Cash Management Features by Account - Fidelity

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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Features by Account

You can add a wide range of cash management features to your brokerage, retirement, 529 college savings, or other Fidelity accounts. All features are available with our free, full-service Fidelity Cash Management Account.

Questions

) Fidelity Mobile Bill Pay Checkwriting Automatic investments Automatic withdrawals Direct deposit Electronic funds transfer (EFT) Individual retirement
account (IRA) Whether you’re saving for retirement or need income during retirement, add these features to get the most from your IRA: Automatic withdrawals Automatic investments FDIC insurance eligibility4 Checkwriting (not available for Roth IRAs) Direct deposit Electronic funds transfer (EFT) 529 college savings
account Whether saving for college or paying tuition, add these features to your 529 account to help meet your goals: Bill Pay Automatic investments FDIC insurance eligibility5 Direct deposit

Next steps

Fidelity Cash Management Account The Fidelity Account FDIC protection Earn interest rates on cash balances in Fidelity accounts, which are eligible for FDIC insurance coverage. Fidelity Cash Management Account2 Individual Retirement Account (IRA)4 529 College Savings Account5 Cash Manager Use this tool to establish self-funded overdraft protection by linking to other accounts, or create alerts to actively invest extra cash when available. Fidelity Cash Management Account Fidelity Mobile Use your iPhone, iPad and Android device to check balances, pay bills, deposit checks, transfer money, or manage your debit card.6 Fidelity Cash Management Account The Fidelity Account Individual Retirement Account (IRA) Bill Pay Receive and pay your bills on the web or on your mobile device with our free, online bill payment service. Fidelity Cash Management Account The Fidelity Account 529 College Savings Account Checkwriting Get free checks, deposit slips, and online images of your cleared checks. Fidelity Cash Management Account The Fidelity Account

Individual Retirement Account (IRA)
(not available for Roth IRAs) Automatic
investments Schedule regular, automatic transfers from your bank account to your Fidelity account to provide cash for investing or everyday spending. Fidelity Cash Management Account The Fidelity Account Individual Retirement Account (IRA) 529 College Savings Account Automatic
withdrawals Easily establish an income stream or satisfy required minimum distribution (RMD) rules for your retirement account. Fidelity Cash Management Account The Fidelity Account Individual Retirement Account (IRA) Direct deposit Have your paycheck, pension, Social Security check, or other regular payments sent directly to Fidelity. Fidelity Cash Management Account Individual Retirement Account (IRA) 529 College Savings Account Electronic funds
transfer (EFT) Transfer money securely between your bank and Fidelity, without deposit slips, stamps, or checks. Fidelity Cash Management Account The Fidelity Account Individual Retirement Account (IRA) 529 College Savings Account Fidelity Rewards
credit cards Earn up to 2% cash-back rewards deposited into any one of your eligible accounts. Fidelity Cash Management Account The Fidelity Account Individual Retirement Account (IRA) 529 College Savings Account Full View Monitor and manage all of your Fidelity and non-Fidelity online financial accounts in one secure place, with improved account visibility and a single portfolio view. Fidelity Cash Management Account The Fidelity Account Individual Retirement Account (IRA) 529 College Savings Account

Next step

1. 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. 2.The Cash Balance in the Fidelity Cash Management Account is swept into an FDIC-Insured interest bearing account at one or more program banks and, under certain circumstances, a money market mutual fund (the "Money Market Overflow"). 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 Web site at www.FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Program Disclosures 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 Banks Program Banks, and the FDIC Disclosure Document. 3. ​For 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. 4. On certain types of IRAs with Fidelity you can have an FDIC-Insured Deposit Sweep Core. The Cash Balance in the FDIC-Insured Deposit Sweep is swept into an FDIC-Insured interest bearing account at one or more program banks and, under certain circumstances, a money market mutual fund (the "Money Market Overflow"). 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 Web site at www.FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Program Disclosures, customers are responsible for monitoring their total assets at a Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/IRACoreBanks to see a list of Program Banks and the FDIC Disclosure Document. 5. Although the underlying deposits are eligible for FDIC insurance, subject to applicable federal deposit insurance limits, the Units of the Bank Deposit Portfolio are not insured or guaranteed by the FDIC or any other government agency. You are responsible for monitoring the total amount of your assets on deposit at the depository bank, including amounts held directly at the depository bank. All such deposits held in the same ownership capacity at the depository bank are subject to aggregation and to the current FDIC insurance coverage limitation of $250,000. Please see a 529 fact kit for more details. 6. The debit card feature is not available on an Individual Retirement Account (IRA). 7. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 614055.8.0

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ATM Debit Card

Reimbursement Schedule

Account type ATM surcharge Fidelity Cash Management Account All ATM charges are reimbursed Fidelity Account Premium, Active Trader VIP, Private Client Group, Wealth Management, or former Youth accounts owners All ATM charges are reimbursed Fidelity Account – all other account owners No reimbursement Fidelity Youth Account All ATM charges are reimbursed