Cash Management Account from Fidelity

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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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h1 Cash management from Fidelity

Our account gives you flexibility to access your cash whenever you need it while still allowing you to put your money to work.

A smart alternative to a bank account

Save

Manage your cash without paying account fees or worrying about minimums and get FDIC coverage up to $1.25 million.

Spend

Discover more ways to access your money, plus ATM reimbursements, no minimum balances, and no account fees.

Invest

Choose from a variety of investment options, including FDIC-insured certificates of deposit (CDs).* More information Your cash balance is held at one or more partner banks, and is accessible whenever you need it.
Key benefits Access your funds at any time More information Whether you're paying bills, withdrawing cash, or making large purchases, we offer more ways to access your money. Plus, you get reimbursed for all ATM fees anywhere in the US, making it easier to access your money whenever you need it. For more details, see below. Key benefits Get a free with enhanced security and online services Free checkwriting and free access to Fidelity BillPay Make payments from your account using a wide range of apps and devices

More spending details

None. Scan and deposit checks using your iPhone, iPad, or AndroidTM with Fidelity Mobile. Quickly and easily transfer money among your linked Fidelity accounts for overdraft protection, to view balances, or to pay bills from one secure place. You can create your own alerts letting you know when you have excess cash to invest or when rates change. More information Fidelity offers investors brokered CDs, which are CDs issued by banks for brokerage firm customers. These CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers. Because the deposits are obligations of the issuing bank, and not the brokerage firm, they're FDIC insured. Key benefits FDIC insured Terms to maturity range from 3 months to 5 years New issue CDs have no trading fees

Next steps

Learn how you can earn more on your cash, while protecting your principal, with our FDIC-insured CDs offered from a variety of banks. A variety of on-the-go options allow you to access the money in your cash management account whenever and however you want. Start using BillPay to handle all your mobile payment needs.

How we can help you start

* For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution issuing 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 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, visit . Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Your ability to sell a CD on the secondary market is subject to market conditions. If your CD has a step rate, the interest rate may be higher or lower than prevailing market rates. The initial rate on a step-rate CD is not the yield to maturity. If your CD has a call provision, which many step-rate CDs do, the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may obtain a less favorable interest rate upon reinvestment of your funds. Fidelity makes no judgment as to the creditworthiness of the issuing institution. Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. 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. 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. 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 . Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. 887150.6.0

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Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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