Cash Management Solutions & Services from Fidelity Investments

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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Cash Management Solutions

Fidelity Cash Management Solutions provides an alternative for individuals seeking FDIC insurance and gives you the power to manage your cash and spending alongside your investments. Plus, earn unlimited 2% cash-back1 on everyday purchases with the Fidelity Rewards Visa Signature Card.

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A better way to save and spend

This convenient way to save, spend, and manage your cash has the features of a traditional checking account, without a bank. No account fees or minimum balances ATM fees reimbursed2 Free debit card, checkwriting, and bill pay FDIC insurance eligibility3 Convenient mobile check deposit

See how you can save and earn money in ways you can't with a traditional bank.

The card that helps you fund your fun today and invest in your tomorrow with unlimited 2% cash back into any eligible Fidelity account.4 2 Points for every eligible net $1 spent1 No limits on rewards and Points will not expire1 Enhanced fraud monitoring and EMV chip technology Digital Wallet with option of Apple Pay, Google PayTM, Samsung Pay.

Watch this short video to find out how getting cash back on everyday purchases1 can quickly add up. Our award winning Fidelity Rewards Visa Signature Card can help turn everyday spending into everyday savings when you deposit your rewards into your cash management account, or any other eligible Fidelity account.
Best Rewards Credit Card for Cash Back for Savers.
Awarded Four Years in a Row.

Features for other accounts

You can add the following features to an existing brokerage, IRA, or other Fidelity account.

From our experts

Teens 13 to 17 can learn to spend, save, and invest, plus they'll get a free debit card and no subscription fees.5

You're only three easy steps from moving your checking account to a Fidelity Cash Management Account. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. 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. Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance. 1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards. 2. 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. 3. 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. 4. Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable Giving Account, Fidelity HSA, and Fidelity-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548). 5. For 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 owners, your account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity Debit Card 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. Please note, for foreign transactions, there may be a 1% fee included in the amount charged to your account. ATM fees will not be reimbursed on any Fidelity Bloom app debit card transactions regardless of account owner coding. The creditor and issuer of the Fidelity Rewards and Fidelity Investments 529 College Rewards Visa Signature Cards is Elan Financial Services, pursuant to license from Visa U.S.A. Inc. 2021 The Kiplinger Washington Editors. Used under License. Please a Fidelity representative if you have additional questions or concerns about the ratings and reviews posted here. Fidelity Charitable is the brand name for the Fidelity Investments Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license. "Giving Account" is a registered service mark of the Trustees of Fidelity Charitable. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Google, Google Pay and the Google Logo are trademarks of Google LLC. 2021 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. The creditor and issuer of the Fidelity Rewards Visa Signature Card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. Elan and Fidelity are not affiliated, and Fidelity is not responsible for the content contained herein. Fidelity and Elan Financial Services are separate companies. 859883.10.0

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