Spend & Save FAQs: ATM/debit card
About the debit card
What is a Fidelity® Debit Card?
The Fidelity® Debit Card is an ATM/debit card that charges no annual fee. Use the card for any purchases where Visa is accepted and withdraw cash at ATMs worldwide wherever you see the Visa, Plus®, or Star® logos. The amount of the purchase will be withdrawn from your Available to Withdraw balance, and the debit will be posted to your Fidelity account within five business days.
What accounts are eligible for a Fidelity debit card?
The Fidelity debit card is available on youth accounts and nonretirement brokerage and cash management accounts with individual, joint tenant, and trust registrations. Retirement, business, corporate, and Fidelity managed account registrations are not eligible. Cards cannot be issued on accounts with a foreign or military address or in the name of a power of attorney.
Are there any fees with the Fidelity debit card?
There is no annual fee on the Fidelity debit card. Other institutions may assess fees for use of ATMs in their network.
Fidelity Cash Management Account owners, Youth Account owners or Fidelity Account owners coded Premium, Active Trader VIP, Private Client Group, Wealth Management, or former Youth Account owner, will be reimbursed for ATM fees charged by other institutions.
Please review your Fidelity Debit Card Agreement (PDF) for information on reimbursement caps or limits.
For each foreign transaction, there is a foreign transaction fee (currently, 1% of the transaction for non-US dollar transactions), which may be included in the amount charged to your account. This charge may apply whether or not there is a currency conversion.
Fidelity charges no fees for debit card fraud text alerts. Please contact your mobile carrier to see if any message and data rates, or other charges may apply.
Requesting a new debit card
How do I get a new Fidelity debit card?
You can request a debit card by using your Fidelity® Mobile app, or navigating to the Manage debit cardsLog In Required page.
Note: Cards are limited to one per registered account owner.
Once I request a Fidelity debit card, how long will it take for me to receive the card?
You can expect to receive your debit card within 7 to 10 days from the time your request is submitted.
While you wait for your physical card to arrive, individual and joint Cash Management Account cardholders may access a digital card. This digital card can be viewed in the Fidelity® Mobile app by selecting the account associated with your card and tapping Debit card.
You can obtain a status of your order, including delivery details, by using your Fidelity® Mobile app, or navigating to the Manage debit cardsLog In Required page.
If my debit card is expiring, when should I expect to receive my new card?
Your new card will be mailed 6 weeks prior to the last day of the month of expiration (for example, a card expiring 9/30 should arrive around 8/15). Your existing card is valid until expiration.
Managing your debit card
Can I activate my debit card using my mobile device or online?
Yes, you can activate your debit card by using your Fidelity® Mobile app, or navigating to the Manage debit cardsLog In Required page.
You will need to enter the 3-digit security code located on the back of your card to activate.
How do I create a new PIN or change the current PIN on my debit card?
You can create or change your PIN by using your Fidelity® Mobile app, or navigating to the Manage debit cardsLog In Required page.
New and updated PINs can be used immediately after they have been successfully submitted. You can change your PIN once a day.
What should I do if my debit card is lost or stolen, or if I notice unauthorized card transactions?
If your debit card was lost or stolen and you notice unauthorized transactions, please call Fidelity Debit Card Services immediately at 800.323.5353. Representatives are available 24 hours a day, 7 days a week, including holidays.
If there are no unauthorized transactions, you can access the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online, to request a replacement card for the one you lost. If you don’t need a replacement card, please close the card to prevent it from being used.
What should I do if I misplaced my debit card?
If you misplaced your debit card and want to protect it from unauthorized use, you can place a temporary block on it by selecting the Lock card link next to your card on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online. Locking the card will prevent any new withdrawals or purchases to be made on the card while locked. You will also be unable to add the card to a digital wallet or person-to-person payment app. Recurring transactions, returns, and credit adjustments will still be allowed. You may go online to unlock your card at any time.
If you are unable to find your card, you can request a replacement card on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online.
How can I get a replacement debit card?
You can request a replacement debit card on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online, if your card was:
- Lost or stolen
- Not received
- Damaged or cannot be read
For cards that were lost or stolen, prompt action is recommended to protect your account from unauthorized activity. You may also use the lock card feature if you need time to search for the card.
What should I do if I am traveling with my debit card?
Letting us know your travel plans, whether you’re traveling in the US or overseas, can help reduce the likelihood of authorized debit card transactions being declined when traveling. You can provide travel notifications on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online, by selecting the Manage travel notice link next to your debit card.
Travel notices can be provided up to 90 days in advance of your travel date. You may also change or delete previously entered travel plans online when needed.
Travel notices established by calling Fidelity will not be available online. To change or delete these plans, please call Fidelity Debit Card Services using the number located on the back of your debit card or 800-323-5353.
Can I set up my debit card to use Apple Pay® or Google PayTM?
Yes, it's easy to add your debit card to Apple Pay® or Google PayTM by using your Fidelity® Mobile app, or navigating to the Manage debit cardsLog In Required page. You can also use the Wallet app on your device to add your debit card manually.
