Frequently Asked Questions

Yes, your password and your username are the same for both your employer sponsored account and your personal account. You can also manage your log in credentials like creating or changing your security questions, your username, and your password.

Before you consider rolling over your retirement plan (e.g., 401(k), 403(b), 457(b)) or taking any kind of distributions, be sure to read the Special Tax Notice Regarding Plan Payments (IRS notice 402(f)), which details the tax consequences of rolling over all or a portion of your employer sponsored account.

When you open a Fidelity personal account, your core account is automatically established. The core account is used for processing cash transactions and for holding uninvested cash.

• When you sell a security, the proceeds are deposited in your core account.
• When you buy a security, cash in your core account is automatically used to pay for the trade. Note that you may also settle trades using margin if it has been established on your brokerage account.
• Additionally, your core account is used to process checks, electronic transfers, authorized credit cards, and payments through Fidelity BillPay®.

For additional information on your core account, investment options for your core account, and current rates, see the Your Account section of the Brokerage Handbook for your personal accounts.

When you want to withdraw money (take a distribution) from your 529 account, simply fill out the College Investing Plan Distribution Form (PDF). You can specify whether to send the money to you, to your child's college, or to another person.

There are a variety of alerts available for your personal accounts. To create alerts or modify existing ones, log in to your accounts and go to Alerts under the Research tab.

By law, mutual funds must pay all net investment income and net capital gains to their investors. Learn more about mutual fund distributions on Fidelity.com.

Determining the type of IRA that's best for you involves the consideration of four factors: your age, your tax filing status, your adjusted gross income, and whether you contribute to an employer sponsored account. Review a comparison and answer these four questions to find out which IRA may work for you.

While you can't take a loan from your IRA, if you meet certain criteria you are eligible to withdraw money without incurring an early withdrawal penalty. Learn more about IRA withdrawals.

On Portfolio Summary, select Contribute to an IRA from the dropdown menu to get to the Transfer Money/Shares page. The amount you've withdrawn in the current year is detailed here.

View the Guide To Brokerage and Investment Advisory Services at Fidelity Investments (PDF)

Yes, your password and your username are the same for both your employer sponsored account and your personal account. You can also manage your log in credentials like creating or changing your security questions, your username, and your password.

Before you consider rolling over your retirement plan (e.g., 401(k), 403(b), 457(b)) or taking any kind of distributions, be sure to read the Special Tax Notice Regarding Plan Payments (IRS notice 402(f)), which details the tax consequences of rolling over all or a portion of your employer sponsored account.

How and whether you can take a loan or withdrawal depends on your employer's plan and the type of transaction you are requesting. To see if you are eligible and for details on how to request a loan or withdrawal, log in to the Loans or Withdrawals sections of your employer sponsored account. Or for general information, see the relevant sections of 401k.com.

The annual IRS dollar limit is $17,000 for 2012 for your 401(k), 403(b), and 457(b) accounts. If you are age 50 or older, you may be able to contribute an additional $5,500 in catch-up contributions in 2012 if applicable to your plan. Your employer sponsored retirement plans may have additional limits or restrictions. Some plans allow you to contribute on an after-tax basis as well. Please refer to your plan rules for additional information.

Some companies and organizations offer a “match” or “matching contribution” as an incentive to contribute to the company retirement plan. It means that the company will contribute a certain percentage of what you contribute to your account, up to a certain limit. If your employer offers matching contributions to your plan, you should consider contributing at least enough to receive the full amount of the match. Matching contributions are effectively like getting free money for your retirement. Please refer to your plan rules for additional information.

Most individuals have four options for the money in their employer sponsored retirement plan account when changing jobs:

• Stay invested in your current plan
• Roll over money to your new employer's plan
• Roll over your plan savings to an IRA
• Take your distribution in cash

For more information and to take action, log in to your account and visit the Changing Jobs section of Tools & Learning.

Yes. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts into Quicken®. If you need assistance importing this type of account information, call 800-581-5800.

To transfer money online between your bank and your Fidelity account you must initiate an electronic funds transfer (EFT).

For employer sponsored accounts, your plan may offer the ability to set up bank account information for loan or withdrawal payments. To see if you are eligible and for details on how to set up bank information, log in to the Electronic Payments section of your employer sponsored account.

Before you consider rolling over your retirement plan (e.g., 401(k), 403(b), 457(b)) or taking any kind of distributions, be sure to read the Special Tax Notice Regarding Plan Payments (IRS notice 402(f)), which details the tax consequences of rolling over all or a portion of your employer sponsored account.

When you want to withdraw money (take a distribution) from your 529 account, simply fill out the College Investing Plan Distribution Form (PDF). You can specify whether to send the money to you, to your child's college, or to another person.

How and whether you can take a loan or withdrawal depends on your employer's plan and the type of transaction you are requesting. To see if you are eligible and for details on how to request a loan or withdrawal, log in to the Loans or Withdrawals sections of your employer sponsored account. Or for general information, see the relevant sections of 401k.com.

