Fidelity Investments offers a debit card that can be used at ATMs worldwide, wherever the Visa, Plus, or Star logos are displayed. This includes ATMs with the Allpoint or MoneyPass logos, as well as Leader Bank ATMs. The card is issued by PNC Bank, N.A., or Leader Bank, N.A., and is available for youth accounts and non-retirement brokerage and cash management accounts. While there is no annual fee for the card, other institutions may charge fees for using their ATMs. However, Fidelity reimburses ATM fees for certain account types, such as the Fidelity Cash Management Account and the Fidelity Youth Account.
Characteristics | Values |
---|---|
ATM Access | Worldwide access to over 1 million ATMs |
ATM Networks | Visa, Plus, Star, SUM, Allpoint, MoneyPass, Leader Bank |
ATM Fees | Reimbursed for all Fidelity accounts |
Foreign Transaction Fees | None |
Card Type | Debit card |
Card Issuers | PNC Bank, N.A., Leader Bank, N.A. |
Card Program Administrator | BNY Mellon Investment Servicing Trust Company |
Card Security | Contactless technology, chip technology, lock card feature |
Digital Wallets | Apple Pay, Google Pay |
Card Management | Fidelity Mobile app, online |
Card Delivery Time | 7-10 days |
What You'll Learn
Worldwide ATM access
Fidelity Investments offers its customers a debit card that can be used at over a million ATMs worldwide, wherever the Visa, Plus, or Star logos are displayed. This means that you can access your money from almost anywhere in the world.
The card is available for youth accounts and non-retirement brokerage and cash management accounts with individual, joint tenant, and trust registrations. It is not available for retirement, business, corporate, or Fidelity-managed account registrations.
The card has no annual fee, and there are no foreign transaction fees. However, if you choose to pay for a foreign transaction in US dollars, the transaction may be processed at a different rate than the market exchange rate.
Fidelity will reimburse you for all ATM fees charged by other institutions when using the Fidelity Debit Card at any ATM displaying the Visa, Plus, or Star logos. The reimbursement will be credited to your account on the same day the ATM fee is debited.
To use your card at an ATM, simply select that you are withdrawing funds from a checking account. You can also use your card to make purchases anywhere Visa is accepted.
Fidelity also offers a digital card that can be connected to your mobile device through Apple Pay or Google Pay, allowing you to make secure and convenient payments.
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ATM fee reimbursement
Fidelity does not have its own ATMs, but it does offer a debit card that can be used at ATMs worldwide, wherever you see the Visa, Plus, or Star logos. While other institutions may charge fees for the use of their ATMs, Fidelity offers ATM fee reimbursement for certain account types.
Fidelity Cash Management Account owners, Youth Account owners, or Fidelity Account owners coded Premium, Active Trader VIP, Private Client Group, Wealth Management, or former Youth Account owners will be reimbursed for all ATM fees charged by other institutions. The reimbursement will be credited to the account on the same day the ATM fee is debited.
Please note that there may be reimbursement caps or limits, which can be found in the Fidelity Debit Card Agreement. Additionally, if the ATM fee is not separated from the transaction amount, reimbursement is not automatic but can be processed upon request.
Fidelity does not charge any foreign transaction fees. However, if you choose to pay for a foreign debit card transaction in US dollars, the transaction may be processed at a different rate than the market exchange rate.
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No foreign transaction fees
The Fidelity® Debit Card is an ATM/debit card that does not charge any annual or foreign transaction fees. The card can be used to make purchases wherever Visa is accepted and to withdraw cash at over a million ATMs worldwide, anywhere displaying the Visa, Plus, or Star logos.
Fidelity does not charge any foreign transaction fees. However, if you choose to pay a foreign debit card transaction in US dollars, your transaction may be processed at a rate different from the market exchange rate.