Once you've linked your card, you can enjoy the convenience and security of spending with your mobile device.
How do I close my debit card?
You can close your debit card on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online, by selecting the Close card link next to your card.
If there are recurring transactions paid with the card, please provide updated payment information to the merchant(s) before closing the card.
Once closed, you should destroy the card by cutting the across the magnetic stripe and chip.
How do I manage my debit card using the Fidelity Mobile app or online?
You can access many self-service card management features by using your Fidelity® Mobile app, or navigating to the Manage debit cardsLog In Required page.
What is a digital card?
You can view the full 16-digit card number, expiration date, and security code of your debit card on your Fidelity® Mobile app. Your digital card allows you to spend when you don’t have your physical card. You can add it to your digital wallet and make purchases online.
Purchases, payments and transactions
Can I use my debit card to make purchases?
Yes, you can use your debit card for purchases wherever Visa is accepted. Some merchants may require a signature or PIN to authorize a purchase while other transactions do not (e.g., internet and mail order). The amount of the purchase will be deducted from your Available to Withdraw balance, and the transaction will be posted to your Fidelity account within 5 business days.
Why is the pending debit card transaction different from my actual purchase amount?
Some merchants such as hotels and restaurants are allowed to request an authorization for an estimated amount which may vary from the actual purchase amount. Additionally, gas stations are permitted to request an authorization to confirm your card is open and active. The authorized amount will reduce your Available to Withdraw balance and will be replaced with the actual purchase amount within 5 business days.
What account type should I select when using my debit card to withdraw cash from an ATM?
Regardless of the type of Fidelity account you hold, when using your debit card at an ATM machine, you should always select that you are withdrawing funds from a CHECKING account.
Can I deposit funds to my Fidelity account at an ATM via my debit card?
No, cash and check deposits cannot be made using an ATM. Instead, review other ways to deposit money to your Fidelity account.
Are there transaction limits with my card for purchases and ATM transactions?
Yes, you can view the daily limits and remaining balance associated with your debit card on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online.
Daily limits reset each day at 12:00 midnight ET. Daily limits are subject to the Available to Withdraw balance in your account and specific daily transaction limits, which are not shown.
What do I do if my debit card transaction is denied or my debit card is blocked?
There are a number of reasons why your transaction may be declined; including insufficient funds in your Fidelity account, you've exceeded your daily card limit, there is suspicious activity on your card, or the card is in an inactive or restricted state. You can review your daily limit and card status on the Manage debit cardsLog In Required page, using either the Fidelity Mobile app or online. Please review your cell phone for any text alerts received regarding transaction activity.
You may also call Fidelity Debit Card Services using the number located on the back of your card, or 800-323-5353, and a representative will assist you. Representatives are available 24 hours a day, 7 days a week, including holidays.
How does Contactless technology protect my information?
Contactless, also known as tap-to-pay, uses short-range wireless technology to make secure payments between the card and a contactless-enabled checkout terminal. Just like the trusted security of chip cards, a unique one-time code is created for the purchase to be approved. This makes it extremely difficult to steal or copy your card details for unauthorized use.
What are debit card fraud text alerts and how do they work?
You are automatically enrolled to receive fraud text alerts through the cell phone on file with your debit card. You will be notified when a highly suspicious debit card transaction occurs on your account, allowing you to verify the activity. If you recognize the transaction, please confirm that in a reply to the text alert so that you can continue to safely use your card. If you reply that you do not recognize the transaction, your card will be blocked from further use until you call Fidelity Debit Card Services at the number on the back of your debit card. If you do not reply to the fraud text alert, your debit card may be blocked from further use for your protection, and we will attempt to reach you directly by phone to verify the transaction(s).
Are debit card fraud text alerts different than other Fidelity alerts?
Yes, Fidelity offers a variety of alerts for your security and convenience. Debit card fraud text alerts notify you if we detect highly suspicious activity only on your debit card.
Do I need to enroll to receive debit card fraud text alerts?
If you have already given us your current mobile number, you will automatically receive debit card fraud text alerts unless you choose to opt out. Please review your ProfileLog In Required to ensure that Fidelity has your current mobile number, and check with your carrier to verify you have text messaging as part of your mobile plan.
What if I want to opt out of debit card fraud text alerts?
To opt out of debit card fraud text alerts, reply Stop to the text alert or call Fidelity Debit Card Services at the number on the back of your card. Even if you choose to opt out of debit card fraud text alerts, you may still be contacted directly by phone if we detect suspicious activity on your card. If you would like to disable other Fidelity alerts, go to AlertsLog In Required to manage market and account activity alerts, and our Security CenterLog In Required to manage Fidelity security alerts.
Can I receive debit card fraud alerts by email?
No, email fraud alerts are currently not available. If we detect suspicious activity on your debit card, we will attempt to contact you via text message, directly by phone, or both.
How can I be sure the debit card fraud text alert is sent by Fidelity?
Fidelity debit card fraud text alerts originate only from the sender number 68153. If you aren't sure if it's from Fidelity, please call Fidelity Debit Card Services immediately at the number on the back of your card.