:

    • Checks made payable to cash
    • Altered checks
    • Checks in a foreign currency or drawn on a foreign bank
    • Post-dated checks
    • Stale-dated checks (generally, checks dated more than 180 days prior to receipt)
    • Unsigned checks
    • Money orders
    • Third-party checks
    • Traveler’s checks
    • Starter kit checks
  • Do I need to endorse my check?

    Institutional checks do not need to be endorsed and should be payable to Fidelity Management Trust Company (FMTC)/FBO [account holder's name].

    Other checks deposited through the service should be endorsed "For Deposit Only to my Fidelity Account." Additionally, checks made payable to Fidelity account owner(s) should be endorsed with the payee signature(s). We can also accept checks endorsed and payable to National Financial Services (NFS)/ FBO [account holder's name].

  • Are there restrictions on the amount of money that can be deposited?

    For most accounts, there is a maximum amount you can contribute each day. You will be presented with this information as you proceed with your deposit. For retirement accounts, we'll present both prior and current year contribution limits. There are no maximum limits for rollover transactions.

  • Why am I required to enroll in the email alert for a rejected Mobile Check Deposit?

    The alert ensures that you are notified if we are unable to process your deposit.

  • What should I do with the check after I complete my deposit?

    We recommend you save the check(s) until you have confirmed that the deposit has been successfully credited to your account. Deposits that have been successfully credited will appear in Account History as Check Received. Once the deposit is successfully credited to your account, you must properly safeguard the paper check to ensure that it is not presented for payment more than once.

  • When will I see my deposit posted to my account?

    Generally, deposits submitted on a business day prior to 4:00 p.m. ET and determined to be in good order will be posted that day. Check deposits are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays.

  • When will I have access to my funds?

    Deposits are generally available for withdrawal or to purchase securities online within 4 business days. Your confirmation will indicate the availability of funds for your specific account.

  • I completed a deposit but I don’t see it in my account history. What should I do?

    Check the Pending Transfers tab on the Account History page. Deposits listed with a status of Pending are under review. A status of Rejected indicates an issue with your deposit. Please see below for additional information on rejected deposits.

  • What if my check is not accepted?

    The following issues may prevent a check from being accepted once the photo is taken:

    Error message Action
    Unable to read check Please retake the photo. Make sure there is a dark, contrasting background. If you receive this message again, please mail your check to:
    Fidelity Investments
    PO Box 770001
    Cincinnati, OH 45277-0003
    Missing endorsement Please make sure the check is endorsed and then try again.
    Duplicate check No action required. This check has already been submitted for deposit.
    Focus of image The photo is too blurry. Please retake the photo.
    MICR confidence  We were unable to read the numbers at the bottom of the check. Please retake the photo.
    Two front images You submitted two photos of the front of the check. Please submit photos of both the front and the back.
  • What should I do if my deposit is rejected?

    Try resubmitting it after making the appropriate corrections.