Fidelity offers free access to any ATM with its Fidelity® Debit Card. The card provides worldwide ATM access and reimburses all ATM fees when used as part of a Fidelity® Cash Management Account. Reimbursements are also available with a Fidelity brokerage account.
Fidelity's debit card also offers a range of security features, including transaction alerts, contactless technology, card locking, digital card, fraud text alerts, and mobile and online card management.
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ATM withdrawal limits
Fidelity Investments offers a free ATM/debit card with no annual fee. This card can be used for purchases wherever Visa is accepted and for cash withdrawals at more than a million ATMs worldwide, wherever the Visa, Plus, or Star logos are displayed.
The daily withdrawal limit for Fidelity account debit cards is $520 or 6 transactions, whichever comes first. This limit is subject to the amount available to withdraw from your account. It is possible to request a temporary or permanent increase to this limit, which is reviewed on a case-by-case basis.
Fidelity does not charge any fees for using ATMs, and any fees charged by other institutions for using their ATMs will be reimbursed. This reimbursement will be credited to your account on the same day the ATM fee is debited.
To check your daily withdrawal limit, you can log in to your account and access the "Manage Debit Cards" page.
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ATM card security
While it is unclear if Fidelity Investments has its own ATMs, the company does offer a debit card that can be used at over a million ATMs worldwide. This card comes with a range of security features to protect users from fraud. Here are some general guidelines for ATM card security, with specific reference to the features offered by Fidelity.
Treat Your Card Like Cash
Your debit card should be protected from physical damage and kept away from magnetic objects, which can deactivate the magnetic stripe. If your card has an EMV chip, ensure it remains intact.
Protect Your PIN
Never disclose your PIN to anyone, and do not write it down or store it on your phone. Avoid using personal information for your PIN, such as addresses, phone numbers, birth dates, or social security numbers. When entering your PIN, use your hand or body to shield the keypad from onlookers.
Be Wary of Public Wi-Fi and Unfamiliar Terminals
Avoid using public wireless access for financial transactions. Only use ATMs located at a bank, as those in convenience stores, subway stations, or airports may have a higher risk of "skimming" devices that steal your card data. Do not insert your card or enter your PIN into any terminal that looks suspicious or has been modified.
Report Problems Immediately
Report a lost or stolen card immediately and cancel it. If there are any unauthorized transactions, contact your bank right away. You may also want to consider filing a police report to support your case when seeking reimbursement from your bank.
Stay Vigilant
Regularly check your bank statements and monitor your transactions. Sign up for text or email alerts for account activity. Update your contact information with your bank so that they can reach you in the event of questionable transactions.
Other Tips
- Only give out your personal information when requested by a merchant.
- Be cautious of phone scams and "robo-calls" asking for your card details.
- Avoid responding to emails requesting sensitive information.
- Use your card for purchases instead of your PIN, as this may offer extra liability protection.
- Use digital wallets for secure and convenient transactions.
- Lock your card if you misplace it to prevent unauthorized use.
- Set up travel notifications to reduce the likelihood of your card being declined when travelling.
- If your card is expiring, expect to receive a new one about six weeks before the expiration date.
- Destroy your old card once the new one has been activated.
- If your card is damaged, lost, or stolen, request a replacement as soon as possible.
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Frequently asked questions
Fidelity Investments does not have its own ATMs but offers free access to over a million ATMs worldwide, including the SUM® Network ATMs, anywhere you see the Visa®, Plus®, or Star® logos.
You can get free access to any ATM with your Fidelity® Debit Card. You can also get reimbursed for all ATM fees when using the card as part of a Fidelity® Cash Management Account. Reimbursements are also available with a Fidelity brokerage account.
The Fidelity® Debit Card is an ATM/debit card that charges no annual fee. You can use the card for purchases where Visa is accepted and withdraw cash at ATMs worldwide wherever you see the Visa, Plus®, or Star® logos. The amount of the purchase will be withdrawn from your Available to Withdraw balance, and the debit will be posted to your Fidelity account within five business days.