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All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity. Opening a Fidelity account automatically establishes a core position, used for processing cash transactions and for holding uninvested cash. When you sell a security, the proceeds are deposited in your core position.
When you buy a security, cash in your core position is used to pay for the trade. This happens automatically—you do not have to "sell" out of your core account to make a purchase. You may also settle trades using margin if it has been established on your brokerage account.
Government Agency and Treasury debt, and related repurchase agreements. Intended for investors seeking as high a level of current income as is consistent with the preservation of capital and liquidity. Treasury securities and related repurchase agreements. Fidelity may use this free credit balance in connection with its business, subject to applicable law.
Fidelity may pay you interest on this free credit balance, and this interest will be based on a schedule set by Fidelity, which may change from time to time. As of April 6, , the interest rate for this option will depend on the balance amount: Generally speaking, these are the options available to you at the time you open your account.
However, certain types of accounts may offer different options from those listed here. Please keep in mind that once your account has been established, you can change your core position to any other option that Fidelity might make available for that purpose. After your account has been established, you can change your core position to any other core position Fidelity might make available for this purpose.
Although you can have only one core position, you can still invest in other money market funds. If you would like to change your core position after your account has been established, you can do so online or by calling a Fidelity representative at Learn more about Money Market Mutual Funds.
You could lose money by investing in a money market fund. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.
Fidelity's government and U. Normally at least Government securities and repurchase agreements for those securities. Certain issuers of U. Government securities are sponsored or chartered by Congress, but their securities are neither issued nor guaranteed by the U. Investing in compliance with industry standard regulatory requirements for money market funds for the quality, maturity, and diversification of investments.
Treasury securities and repurchase agreements for those securities. Additional options might be available by calling your representative. All brokerage securities held in an account are listed under a single brokerage account number. This number always has 9 characters and can be found in your portfolio summary. See how to determine your routing and account numbers for direct deposit. Collection periods vary depending on the deposit method. The collection period for check and EFT deposits is generally 4 business days.
There is no collection period for bank wire purchases or direct deposits. Trade proceeds vary according to the security being traded.
Settlement times for trades. Fidelity may waive this requirement for customers with previous Fidelity credit history or mutual fund assets on deposit. A benefit of the core position is that it allows you to earn interest on uninvested cash balances. Interest is calculated on a daily basis and is credited on the last business day of the month. Balances display values that change with market price fluctuations on the underlying securities in your account.
Essentially, it is a complete recalculation based on price fluctuations of positions, trade executions, and money movement into or out of the account. Balances reflect trade executions and money movement into and out of the account during the day.
Balances display values after a nightly update of the account. In some cases, certain balance fields can only be updated overnight due to regulatory restrictions. You can view up to nine years' worth of interactive statements online under statements. Your tax documents will still arrive by mail. View a full list of account features that you can update.
To get started, fill out a form available in account access rights. Money market funds held in a brokerage account are considered securities. It also does not cover other claims for losses incurred while broker-dealers remain in business. This is the maximum excess of SIPC protection currently available in the brokerage industry. Both SIPC and excess of SIPC coverage is limited to securities held in brokerage positions, including mutual funds if held in your brokerage account, and securities held in book-entry form.
Neither SIPC nor the additional coverage protects against loss of market value of the securities. Certain assets are not eligible for SIPC protection. Among the assets typically not eligible for SIPC protection are commodity futures contracts and precious metals, as well as investment contracts such as limited partnerships and fixed annuity contracts that are not registered with the U. Securities and Exchange Commission under the Securities Act of In accordance with the SEC rule 15c, often known as the "Customer Protection Rule," Fidelity protects client securities that are fully paid for by segregating them and ensuring that they are not used for any other purpose, such as for loans to investors or institutions, corporate investment purposes, and spending.
This practice helps ensure that customers have access to these securities at all times. Customer assets may still be subject to market risk and volatility. Protecting your personal information When you use the Fidelity web site, we want to make sure you have the peace of mind that comes with knowing that your information is safe and secure. That's why we only allow access to your account using confirmed information, such as your Social Security number or a username and password that you've created.
We generally recommend using a username and password instead of your Social Security number as that combination can offer increased protection. However, no matter which mode of access you choose, we protect your information using the strongest encryption available to us.
We also offer the same encryption when you access your accounts using your mobile device. Furthermore, we also offer protection for your assets in the case of unauthorized activity in your account. For more information, please see our Customer Protection Guarantee. No, our product and service offerings for customers and prospective customers who reside outside of the United States are limited.
While the questions below provide a general overview of those limits, because so much is dependent on the particulars of your specific situation, we suggest you call us at to learn about how they apply to you. If you are calling us from outside the United States, please visit Fidelity Phone Numbers, For Customers Traveling Abroad to see a list of available international phone numbers available.
Fidelity does not provide discretionary asset management services to customers who reside outside the United States.
If you move outside the United States, your discretionary asset management relationships will be terminated, and certain mutual funds held in those accounts may be liquidated as part of that termination.
The services provided by our representatives are limited to those that are ministerial or administrative in nature. Among other things, this means that our representatives do not engage in discussions with customers about such topics as asset allocation, income planning, or portfolio composition.
Customers residing outside the United States will not be allowed to purchase shares of mutual funds. There are additional restrictions that may apply, depending on the country where you now reside. Customers in certain countries may be limited to selling their existing holdings and withdrawing the proceeds from their accounts.
They will not be able to make deposits in their accounts, or buy any additional securities. In most other countries, the restrictions will be less onerous, but customers may still experience certain limitations for example, margin lending or options trading may not be permitted, or a certain type of account will experience trading restrictions. Other than certain holdings in previously discretionary managed accounts, you can continue to maintain your mutual fund holdings until you decide to sell them.
Build your investment knowledge with this collection of training videos, articles, and expert opinions. Skip to Main Content. Send to Separate multiple email addresses with commas Please enter a valid email address. Your email address Please enter a valid email address. General How does cash availability work in my account? What are the investment options for my core position? Where can I find my account number s? When are deposits credited? When do trades, checks, bill payments, and check card purchases clear my core position?
How is interest calculated? Where can I see my balances online? What do the different account values mean? What is an interactive statement, and where can I see my interactive statement online? How do I add or change the features offered on my account?
How do I give someone else the right to view or transact in my account?