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Open an Account

It's easy—opening your new account takes just minutes.

Investing and trading

Saving for retirement

Compare Roth and Traditional IRAs.

Saving for education

Managed accounts6


See all accounts.

Questions?

Transferring assets?

To transfer assets from another firm, first open a compatible Fidelity account.

Resources

Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs in a Fidelity brokerage account. Fidelity accounts may require minimum balances. The sale of ETFs is subject to an activity assessment fee (of between $0.01 to $0.03 per $1,000 of principal). iShares ETFs and Fidelity ETFs are subject to a short-term trading fee by Fidelity if held less than 30 days. ETFs are subject to management fees and other expenses.
This site is for U.S. residents with a valid U.S. address. Not a U.S. resident? Visit our International Investment site.
1. BlackRock ETP Global Landscape Report 1/31/2013. Based on number of ETFs, AUM, and market share.
2. For iShares ETFs, Fidelity receives compensation from the ETF sponsor and/or its affiliates in connection with an exclusive, long-term marketing program that includes promotion of iShares ETFs and inclusion of iShares funds in certain FBS platforms and investment programs. Additional information about the sources, amounts, and terms of compensation is described in the ETF's prospectus and related documents. Fidelity may add or waive commissions on ETFs without prior notice. BlackRock and iShares are registered trademarks of BlackRock, Inc. and its affiliates.
3. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
4. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Visa® Gold Check Card linked to your account 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 from the account. Please note that there is a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Visa® Gold Check Card is issued by PNC Bank, N.A., and the check card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
5. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC Web site at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
6. Fidelity Portfolio Advisory Service®, BlackRock® Diversified Income Portfolio and Fidelity® Strategic Disciplines are services offered through Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments Company. Fidelity® Personalized Portfolios may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., Fidelity Personal Trust Company, FSB ("FPTC"), a federal savings bank, or Fidelity Management Trust Company ("FMTC"). Non-deposit investment products and trust services offered through FPTC and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. These services provide discretionary money management for a fee.
Brokerage services are provided by Fidelity Brokerage Services LLC. Custody and other services are provided by National Financial Services LLC. Both are Fidelity Investments companies and Members of NYSE and SIPC.
*System availability and response times may be subject to market conditions.
All customer ratings and reviews are provided to Fidelity on a voluntary basis and are screened in accordance with the guidelines set forth in our Customer Ratings and Reviews Terms of Use. For additional information on which ratings and reviews may be posted, please refer to our Customer Ratings and Reviews Terms of Use. Featured reviews have been selected based on subjective criteria and have been reviewed by Fidelity Investments. The average rating is determined by calculating the mathematical average of all ratings that are approved for posting per the Customer Ratings and Reviews Terms of Use and does not include any ratings that did not meet the guidelines and were therefore not posted. Ratings and reviews are added continuously to the website (after a delay for screening against guidelines) and average ratings are updated dynamically as reviews are added or removed.
The ratings and experiences of customers may not be representative of the experiences of all customers or investors and is not indicative of future success. The accuracy of information included in the customer ratings and reviews cannot be guaranteed by Fidelity Investments. Customers who post ratings may be responsible for disclosing whether they have a financial interest or conflict in submitting a rating and review.
Please contact a Fidelity representative if you have additional questions or concerns about the ratings and reviews posted here.

For information regarding how Fidelity representatives are compensated, view Fidelity Representatives' Compensation Disclosure (PDF).

Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

Before investing, consider the investment objectives, risks, charges, and expenses of the fund, 529 plan or annuity and its investment options. Contact Fidelity for a prospectus or fact kit or, if available, a summary prospectus containing this information. Read it carefully.

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401(k) Rollover to IRA

Fidelity makes rolling over an old retirement savings plan from a former employer easy for you.

Why roll over your account now

  • Potential tax-deferred savings growth
  • Easy to track and manage investments when you consolidate
  • Penalty-free withdrawals for qualifying first-time home purchase or educational expenses if you're under age 59½

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, ETFs, and FDIC-insured CDs3
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan

View more details about Rollover IRAs.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
3. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see www.fdic.gov.
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Traditional IRA

With a Traditional IRA, you make contributions with money you may be able to deduct on your tax return. Any earnings potentially grow tax-deferred until you withdraw them in retirement.

Account benefits

  • Potential tax-deferred savings growth and tax-deductible contributions (depending on income)
  • No $2,500 minimum if you make automatic contributions from your bank account
  • Many easy ways to make contributions to your account, including transferring funds from your bank or other financial institution, direct deposit, check, or mobile check scan using your iPad®, iPhone®, or Android™ device

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, ETFs, and FDIC-insured CDs3
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible accounts.4

What you should know

  • Often a good choice for investors with earned income who are under age 70½ and looking to save for retirement
  • $5,500 maximum contribution for 2013 and 2014 ($6,500 if you’re 50 or older)5
  • Minimum required distributions starting at age 70½

