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Fidelity® Cash Management AccountThis free full-service account has all the features you'd expect, plus a few extras. And, you can manage your cash together with your investments for better financial control and seamless withdrawals, deposits, and transfers. 
Why choose the Fidelity® Cash Management Account?ValueWe reimburse all ATM fees and surcharges2 from over a million ATMs worldwide. Free checkwriting, online bill payment, and no fees or minimums. Plus, our optional Fidelity Credit Cards let you turn your spending into savings towards college, general investing, and retirement. AccessPrefer to manage your money on the go? With online access and Fidelity Apps for iPhone®, iPad®, and Android™ you can manage your money when and where you want—without having to schedule your day around it. OpportunityWhen you manage both your cash and investments at Fidelity, you have better insight and the ability to quickly assess and take advantage of market opportunities. Our accounts are designed to work together, so you benefit from balance alerts, seamless withdrawals and transfers, and great service. ControlHow you need to manage your cash can change with time. Whether you need to pay bills, save for long-term goals, or take Minimum Required Distributions in retirement, you can do what you need to do—simply—without having to change accounts or pay fees. See how it worksThe cash manager can help you optimize your cash with your investments. 
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® . The Cash Balance in the Fidelity Cash Management Account is swept to an FDIC-insured account at one or more Program Banks where it earns a variable rate of interest. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. For more information about FDIC insurance coverage, please visit the FDIC web site at www.FDIC.gov. 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 each of the Program Banks to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. See the list of eligible Program Banks. 1 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 2 banks available to accept these deposits, making customers eligible for nearly $500,000 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. 2 All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Visa® Gold Check Card linked to your account at any ATM displaying the Visa®, Plus®, or Star® logos. ATM reimbursements will be credited to the account when the transaction posts. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity® Visa® Gold Check Card is issued by PNC Bank, N.A. and the check card program is administered by BNY Mellon Investment Servicing Trust Company. Those 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 license from Visa U.S.A. Inc. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF) The third party trademarks appearing herein are the property of their respective owners. Want one-on-one help?Want one-on-one help?Call an investment professional at 800-931-9987Already have a Fidelity® Cash Management Account?Resources |
