Two-Factor Authentication: How it Works

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What is 2-factor authentication?

With 2-factor authentication, an extra layer of security is added to your account to prevent someone from logging in, even if they have your password. This extra security measure requires you to verify your identity using a randomized 6-digit code. You can choose to have this security code sent to your mobile phone (or an alternate phone number) via text or voice call. Each security code is used only once. It is not a password that you need to create and remember.

Select a phone number to receive a code. For a landline, you can receive the code via automated call.

Select how you want to receive the code: via text or automated call.

2-factor authentication at login

In addition to your password, you can opt into using 2-factor authentication as an extra layer of security at login, stopping someone from logging in, even if they have your password.

Note: If you use a financial aggregator such as Quicken® or Mint to view your accounts, enabling 2FA at login may prevent the aggregator from updating your account information.

How do I enable 2-factor authentication at login?

Simply log in to Fidelity.com and go to the Security CenterLog In Required to manage security settings and enable 2-Factor Authentication at login.

Can I access my account from different devices?

Yes, though you may be asked for a security code if you're accessing your accounts from a device we do not recognize. To register your device, select "Remember this device" after entering your code. Under certain circumstances. we may ask for your security questions and answers.

How does "Remember this device" work?

When you select "Remember this device," we mark that device as a recognized device. We may still request a security code periodically. To help maintain security, we recommend that you use "Remember this device" with devices that you use frequently. You can select "Remember this device" on multiple devices, but avoid using public devices.

I previously selected "Remember this device." Why did I have to request a security code?

Device recognition is just one of several factors we use to verify identity. For example, if you are using a different browser or have recently cleared your browser history, we may request a security code to confirm your identity.

What should I do if the code doesn't work?

First, make sure you're using the security code that's in the text message itself, not the incoming number from the sender. If this doesn't solve the problem, do the following:

Select "Request a new code"
Complete the steps for requesting a new code. If you're receiving the code by phone, make sure you are near that phone. We can only send text messages to a mobile phone. For a landline phone, select an automated call.

What if I don't have my mobile phone with me?

Don't worry, you can still receive a security code. If you have an alternate phone number on file, you can have the code sent there. If you do not have an alternate number, choose the "Select this link if you can't receive a code" link to contact a Fidelity representative who can assist you.

What if I don't own a mobile phone?

What transactions are protected?

You will get prompted for a security code to verify your identity when you perform highly sensitive transactions such as setting up new bank instructions or changing your contact information. If you are signed up for extra security at login such as VIP Token Access, you may not get prompted during the transaction.

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2-factor authentication