    Error message To complete your deposit
    The front of the check is not signed. Please have the front of the check signed and resubmit it. For more information on endorsing checks, please see the FAQ Do I need to endorse my check?
    Please ensure account information such as the account number matches what’s indicated on the check. Please ensure the information provided matches what is written on the check and then resubmit your deposit.
    Only certain check types can be deposited into certain retirement accounts. For more information on accepted check types, please see Can I use the service to deposit checks into an IRA?
    Please ensure the amount entered matches the amount on the check. Please ensure the amount entered matches what is listed on your check, then resubmit your deposit.
    We are unable to read the banking information at the bottom of the check. Try resubmitting your check. If you receive this message multiple times, please mail your deposit to:
    Fidelity Investments
    P.O. Box 770001
    Cincinnati, OH, 45277-0003
    This check requires multiple signatures on the back of the check. Please obtain the missing endorsements to match all account owners listed on the Payee Line and resubmit this check. For more information on endorsing checks, please see the FAQ Do I need to endorse my check?
    Please obtain the missing or correct endorsement on the back of the check. Once you have corrected this issue, resubmit this check. If check cannot be corrected, please submit a new check.  For more information on endorsing checks, please see the FAQ Do I need to endorse my check?
    Checks must made payable to Fidelity Brokerage Services LLC or to the Fidelity account owner. Once you have corrected this issue, you may resubmit this check. If check cannot be corrected, please submit a new check.
    The check image was not legible. We were unable to read the banking information and could not process the deposit. Please resubmit this check. If you receive this message multiple times, please mail your check to:
    Fidelity Investments 
    P.O. Box 770001
    Cincinnati, OH, 45277-0003
    Checks cannot be deposited before the indicated date. Please resubmit when the date on the check is current. More information on accepted check types can be found in our FAQ Are there any types of checks that are not accepted?
    We are unable to accept duplicate checks. We cannot accept checks that have been previously deposited. Please submit a new check.
    The check must be payable to a valid account owner or beneficiary. We can only accept checks made payable to Fidelity Brokerage Services LLC, the Fidelity account owner's name, or the beneficiary's name. Please submit a new check. For more information on accepted payees, please see the FAQ Do I need to endorse my check?
    The check must be payable to all trustees on the registration of this account. We can only accept checks made payable to Fidelity Brokerage Services LLC or to all trustees listed on the registration of this account. Please submit a new check.
    We cannot accept fee payments via Fidelity Mobile Check Deposit. Please submit your fee payment with the payment stub to:
    Fidelity Investments 
    P.O. Box 770001 
    Cincinnati OH, 45277-0003

    If your fee payment is for a Fidelity managed account, please mail your check to:
    Fidelity Investments
    P.O. Box 5000
    Cincinnati OH, 45273-8617.
    We cannot accept checks with different written and numeric amounts. Please submit a new check.
    We were unable to process your deposit.

    Please mail the check to: 
    Fidelity Investments
    P.O. Box 770001
    Cincinnati OH, 45277-0003

    If your check is rejected for any of the following reasons, a new check may be required.

    Error message Action
    We're unable to accept checks made payable to cash. Please submit a new check made payable to Fidelity Brokerage Services LLC or to the Fidelity account owner's name. For more information on accepted check types, please the FAQ Are there any types of checks that are not accepted?
    We're unable to accept checks that require activation codes Please submit a new check without an activation code made payable to Fidelity Brokerage Services LLC or to the Fidelity account owner's name. For more information on accepted check types, please see the FAQ Are there any types of checks that are not accepted?
    We're unable to accept foreign checks Please submit a new check. More information on accepted check types can be found in our FAQ Are there any types of checks that are not accepted?
    The amount of the check must also be spelled out in English. Please submit a corrected check.
    We can only accept checks made payable to Fidelity Brokerage Services LLC or to the Fidelity account owner. Please submit a new check made payable to Fidelity Brokerage Services LLC or to the Fidelity account owner. For more information on accepted payees, please see the FAQ Do I need to endorse my check?
    We're unable to accept non-negotiable items. For a list of accepted check types, please see the FAQ Are there any types of checks that are not accepted?
    We're unable to accept checks issued more than 180 days prior to the date of deposit. Please submit a new check. For more information on accepted check types, please the FAQ Are there any types of checks that are not accepted?
  • If I need to mail a deposit, what address should I use?

    For Rollover checks, please use this address:

      Fidelity Investments
      ATTN: Direct Rollovers
      PO Box 770001
      Cincinnati, OH 45277-0037

    All other check deposits can be mailed using one of the following addresses:

    U.S. Mail:
      Fidelity Investments
      PO Box 770001
      Cincinnati, OH 45277-0003

    Overnight/Certified Mail:
      Fidelity Investments
      100 Crosby Parkway, KC1H
      Covington, KY 41015

  • Are the check photos stored anywhere on my mobile device?

    No, the photos are not stored on your device.