While you can't take a loan from your IRA, if you meet certain criteria you are eligible to withdraw money without an early withdrawal penalty. Learn more about IRA withdrawals.

On Portfolio Summary, select Contribute to an IRA from the dropdown menu to get to the Transfer Money/Shares page. The amount you've withdrawn in the current year is detailed here.

Requests to gift stock out of your brokerage account must be made in writing and submitted to Fidelity, either by bringing a letter of instruction to a Fidelity Investor Center, or by mail at the addresses provided below.

Your letter of instruction should include the following information:

• The names and guaranteed signatures of all of the account owners
• The brokerage account number
• The current address of record for the account
• Your daytime phone number
• Whether or not you want the gift to be anonymous
• A description of the securities being delivered, including the complete security name, number of shares (or dollar amount), and CUSIP number

Additionally, you will need to include information specific to the type of gift you are making.

For gifts to accounts within Fidelity, please provide:

• The Social Security number associated with your account
• The Fidelity account number of the recipient

If you are sending your gift to another Fidelity account and the total amount is $10,000 or less, no signature guarantee is required. Gifts sent to Fidelity accounts take 1–4 days to process.

For gifts to accounts within Fidelity, your letter of instruction should be mailed to:

Fidelity Investments
Attn: Account Reregistration Services
P.O. Box 770001
Cincinnati, OH 45277-0039

For gifts made directly to another person, please provide:

• The full name and address of the recipient, either a person or an institution
• The Social Security or tax identification number of the recipient
• If the recipient is a minor, their date of birth, so the transfer agent may verify whether the minor is of age

For gifts sent to an account at another bank, please provide:

• Name, address, and DTC number of the bank
• Contact person's name and department at the bank handling the account
• Bank account number, if applicable
• Full name and address of recipient
• The Social Security or tax identification number of recipient

For gifts sent to a brokerage account outside of Fidelity, please provide:

• The name, address, and DTC number of receiving broker
• The recipient's Social Security number and account number at the receiving broker

For these types of gifts, your letter of instruction must be mailed to:

Fidelity Investments
Attn: TOA Deliveries
P.O. Box 770001
Mailzone KC1B
Cincinnati, OH 45277-0033

Gifts sent outside of Fidelity take 2–4 weeks to process.

You can get help with logging in by resetting your password, creating or changing a username, and creating or changing your security questions.

You can add a new e-mail address or change your existing one on Fidelity.com. You can also change the e-mail addresses you use to receive Alerts.

Yes, you can create or change your username anytime.

You can add or update your beneficiaries online; however, not all accounts are eligible for electronic updates.

You can change your current password anytime.

To protect your information and assets, Fidelity employs extensive physical, electronic, and procedural security controls, regularly adapting them as technology and threats evolve. Although we cannot fully disclose all of our tactics, you can learn more about the steps Fidelity is taking to keep your account information secure, as well as what you can do to further protect yourself.

If you detect any errors or discrepancies, or suspect unauthorized activity in your account, please contact us promptly at 1-800-FIDELITY. We are proud to offer our Customer Protection Guarantee. We will reimburse your Fidelity account for any losses due to unauthorized activity. Learn more about our guarantee.

Without cookies, your browser would be unable to remember that you were logged in, and you'd have to reenter your SSN or username and password for every page you viewed. For more information about how Fidelity uses cookies, see our privacy policy.

Fidelity utilizes Extended Validation (EV) Certificates as an additional security measure. EV Certificates are issued to websites only after rigorous validation of their identity. Web browsers reflect this higher level of identity assurance with prominent and distinct trust indicators, such as the green address bar in Internet Explorer and Mozilla Firefox, and advanced green indicators in the latest versions of Opera and Google Chrome.

By clicking the Download button on the History page, you can export data from your Account History on Fidelity.com directly into Microsoft® Excel in CSV (comma-separated values) format. This will export your account transaction details. If you have a Fidelity® Cash Management Account, you can filter for specific types of transactions.

In order to use the Quicken download service, the version of Quicken being used can not be more then 3 versions old. Current versions of Quicken can accept downloaded information from your Fidelity account. Fidelity cannot support or help troubleshoot problems that may occur with older versions of these products.

To use Fidelity.com's account download service, your computer must meet the hardware, memory, operating system, browser, and access requirements provided by Quicken®. Usually this information is available on the product packaging or in the software's "Read Me" file.

To download your account data, you must have the following:

Any one of the three most recent versions of Quicken® – available from stores or direct from Intuit at 1-800-4-INTUIT or www.intuit.com.

A Fidelity password to download your account data. This is the same password you use to login to Fidelity.com. You will be prompted for your SSN or Customer ID and password every time you request your account to be updated. If you do not have a password, you may establish a password online.

You do not need to enroll to use the account download service. All you need to download your data is an online password to access your account. This is the same password that you use to access your account through Fidelity.com.

Downloading your Fidelity account information into Quicken® is free.

You can download account information from your Fidelity accounts, including:

• Account balances
• Investment holdings
• Up to 24 months of transaction history with 90 days as the default

If your plan permits, you can download information from your Fidelity NetBenefits 401(k), 403(b), and 457 accounts.

