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Direct Deposit

Direct Deposit your Federal income tax refund into up to three Accounts

The IRS has enhanced the direct deposit options for your Federal income tax refund, permitting you to divide your refund among up to three accounts.

Direct Deposit your Federal income tax refund into your Fidelity Account(s)

You may be able to direct deposit your IRS or state tax refund into your Fidelity
account(s). Refer to IRS or state instructions on direct deposit to determine if you can use this feature.

Tax refunds deposited into a Fidelity IRA in 2011 will be treated as 2011 tax–year contributions. The 2011 aggregate annual contribution limit for Roth and Traditional IRAs remains unchanged from the 2010 limit — $5,000 ($6,000 if you are age 50 or over as of 12/31/11). If you wish to designate the refund deposit as a 2010 tax–year contribution, please contact a Fidelity representative after the deposit has been received by Fidelity. In order to qualify as a 2010 tax–year contribution, the deposit must be received by Fidelity no later than April 18, 2011. Please note: The 2010 aggregate annual contribution limit for Roth and Traditional IRAs is $5,000 ($6,000 if you are age 50 or over as of 12/31/10).

For IRS refunds, if you are depositing your refund into only one account, you can simply fill out the two lines in the refund section of Form 1040 or Form 1040–A – one line is for the routing number and the other one for your account number (see below). If you want to deposit your refund into two or more accounts, you will need to fill out IRS Form 8888 and indicate on Form 1040 or Form 1040-A that you have attached that form. For state refunds, the refund section for state income tax return forms varies from state to state.

Use the routing number and account type below for all direct deposits to your Fidelity brokerage, Fidelity® Cash Management Account, Fidelity funds, and/or 529 college savings plan account.

Routing number: 101205681 Type: Checking
Account number: See instructions below

Direct Deposit to Your Brokerage or Fidelity® Cash Management Account

Your refund will be deposited into your core account.

If you have a brokerage account, then your depositor account number consists of the Fidelity prefix + your Fidelity Account® number.

For brokerage accounts that begin with X, Y, or Z:

Fidelity prefix + your account number
Fidelity Prefix image number 1   Customer account number image

For example, if your brokerage account number is X23-456789, then your 17-digit depositor account number is 39900000X23456789.

In some cases, tax authorities are unable to use letters in the account number field. In order to accommodate a direct deposit in these instances, please substitute the following:

  • X replaced by the number 5
  • Y replaced by the number 6
  • Z replaced by the number 7

In this example, the account would be entered as 39900000523456789.

For brokerage accounts that consist of 9 digits :

Fidelity prefix + your 9-digit account number
Fidelity Prefix image number 2   Customer account number image

For example, if your brokerage account number is 603-123456, then your 17-digit depositor account number is 39900001603123456.
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Direct Deposit to Your Mutual Fund Account

Fidelity fund accounts that begin with a "2" followed by two letters

To determine your direct deposit account number:

  • Begin with Fidelity prefix 392
  • Then the 5 digit Fidelity fund number of the mutual fund you want to deposit to (if your fund number is less than 5 digits, add zeros to the beginning)
  • Then your 9-digit mutual fund account number For example: If your account number is 2AA123456, and your fund number is 0055, then your 17-digit account number is: 392000552AA123456

If your employer cannot accept letters in your direct deposit account number:

Your account has an alternate number, known as a T account number. This number for your account is available on the Checkwriting & Deposit Slips (requires log in) page.

To determine your 17-digit direct deposit account number:

  • Begin with Fidelity prefix 392
  • Then the 5 digit Fidelity fund number of the mutual fund you want to deposit to (if your fund number is less than 5 digits, add zeros to the beginning)

Then the "T account" number excluding the T (e.g., (remove T) 789789789) For example, if your direct deposit number is T789789789 and the fund is 055, Cash Reserves, the direct deposit number is 39200055789789789

Fidelity prefix + 5–digit fund number + your 9–digit account identifier
Fidelity Prefix image number 3 Image of five digit fund number Customer account number image
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Direct Deposit to Your 529 College Savings Plan Account

Your refund will be deposited according to the most recent investment allocation information on file for your 529 account (as indicated either on your Account Application or Allocation Change Form).

If you have a 529 account, then your depositor account number consists of the Fidelity prefix + your Fidelity Account® number.

Fidelity prefix + your 9-digit account number
Fidelity Prefix image number 2 - Customer account number image

For example, if your 529 account number is 603-123456, then your 17-digit depositor account number is 39900001603123456.
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The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Fidelity does not provide legal or tax advice. Fidelity cannot guarantee that such information is accurate, complete, or timely. Laws of a particular state or laws which may be applicable to a particular situation may have an impact on the applicability, accuracy, or completeness of such information. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Fidelity makes no warranties with regard to such information or results obtained by its use. Fidelity disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Before using the Fidelity Tax Center, review important legal information and terms of use applicable to products, services, and/or information provided by, or accessed through, the Tax Center by the following companies:

Fidelity Investments   H&R Block   Intuit   CCH  GainsKeeper  TradeLog

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