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Fidelity Cash Management

Headquarter:

Boston, MA, USA

Visit Fidelity Cash Management Official Site ↗

Overall (9.1/10)

Interest Rates & APY (9.3/10)

Fees & Minimums (9.5/10)

Customer Service (9.1/10)

Mobile App & Digital Banking (9.3/10)

Rewards & Perks (9.5/10)

Alex Parker, CFA

Senior Banking Editor

Email 418 Articles

October 28th, 2026

Fidelity Cash Management Review:

Intro

Fidelity Investments offers the powerhouse Fidelity Cash Management Account - combining unlimited worldwide ATM fee reimbursements, free check writing, up to $5M FDIC sweep (or ~4.70% SPAXX Treasury Money Market core position), Brokered CDs, and the Fidelity Rewards Visa Signature Card (unlimited 2% cashback).

Full Review

Fidelity Cash Management (Boston, MA, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. Fidelity Investments offers the powerhouse Fidelity Cash Management Account - combining unlimited worldwide ATM fee reimbursements, free check writing, up to $5M FDIC sweep (or ~4.70% SPAXX Treasury Money Market core position), Brokered CDs, and the Fidelity Rewards Visa Signature Card (unlimited 2% cashback).

In our comprehensive 2026 review, Fidelity Cash Management earned strong marks across rate competitiveness (4.00% - 4.70% Yield (SPAXX Core)), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at Fidelity Cash Management.

Pros

Unlimited 100% reimbursement of all ATM fees worldwide with $0 foreign transaction fee on debit
Choose between up to $5M FDIC program bank sweep or high-yield SPAXX Government Money Market core
Fidelity Rewards Visa Signature Card pays unlimited 2% cashback into your Fidelity account with $0 annual fee
Access to thousands of top-rate Brokered CDs from dozens of U.S. banks in one dashboard

Cons

Brokerage-based cash management account rather than a traditional commercial bank charter
Paper check deposits have longer hold times for brand-new accounts

Feature	Value
Overall Rating	4.9
Savings APY / AER	4.00% - 4.70% Yield (SPAXX Core)
Deposit Insurance	FDIC / NCUA Insured ($250k+)

Fidelity Cash Management: Products

Fidelity Cash Management Account

Fidelity Rewards Visa Signature Credit Card

Fidelity Fractional & Brokered CDs

Fidelity Cash Management: Categories

CD Rates & Fixed Deposits

Rated 9.2

Credit Cards

Rated 9.1

High-Yield Savings

Rated 9

Checking Accounts

Rated 8.9