The last 90 days of transaction history is downloaded the first time an account is downloaded into Quicken®. Customers using Quicken 2010 and 2011 can download up to 24 months of transaction history. Please call a Fidelity Representative at (800) 544-7595 for assistance. On subsequent downloads, Fidelity will transmit up to 90 days of new transaction history since the previous download. Therefore, we suggest customers download account information at least every 90 days. Please note that account information is updated on Fidelity's systems nightly, so downloads will contain transaction history up to the close of the previous business day.

When you download your account data into Quicken®, your financial data is stored on your computer's hard drive. Take all precautions to protect this information, especially if you share your computer with others or use an Internet provider with persistent Internet access (e.g., broadband or DSL).

Make sure to read all legal disclosures within any product to understand the details behind usage of products and data storage.

No. Although Quicken® has in-product links to Fidelity's online trading capability, you must access your account on Fidelity.com to trade in your account.

To allow customers to download account information with confidence and security, Fidelity has implemented powerful electronic security measures using industry-standard encryption technology and additional proprietary measures. These include requiring users to enter a password and User ID (Social Security Number or Customer ID) incorporating 128-bit, 2-way data encryption technologies*, and 24-hour monitoring of access to Fidelity data and information.

All customer data is transferred over the Internet using industry-standard encryption technology designed to be secure. Fidelity recommends that users take the following measures to maintain the highest level of security:

Make your passwords as obscure or abstract as possible. Avoid obvious numbers and words, such as maiden name, birth date, or an anniversary, which may be easy to guess. Don't tell anyone your password. Ideally, your password will be easy for you to remember so you won't have to write it down, but difficult for others to guess.

Please call a Fidelity Representative at 800-544-7931 if you have any further questions on security with the account download service.

* In an effort to provide a higher degree of confidentiality and security for your personal financial information, Fidelity strongly recommends the use of 128-bit encryption browser. Encryption is the process for scrambling your trading and account information as it passes between Fidelity and your computer. The encryption process is built into most Internet browsers. The larger the number of bits for encryption (e.g. 128) the more difficult it is for an unauthorized person to unscramble the transmission.

A browser that supports 128-bit encryption is the most secure way to access your Fidelity information. Fidelity may only be liable for losses resulting from unauthorized transactions if it does not follow reasonable security procedures for verifying the identity of a user. Fidelity recommends that you verify the accuracy of your confirmation statements immediately after you receive them.

The password number you use to download your account data is the same password you use for Fidelity online trading and FAST phone access. If you have forgotten your password, you can establish a new password online, it just takes a few minutes.

Yes. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts into Quicken®. If you need assistance importing your Fidelity NetBenefits account information, call 800-581-5800.

Fidelity does not support online bill payment through Quicken® personal financial software programs. We suggest you enroll in the free Fidelity BillPay® to pay your bills through fidelity.com. Your processed bill payment transactions will be automatically downloaded into Quicken® when you use the account download service.

Yes. Some transaction types do not appear in the information displayed once you download your account. You can always refer to your account on Fidelity.com or your regular account statements for an accurate representation of your account history.

If you need further assistance downloading your Fidelity account information into Quicken®, please call Fidelity at 800-544-7931 and a specialist will be able to assist you.

Quicken® recognizes cash transactions in a Fidelity account, as it would in a checking account, when you follow these steps:

After a successful download of your History data into Quicken®, choose Tools > Accounts List from the Main Menu.
Select the investment account to which you'd like to add a linked checking account, then click the Edit button. On the General Information tab on the Account Details window, choose "Yes" to "Show cash in a checking account." Quicken® will prompt you to back up your data file.
Once the backup is complete, the linked checking account is created in Quicken® with the same name as your investment account, plus the suffix "Cash." Click the OK button to save your changes.
Quicken® converts all transactions in the investment account to their transfer equivalents. For example, "Buy" transactions are converted to "Buy X" transactions, and "Sell" transactions are converted to "Sell X" transactions

Yes. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts into Quicken®. If you need assistance importing this type of account information, call 800-581-5800.

You can export your investment holdings, account balances, along with 90 days of transaction history for your personal accounts. Additionally, you can get transaction history up to 24 months. If you need assistance please contact Fidelity at 800-544-7931. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts.

Sometimes a browser doesn't receive all the data transferred from the server, which can cause spaces where the images should be. To solve the problem, try any of the following:

• Click the Reload/Refresh button at the top of the browser. This will cause the information to be transferred to the browser again.
• Try clearing the browser's cache.
• If the links to the images are no longer active, you will not be able to download them.

Any Internet-enabled mobile device will allow access to Fidelity Mobile^SM. Once enrolled in a data service plan, you can access Fidelity Mobile^SM from the browser of your device by bookmarking http://fidelity.mobi or https//fidelity.com. Or for employer sponsored accounts, bookmark http://NetBenefits.com, http://fidelity.com/atwork, and http://401k.com.

Fidelity's Full View site is best viewed using these browsers:

Internet Explorer

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