View more details about Traditional IRAs.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.
1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
3. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see www.fdic.gov.
4. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
5. For a Traditional IRA, full deductibility of a contribution for 2013 is available to active participants whose 2013 Modified Adjusted Gross Income (MAGI) is $95,000 or less (joint) and $59,000 or less (single); partial deductibility for MAGI up to $115,000 (joint) and $69,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses who are not covered by an employer-sponsored plan whose MAGI is less than $178,000 for 2013; partial deductibility for MAGI up to $188,000. For 2014 full deductibility of a contribution is available to active participants whose 2014 Modified Adjusted Gross Income (MAGI) is $96,000 or less (joint) and $60,000 or less (single); partial deductibility for MAGI up to $116,000 (joint) and $70,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses who are not covered by an employer-sponsored plan whose MAGI is less than $181,000 for 2014; partial deductibility for MAGI up to $191,000.
Third-party trademarks appearing herein are the property of their respective owners. All other trademarks are the property of FMR LLC.
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Roth IRA

With a Roth IRA, you make contributions with money on which you've already paid taxes. Your money can then potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met.1

Account benefits

  • Potential tax-free growth for after-tax contributions, with tax-free withdrawals in retirement
  • No minimum required distributions in retirement during the lifetime of the original owner
  • No $2,500 minimum when you make automatic contributions from your bank account
  • Many easy ways to make contributions to your account, including transferring funds from a bank or other financial firm, direct deposit, check, or mobile check scan using your iPad®, iPhone®, or Android™ device

Why Fidelity

  • Only $7.95 for online U.S. equity trades,2 lower than Schwab, TD Ameritrade, and E*Trade3
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, ETFs, and FDIC-insured CDs4
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible accounts.5

What you should know

  • Maximum contribution of $5,500 for 2013 and 2014 ($6,500 if you're 50 or older)
  • Designed for investors 18 and older who meet the Roth IRA income limits:
    • 2013 income limit for single filers of $112,000 ($127,000 for a partial contribution); for joint filers, $178,000 ($188,000 for a partial contribution)
    • 2014 income limit for single filers of $114,000 ($129,000 for a partial contribution); for joint filers, $181,000 ($191,000 for a partial contribution)

View more details about Roth IRAs.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.
1. A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.
2. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
3. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
4. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see www.fdic.gov.
5. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
Third-party trademarks appearing herein are the property of their respective owners. All other trademarks are the property of FMR LLC.
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The Fidelity Account®

This full-featured, low-cost brokerage account can meet your needs while you grow as an investor.

The Fidelity Account advantage

  • No annual account fees
  • Advanced trading platform and tools for Active Traders1 and free, independent research from more than 20 providers2
  • Only $2,500 minimum—and many easy ways to deposit money in your account, including transferring funds from your bank or another brokerage institution, direct deposit, and check deposit
  • International investing in 25 markets and 16 currencies
  • Mobile trading applications to help you keep up with the market and your portfolio

Why Fidelity

  • Only $7.95 for online U.S. equity trades,3 lower than Schwab, TD Ameritrade, and E*Trade4
  • Fidelity's commitment to execution quality, including our 1-Second Execution Guarantee
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs5
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Access to knowledgeable representatives
  • More than 150 Investor Centers

View more details about the Fidelity Account®.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.
1. Fidelity Active Trader Pro PlatformsSM are available to customers trading 36 times or more in a rolling twelve-month period; customers who trade 120 times or more have access to Recognia anticipated events and Elliott Wave analysis.
2. Fidelity brokerage account required for access to research reports. Minimum opening balance of $2500 is required.
3. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
4. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
5. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see www.fdic.gov.
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The Fidelity® Cash Management Account

The Fidelity® Cash Management Account is a convenient way to save, spend, and manage your cash. With deposits eligible for FDIC insurance coverage, it has all the features you need from a traditional checking account, without the bank.

Save, spend, and manage your cash

  • No annual account fees, no minimum deposit or balance
  • All ATM fees reimbursed—at more than 1 million ATMs nationwide1
  • Account Dashboard to view your cash balances and transactions, pay bills, transfer money and more, all from one secure place
  • Deposits eligible for FDIC insurance2
  • Interest earned on uninvested cash, which is eligible for FDIC insurance coverage up to $1,250,000—five times more than the typical bank3
  • Easy cash management features, including:
    • Free mobile check deposit
    • Free Fidelity BillPay®
    • Free unlimited checkwriting
    • Electronic funds transfers
    • Direct deposit

Why Fidelity

  • Our Fidelity® Cash Management Account, ranked as an industry-leading4 alternative to traditional checking5
  • Customizable alerts that remind you to invest excess cash or link to other Fidelity accounts for self-funded overdraft protection
  • Remote check deposit and remote bill paying with Fidelity Mobile® apps
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible Fidelity accounts.6

View more details about the Fidelity® Cash Management Account.

1. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your account, at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to your Fidelity Cash Management Account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity Visa® Gold Check Card is issued by PNC Bank, NA and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments. The third party trademarks appearing herein are the property of their respective owners.
2. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC website at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
3. The Fidelity® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).
4. SmartMoney Annual Broker Survey, SmartMoney magazine, June 2010, 2011, and 2012.
5. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
6. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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The Fidelity Account® Plus Fidelity® Cash Management Account

Open the Fidelity Account® with a Fidelity® Cash Management Account1—a convenient alternative to traditional checking. You'll enjoy all the benefits of our low-cost brokerage account and take control of your cash.

