Open an Account with Fidelity (2022)

1. Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.

2. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). There is an Options Regulatory Fee that applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options Opens in a new window. Supporting documentation for any claims, if applicable, will be furnished upon request.

3. The Fidelity® Cash Management Account is a brokerage account designed for investing, 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®.

4. Your Fidelity Cash Management 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.

The Fidelity® Debit Card is issued by PNC Bank, N.A. or Leader 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, and Fidelity is not affiliated with PNC Bank or BNY Mellon. The parent company of Fidelity has a minority percentage, noncontrolling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank and Leader Bank pursuant to a license from Visa U.S.A. Inc.

(Video) How To Open a Fidelity Investment Account (Step-by-Step)

5. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. 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 FDIC.govor call 877-ASK-FDIC. 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 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/FCMACoreBanksto see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).

6. Fidelity Go®, Fidelity® Wealth Services, Fidelity Managed FidFolios℠ and Fidelity® Strategic Disciplines are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser, for a fee. Fidelity® Strategic Disciplines includes the Breckinridge Intermediate Municipal Strategy, the Fidelity® Equity-Income Strategy, the Fidelity® U.S. Large Cap Equity Strategy, the Fidelity® International Equity Strategy the Fidelity® Tax-Managed International Equity Index Strategy, the Fidelity® Tax-Managed U.S. Equity Index Strategy, the Fidelity® Intermediate Municipal Strategy and the Fidelity® Core Bond Strategy. Fidelity Managed FidFolios℠ includes the Environmental Focus Strategy, the U.S. Large Cap Index Strategy, and the International Index Strategy. Portfolio Advisory Services accounts are discretionary investment management accounts offered through Fidelity® Wealth Services. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

7. You may exclude up to five individual stocks or two industries in your account.

8.

​Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction. ​​

9. The S&P 500 Index is an unmanaged, market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance.

MSCI EAFE Index (Net MA Tax) is an unmanaged, market capitalization-weighted index that is designed to measure the investable equity market performance for global investors in developed markets, excluding the U.S. and Canada. Index returns are adjusted for tax withholding rates applicable to U.S.-based mutual funds organized as Massachusetts business trusts.

(Video) How to Open a Brokerage Account / Roth IRA - Fidelity Example

You cannot invest directly in an index. Securities indexes are not subject to fees and expenses typically associated with managed accounts.

10.

Fidelity Personal and Workplace Advisors LLC (FPWA) has engaged Breckinridge Capital Advisors, Inc. to provide the day-to-day discretionary portfolio management of Breckinridge Intermediate Municipal Strategy accounts, including investment selection and trade execution, subject to FPWA’s oversight. Breckinridge is an independent registered investment adviser and is not affiliated with any Fidelity Investments company.

11. Your Youth 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.

12. No account minimums and no account fees apply to retail brokerage accounts only. Account minimums may apply to certain account types (e.g., managed accounts) and/or the purchase of some Fidelity mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. There may also be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts) Additionally, accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. See Fidelity.com/commissions for more information and/or the fund's prospectus for details.

13.

(Video) How To Open a Roth IRA with Fidelity for Beginners

The Attainable Savings Plan is offered by the Massachusetts Educational Financing Authority and managed by Fidelity Investments. Qualified ABLE programs offered by other states may provide their residents or taxpayers with state tax benefits that are not available through the Attainable Savings Plan. If you are not a resident of Massachusetts, you should consider whether your home state offers its residents or taxpayers state tax advantages or benefits for investing in its qualified ABLE program before making an investment in the Attainable Savings Plan.

14. Guarantees apply to certain insurance and annuity products and are subject to product terms, exclusions and limitations and the insurer's claims-paying ability and financial strength.

15. Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor an issuer of this card is Elan Financial Services, pursuant to license from Visa U.S.A., Inc.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A., Inc.

Units of the portfolios are municipal fund securities and are subject to market fluctuation and volatility. You may have a gain or loss when you sell your units.

Deferred Income Annuity contracts are irrevocable, have no cash surrender value and no withdrawals are permitted prior to the income start date.

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Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and in New York, by Empire Fidelity Investments Life Insurance Company (EFILI),® New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

*System availability and response times may be subject to market conditions.

Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. These risks may be magnified in foreign markets. Investing in stock involves risks, including the loss of principal.

In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible. Any fixed income security sold or redeemed prior to maturity may be subject to loss. The municipal market can be affected by adverse tax, legislative, or political changes, and by the financial condition of the issuers of municipal securities.

For information regarding how Fidelity representatives are compensated, view Fidelity Representatives' Compensation Disclosure (PDF).

Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

Before investing, consider the investment objectives, risks, charges, and expenses of the mutual fund, exchange-traded fund, 529 plan, Attainable Savings Plan, or annuity and its investment options. Contact Fidelity for a prospectus, offering circular, Fact Kit, disclosure document, or, if available, a summary prospectus containing this information. Read it carefully.

(Video) How To Open a Brokerage Account with Fidelity

FAQs

How long does Fidelity take to approve an account? ›

Approval time

We'll let you know which options tier you're approved to trade—either by email in 1 to 2 days or by US Mail generally within 3 to 5 days. You can also check the status of your application online.

How much do you need to open a Fidelity account? ›

(Fidelity charges $0 account fees and has no minimums for opening or maintaining a brokerage account.)

Is Fidelity easy to use for beginners? ›

Based on our scoring methodology, Fidelity is a broker that we can recommend for beginners. Let's take a look at its services one by one, following the criteria we set above, to get the whole picture. 💻 When it comes to its web platform, Fidelity might suit the needs of beginners: User-friendly. Clear fee report.

How much money do you need for Fidelity? ›

There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10.

What credit score do you need for Fidelity? ›

The Fidelity® Rewards Visa Signature® Card requires excellent credit, generally defined as a credit score of 720 or above. Credit scores alone don't guarantee approval, though. Credit card issuers will also look at your income and other information.

Does Fidelity make funds available immediately? ›

SAME DAY AVAILABILITY.

Our policy is to make funds from cash, checks, and electronic direct deposits available to you on the same day that we receive your deposit. At that time, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written.

What is the minimum balance of Fidelity bank? ›

Maintain a $500 minimum balance; Maintain a $10,000 combined average balance in all related deposit accounts.

Is the Fidelity account good for beginners? ›

Fidelity is a great choice for beginner investors who are just getting started to sophisticated day traders. Fundamental and technical traders who need comprehensive research capabilities for stocks, exchange-traded funds (ETFs) and fixed income will find everything they need on this platform.

Is Fidelity Investments good for beginners? ›

Fidelity is one of the largest and one of the most well-rounded brokerages available in the US today. Importantly, Fidelity offers $0 commission stock and ETF trades, plus a high-quality mobile app that's good for both beginners and seasoned investors.

Which broker is better for beginners? ›

The best online stock brokers for beginners:

Fidelity Investments. Charles Schwab. TD Ameritrade. E-Trade Financial.

Does Fidelity charge a monthly fee? ›

Account management fee: 4.5 out of 5 stars

As noted above, Fidelity Go charges no fees for accounts below $25,000, and a flat monthly fee of $3 for account balances between $25,000 and $49,999. Fidelity charges a 0.35% management fee, with no additional investment expenses, for accounts $50,000 and higher.

What account type should I open with Fidelity? ›

To transfer assets to Fidelity from another firm, first open a compatible Fidelity account.
Account to roll overCompatible Fidelity account
401(k) or other pre-tax qualified plan*Rollover IRAOpen Now
Designated Roth AccountRoth IRAOpen Now
403(b) – pre-taxRollover IRAOpen Now
457(b) – governmentRollover IRAOpen Now
2 more rows

Does Fidelity give free money? ›

Fidelity Account – $100 Cash

Fidelity has a new account promotion where you can get $100 for opening a Fidelity Account, Cash Management Account, Roth or Traditional IRA. All you have to do is deposit $50 or more within 15 days and you'll get the $100 within 25 days of opening your account.

How much money can you withdraw from Fidelity? ›

The maximum withdrawal amount using Fidelity.com or telephone is $100,000 per account. For withdrawals greater than $100,000, requests must be made via a completed paper form. To get a copy of the form, contact a Fidelity representative at 800-544-6666.

Is it free to withdraw money from Fidelity? ›

We have good news for you: basic withdrawal at Fidelity is free of charge.

Does Fidelity check your credit for employment? ›

A background check on all potential employees is required and will include employment and education verification, a criminal, regulatory and credit check (where applicable), a drug screen according to Federal guidelines, and fingerprinting.

What credit score is needed for a 30000? ›

You will likely need a credit score of at least 660 for a $30,000 personal loan. Most lenders that offer personal loans of $30,000 or more require fair credit or better for approval, along with enough income to afford the monthly payments.

Is 619 good credit? ›

A FICO® Score of 619 places you within a population of consumers whose credit may be seen as Fair. Your 619 FICO® Score is lower than the average U.S. credit score. Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future.

What bank does Fidelity use? ›

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.

