- Investment Products
- Cash Management
mySmart Cash Account®
An excellent companion to your Fidelity brokerage account for everyday spending.1 |
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The protection your money deserves
- Cash Balances are eligible for FDIC insurance2
- No initial deposit required to open an account
- No minimum monthly balance required
- View current interest rate on Cash Balances
Make your brokerage account work harder-Open a mySmart Cash Account
- Fidelity Customers—Open a mySmart Cash Account to complement your Fidelity brokerage account.
- Not a customer? Or you don’t currently own a Fidelity brokerage account?— Open Fidelity’s full–featured brokerage account together with a mySmart Cash Account. The two accounts work well together to satisfy your trading and investing, as well as your everyday spending needs.
Please use a mail in application for the following account type: mySmart Cash Account Trust registration (PDF) 
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- The mySmart Cash Account is a brokerage account designed to meet your everyday spending needs. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®. You can also link these two accounts for seamless management of your finances.
- The Cash Balance in the mySmart Cash Account is swept to an FDIC–insured account at a Program Bank which 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 Cash (Core) Disclosure Statement for the mySmart Cash 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. See the list of eligible Program Banks. For additional information please see FDIC Disclosure Document (PDF).