Why the Fidelity Account®

  • No annual account fees
  • Only $7.95 for online U.S. equity trades,2 lower than Schwab, TD Ameritrade, and E*Trade3
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs4
  • Advanced trading platform5 and tools for Active Traders and free, independent research from more than 20 providers6
  • Fidelity's commitment to execution quality, including our 1-Second Execution Guarantee7
  • International investing in 25 markets and 16 currencies
  • Mobile trading applications to help you keep up with the market and your portfolio

Why the Fidelity® Cash Management Account

  • No annual account fees, minimum deposit or balance
  • All ATM fees reimbursed—at more than 1 million ATMs nationwide8
  • Deposits eligible for FDIC insurance9
  • Interest earned on uninvested cash, which is eligible for FDIC insurance coverage up to $1,250,000—five times more than the typical bank10
  • Account Dashboard, mobile check deposit, Fidelity BillPay®, and unlimited checkwriting; plus electronic funds transfers, direct deposit, and more

Why Fidelity

  • Access to knowledgeable representatives
  • More than 150 Investor Centers
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible Fidelity accounts.11

View more details about the Fidelity Account® plus Fidelity® Cash Management Account.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.
1. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
2. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
3. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
4. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see www.fdic.gov.
5. Fidelity Active Trader Pro PlatformsSM are available to customers trading 36 times or more in a rolling twelve-month period; customers who trade 120 times or more have access to Recognia anticipated events and Elliott Wave analysis.
6. Fidelity brokerage account required for access to research reports. Minimum opening balance of $2500 is required.
7. Fidelity will waive the commission charge on eligible stock trades not executed within one second. Offer limited to market orders between 1 and 1000 shares to buy, sell, or buy to cover stocks listed in the S&P 500® Index. Orders must be entered between 9:45 a.m. and 3:59 p.m. ET on a day when the equity markets are open and times will be adjusted when the markets open late/close early. Execution speed is calculated from the time Fidelity accepts the order to the time of execution reported to Fidelity by the executing market center. Eligible orders can be entered on Fidelity.com, Fidelity Active Trader Pro®, FAST®, wireless devices, or through a Fidelity Representative. Short sales, extended hours orders, directed trade orders, and certain other orders excluded. Certain market and systems conditions may impact qualification for this guarantee. Fidelity reserves the right to restrict or revoke this offer at any time.
8. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your account, at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to your Fidelity Cash Management Account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity Visa® Gold Check Card is issued by PNC Bank, NA and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments. The third party trademarks appearing herein are the property of their respective owners.
9. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC Web site at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
10. The Fidelity® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).
11. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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529 College Savings Account

529 plans are flexible, tax-advantaged accounts designed specifically for college savings. Invest in any state’s plan, and use the funds at most accredited schools nationwide.

Account benefits

  • No annual account fee—and no income restrictions
  • Only $50 minimum to open—or $15/month with automatic contributions from your bank account
  • High maximum contribution limits
  • Tools to help you calculate college costs and customize a savings strategy
  • College savings representatives to assist you with your needs

Why Fidelity

  • Wide variety of investment options, including:
    • 24 age-based portfolios that automatically reallocate over time as the beneficiary nears college age; your choice of three types of funds, including Fidelity Funds, Multi-Firm Funds, and Fidelity Index Funds
    • 6 static portfolios that do not reallocate
    • 5 individual fund portfolios that invest in a single mutual fund
    • 1 bank deposit portfolio1 comprised exclusively of a deposit in an FDIC-insured interest-bearing bank account
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible accounts.2

View more details about 529 plans.

1. Although the underlying deposits are eligible for FDIC insurance, subject to applicable federal deposit insurance limits, the Units of the Bank Deposit Portfolio are not insured or guaranteed by the FDIC or any other government agency. You are responsible for monitoring the total amount of your assets on deposit at the depository bank, including amounts held directly at the depository bank. All such deposits held in the same ownership capacity at the depository bank are subject to aggregation and to the current FDIC insurance coverage limitation of $250,000. Please see a 529 Fact Kit for more details.
2. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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Accounts you can transfer

To transfer assets to Fidelity from another firm, first open a compatible Fidelity account.

Account to transfer Compatible Fidelity account  
Brokerage Account The Fidelity Account® Open Now
Traditional IRA Traditional IRA Open Now
Roth IRA Roth IRA Open Now
SIMPLE-IRA SIMPLE-IRA Open Now
SEP-IRA SEP-IRA Open Now
Rollover IRA Rollover IRA Open Now
     
Already have a compatible Fidelity account? Transfer an account.
Account to roll over Compatible Fidelity account  
401(k) or other pre-tax qualified plan* Rollover IRA Open Now
Designated Roth Account Roth IRA Open Now
403(b) – pre-tax Rollover IRA Open Now
457(b) – government Rollover IRA Open Now
     
Already have a compatible Fidelity account? Roll over an eligible workplace account.

*Qualified plans include profit-sharing, money purchase and Defined Benefits plans.

Not sure what to do? You can always call 800-343-3548.