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Cash Management

Your brokerage account comes standard with Electronic Funds Transfer (EFT) options, allowing you the ability to move money easily and with no charges between your personal bank account, and your brokerage account. The brokerage account automatically invests excess cash in your choice of three core money market funds, and withdraws it to cover debits. Your cash automatically continues to earn money market interest every day. Accounts wishing to avoid interest bearing instruments may opt to hold cash rather than invest in a money market fund.

Please read the accompanying Fidelity Cash Management Funds prospectus for more information. Yields, expenses, services, and charges (including possible 12b-1 fees) will vary. Money market funds pay daily dividends based upon the fund's portfolio of money market securities. An investment in a money fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in money market funds.

Brokerage Access
  • Available to accounts with balances over $5,000.
  • No annual fee.
  • Free checking with expense coding and payee details. Minimum dollar amount of check is $500.
    (Not available on Saturna IRA, HSA, ESA or 401(k) Accounts.)
  • Direct deposit to core money fund.
  • Online real-time quotes and market data available free.
  • Online bill payment. $5 per month for the first 12 transactions, $0.50 thereafter.
  • Online bill management (allows bills to be received by the account). $3 per month for the first 15 transactions, $0.50 thereafter.
  • Tax-lot accounting.
  • Performance reporting and financial planning tools available for extra fee.
Brokerage Portfolio
  • Available to accounts with balances over $15,000.
  • Annual fee of $100, waived for accounts with balances over $250,000.
  • Unlimited free checking with expense coding and payee detail. No minimums and no re-order fee.
    (Not available on Saturna IRA, HSA, ESA or 401(k) Accounts.)
  • Free Visa Platinum Debit Card, with rewards.
    (Not available on Saturna IRA, HSA, ESA or 401(k) Accounts.)
  • Direct deposit to core money fund.
  • Online real-time quotes and market data available free.
  • Online bill payment. Free for the first 12 transactions, $0.50 thereafter.
  • Online bill management (allows bills to be received by the account). $3 per month for the first 15 transactions, $0.50 thereafter.
  • ATM fee waived on first five transactions each month.
  • Tax-lot accounting.
  • Free performance reporting.
  • Consolidated monthly statement of all financial activity.
  • Downloads to Quicken® and Microsoft Money®.