How long does it take to withdraw cash from Fidelity? ›

When will my funds be available? EFTs in and out of Fidelity accounts are generally received within 1-3 business days, though the funds may be immediately available for trading. Electronic funds transfers (EFTs) are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays.

Does Fidelity give instant deposit? ›

Fidelity Bank will receive your deposits directly and deposit them to your account same day.

Are Fidelity accounts free to open? ›

Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.

Why is Fidelity so good? ›

Fidelity provides commission-free US stocks and ETFs. In addition, it offers plenty of high-quality research tools, including trading ideas, detailed fundamental data and charting. The web trading platform is easy to use, and offers advanced order types. You can also trade with international, not just US stocks.

How much money do I need to start investing? ›

You don't need a lot of money to start investing. In fact, you could start investing in the stock market with as little as $10, thanks to zero-fee brokerages and the magic of fractional shares.

What is Fidelity best for? ›

Fidelity offers a good selection of assets, including stocks, ETFs, options, fixed income, and mutual funds. Fidelity supports currency exchange, but not forex trading. The mobile app has all the same asset classes as Fidelity's web and Active Trader Pro platforms, with the exception of fixed income.

What is the safest fund at Fidelity? ›

Here are the seven best Fidelity mutual funds to buy and hold in 2022.
  • Fidelity Zero Total Market Index Fund (ticker: FZROX) ...
  • Fidelity Zero Large Cap Index Fund (FNILX) ...
  • Fidelity Zero International Index Fund (FZILX) ...
  • Fidelity 500 Index Fund (FXAIX) ...
  • Fidelity Large Cap Value Index Fund (FLCOX)
15 Sept 2022

Who is better Vanguard or Fidelity? ›

In fact, Fidelity is our overall pick for the best online broker in 2022, so it is very hard to beat. All that said, Vanguard still offers some of the lowest-cost funds in the industry and will appeal to buy-and-hold investors, retirement savers, and investors who want access to professional advice.

Does Fidelity charge an annual fee? ›

With no account fees and no minimums to open a retail brokerage account, including IRAs. Get detailed pricing and learn more about how we compare to others on service, security, and more . account.

Who is the No 1 broker? ›

After testing 15 brokers and collecting 3,075 data points, we found that TD Ameritrade has the best desktop trading platform, E*TRADE has the best web trading platform, and Fidelity has the best investor app.

Can a broker make millions? ›

Myth #1: All Stockbrokers Make Millions

The average stockbroker doesn't make anything near the millions that we tend to imagine. In fact, some lose a lot of money through their trading activities. The majority of companies pay their employees a base salary plus commission on the trades they make.

Which broker is the cheapest? ›

Fidelity: Best Low-Cost Online Broker
  • Account Minimum: $0.
  • Fees: $0 for stock/ETF trades, $0 plus $0.65/contract for options trade.

Why did Fidelity charge me $50 commission? ›

In either case, the domestic commission schedule for stocks/ETFs will apply. A $50 fee will also be charged on each transaction in any foreign ordinary stock that is not Depository Trust Company eligible. Retirement and non-retirement accounts are eligible for this service.

How do I withdraw money from Fidelity? ›

Questions? Go to Fidelity.com/movemoney or call 800-343-3548. Use this form to make a one-time withdrawal from your nonretirement Brokerage or Mutual Fund Only account.

Is there a fee to close a Fidelity account? ›

There is the possibility of being charged a fee when your account is closed. Don't worry – a statement specifying the fee amount will be sent to you. Then, Fidelity is going to send you a payment for any money you have left in your account at the time of the closure.

Can I use Fidelity like a bank? ›

Customers interested in securities trading should consider a Fidelity Account®. Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance.

Is Fidelity GO worth it? ›

Bottom line: Fidelity Go is best for hands-off investors looking for automated investment management with low fees, and it doesn't require an account minimum to get started. A downside, however, is that it doesn't offer custodial accounts, SEP IRAs, or SIMPLE IRAs.

What is the best investing account type? ›

11 Best Investment Accounts [Types for Beginners to Use, 2022]
  • Brokerage Accounts.
  • Money Market Fund (Cash Equivalents) Retirement Accounts.
  • 401(k)
  • 403(b) & 457 Plans.
19 Oct 2022

Is Fidelity still offering $100? ›

Starting on May 23, 2022, when you open an eligible account and make a deposit of $50 or more, you'll receive a $100 cash reward deposited into the eligible account that qualified you for the offer. Fidelity reserves the right to modify the terms and conditions or terminate the offer at any time.

How much money can you transfer from Fidelity to bank account? ›

The transfer limit for bank wires is $100,000 per day, per client. The minimum amount for each bank wire is $100. Like EFTs, if you need to wire more than $100,000 in one business day, you can call our customer service line for assistance.

