Explore account options

What are you looking to do?

Invest and trade on my own

Investing can be a powerful way to help your money grow and get after your financial goals, and you don't need a lot to start.

Fidelity Account®

 Dollar-based investing with fractional shares

$0 commission for online US stock, ETF, and option trades1

No account fees or minimums to open2

Spend, save, and invest

Manage everyday cash and save for short-term goals with features of a traditional checking account, without a bank. (Plus, trade and invest here if you want, too!)

Fidelity® Cash Management Account (FCMA)

 Brokerage account for everyday spending, Bill Pay, checkwriting3

No account fees or minimums to open an account

ATM fees are automatically reimbursed4

FDIC insurance eligibility5

Invest, and have it managed for me

Fidelity can handle the investing so you don't have to. We'll suggest a strategy to help keep your savings goal on track.

Fidelity Go®

 Digital investing + financial coaching8

$0 minimum to open6

Tiered pricing based on account balance7

Get the app
You can either open an account here or in the app.

Thinking about retirement?

Consolidate accounts

Rollover IRA

  • Invest on my own or have Fidelity do it for me
  • Fees and minimums vary based on the account type
Tax-free withdrawals later

Roth IRA

  • Contribute already-taxed money
  • Potential earnings grow tax free
  • No account fees or minimums to open2
Contribute before taxes

Traditional IRA

  • Contributions may be tax deductible
  • Earnings grow tax deferred
  • Pay taxes when I withdraw
  • No account fees or minimums to open2

1. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs) and options (+ $ 0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). There is an Options Regulatory Fee (from $0.03 to $0.05 per contract,) which applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

2. Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.

3. The Fidelity Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Fidelity Account.

4. Your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Debit Card linked to your Fidelity Cash Management 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 may be a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., 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 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 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.

6. There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10.

7. Fidelity Go® offers tiered pricing based on your account balance. You'll pay $0 for a balance under $25,000, or 0.35% per year for $25,000 and above. There are no trading fees, transaction fees, or rebalancing fees.

Fidelity Go® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, Strategic Advisers, FBS and NFS are Fidelity Investments companies.

Fidelity Go accounts invest in zero expense ratio Fidelity Flex® mutual funds that do not charge management fees or, with limited exceptions, fund expenses.

8. Fidelity Go® offers a fully digital experience designed to help you pursue your financial goals. Once your balance reaches $25,000 you'll gain access to a team of dedicated Fidelity advisors.

Explore more ways you can invest with Fidelity