How much can you deposit into Fidelity? ›

For 2021: You can contribute up to $6,000. If you're age 50 or older, you can add an additional $1,000 for a yearly total of $7,000. For 2022: You can contribute up to $6,000.
...
Overnight/Certified Mail:
Error messageAction
Duplicate checkNo action required. This check has already been submitted for deposit.
5 more rows

How much tax does Fidelity take out? ›

IRS regulations require Fidelity to withhold federal income tax at the rate of 10% from your total withdrawal unless your withdrawal is from a Roth IRA, or unless you elect otherwise.

Why is Fidelity charging me a fee? ›

Fidelity will charge a short term trading fee each time you sell or exchange shares of FundsNetwork No Transaction Fee (NTF) funds held less than 60 days (short-term trade).] At the time you purchase shares of a fund, those shares will be assigned either a TF, NTF or Load status.

What ATM does Fidelity use? ›

ATM/Debit

Use your Fidelity® Debit Card to make purchases or get cash anywhere you see the Visa®, Plus®, or Star® logos. All ATM withdrawal fees reimbursed with a cash management account.

How long does it take to transfer money from Fidelity to bank account? ›

If you choose to transfer your money electronically to another account, such as a checking or savings account, your withdrawal should process within 1 to 3 business days if you submit your request by 4 p.m. ET.

How long does it take Fidelity to process paperwork? ›

Once Fidelity receives your paperwork and determines it is in good order, most transfers take 3 - 5 weeks to complete. If you transfer your assets in full, the transaction may be automated and the process may take less time to complete.

How do I check the status of my Fidelity application? ›

Apply online. How can I check the status of my application? Calll 1-800-364-9648 and choose Option 2 for the status of an application.

How long does it take for an online account to be approved? ›

If you're opening an account online and you've gathered all your materials beforehand, you may be able to complete an application within 10 to 15 minutes (or less). Processing your application and issuing your account number could take a day or two.

How long does Fidelity take to process orders? ›

Depends on fund family, usually 1–2 days. Next-day settlement for exchanges within same families. Funds cannot be sold until after settlement.

Can you withdraw money from Fidelity? ›

You can withdraw money from your Fidelity brokerage account and: Transfer it to another account you own using the Fidelity Electronic Funds Transfer account service, or. Have the money sent to your mailing address via check.

When can I withdraw cash from Fidelity? ›

Generally, 7-10 business days after establishing Electronic Funds Transfer on your account, you can begin to withdraw money from, as well as deposit to, your Fidelity account using Fidelity.com.

How do I pass a Fidelity interview? ›

Successful interview tips
  1. Pack your bag ahead of time. Plan to bring extra copies of your resume, a notebook, pen, and a list of references. ...
  2. Be courteous. Show an added level of respect for people during the day of your interview. ...
  3. Don't run late. ...
  4. Make a great first impression. ...
  5. Be conversational. ...
  6. Ask for the job.

Does Fidelity check employment history? ›

Does Fidelity TalentSource require any background checks? A background check on all potential employees is required and will include employment and education verification, a criminal, regulatory and credit check (where applicable), a drug screen according to Federal guidelines, and fingerprinting.

How long is Fidelity interview process? ›

The entire hiring process takes between one to three months depending on the position. While it varies, most people have at least two rounds of face-to-face interviews-the first with recruiting and hiring managers, and the second with the team.

Can I open a bank account online and use it right away? ›

Yes, you can open a bank account completely online, without ever going into a bank branch.

How long is account opening process? ›

It hardly takes 24 hours to open a bank account in today's time. Once you submit the application form and the supporting documents, the only time consumed is verifying the originality of those documents, post which the bank account is opened up immediately, and you receive your toolkit on the same day or the next day.

What proof do you need to open a bank account? ›

Documents we can accept in branch and by post:
  1. Adult proof of ID. Adult proof of address.
  2. Student proof of ID. Student proof of address.
  3. Under 18 proof of ID. Under 18 proof of address.

Why Fidelity is the best? ›

Fidelity combines $0 commissions, top-notch research, and an excellent mobile app, all in a simple platform. With $0 account minimums and zero-expense-ratio index and mutual funds, this is one of the most affordable brokers.

Is Fidelity a good company? ›

Fidelity is a great choice for beginner investors who are just getting started to sophisticated day traders. Fundamental and technical traders who need comprehensive research capabilities for stocks, exchange-traded funds (ETFs) and fixed income will find everything they need on this platform.

Videos

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3. How to Open an Account and Invest at Fidelity
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