Mailing Your Roth: Fidelity Investment's Address For Contributions

If you're looking to mail a Roth investment to Fidelity, there are a few different addresses to be aware of. For deposits intended for brokerage, 529, and mutual fund accounts, the address is:

> Fidelity Investments

> PO Box 770001

> Cincinnati, OH 45277-0003

For a rollover IRA, the address is:

> Fidelity Management Trust Company

> PO Box 770001

> Cincinnati, OH 45277-0037

It's important to note that you can also deposit a check via mobile upload or transfer money from one Fidelity account to another.

Depositing a check via mail

Step 1: Complete the Appropriate Form

First, you'll need to download and fill out the relevant deposit or contribution form. The specific form you need will depend on the type of account you have. The forms available include:

• 401(k) Contribution Remittance Form
• Non-Prototype Retirement Account Form
• Annuity Additional Purchase Form

You can also order pre-printed deposit slips if you prefer.

Step 2: Write Your Account Number on the Check

On the memo field of your check, be sure to include your account number. If relevant, also include the contribution year. This helps ensure that your deposit is correctly attributed to your account.

Step 3: Make the Check Payable to the Correct Entity

The payee on the check will depend on the type of account you have. Here's a breakdown of how to address the check for different account types:

• Brokerage, Cash Management, and 529 Accounts: "Fidelity Brokerage Services LLC"
• Mutual Fund Accounts: Fidelity fund name (e.g., "Fidelity Government Cash Reserves")
• Retirement Accounts (all types): "Fidelity Investments" or "Fidelity Investments Life Insurance Company" (for New York residents, use "Empire Fidelity Investments")
• Health Savings Accounts (HSAs): "Fidelity Management Trust Company" or "FMTC", FBO [your name]

Step 4: Mail the Check and Form

Finally, put your check and the completed form in the mail. The address will depend on the type of account and the delivery method. For U.S. Mail, use the following address:

Fidelity Investments

PO Box 770001

Cincinnati, OH 45277-0003

For Overnight or Certified Mail, use this address:

Fidelity Investments

100 Crosby Parkway, KC1H

Covington, KY 41015

Remember to allow sufficient time for delivery. For U.S. mail, Fidelity recommends allowing five business days for your check to arrive and be processed.

Mailing address for depositing a check

To deposit a check to a Fidelity account, you can either deposit it via mobile upload or mail a paper check.

If you choose to mail a paper check, you will need to complete the appropriate deposit or contribution form and enclose a printed version along with your check. You can find the correct form on the Fidelity website.

The mailing address for depositing a check to a Fidelity account depends on the type of account you have and the state you live in. Here are the addresses for the different types of accounts:

Brokerage, 529, and mutual fund accounts:

Fidelity Investments

PO Box 770001

Cincinnati, OH 45277-0003

Self-employed 401(k) contribution remittance:

Fidelity Investments

PO Box 770001

Cincinnati, OH 45277-0003

Non-prototype retirement account:

Fidelity Investments

PO Box 770001

Cincinnati, OH 45277-0048

Fidelity Investments Life Insurance Company Annuity Service Center:

Fidelity Investments Life Insurance Company Annuity Service Center

PO Box 770001

Cincinnati, OH 45277-0050

In New York Only: Empire Fidelity Investments Life Insurance Company Annuity Service Center:

Empire Fidelity Investments Life Insurance Company Annuity Service Center

PO Box 770001

Cincinnati, OH 45277-0051

Health Savings Account:

Fidelity Investments

PO Box 770001

Cincinnati, OH 45277-0047

Brokerage and mutual fund accounts (including HSAs) - Overnight/certified mail:

Fidelity Investments

100 Crosby Parkway, KC1H Covington, KY 41015

Please note that it can take up to five business days for mail delivery, so plan accordingly.

Making a check payable to Fidelity

To make a check payable to Fidelity, you must first complete the appropriate deposit or contribution form and enclose a printed version along with your check. The forms you may need include:

• 401(k) Contribution Remittance Form
• Non-Prototype Retirement Account Form
• Annuity Additional Purchase Form

You should then write your account number and, if applicable, contribution year, in the memo field of your check.

The payee you make the check out to will depend on the type of account you hold. Deposits intended for brokerage, cash management, and 529 accounts should be made payable to "Fidelity Brokerage Services LLC". For mutual fund accounts, the payee should be the relevant Fidelity fund name, such as "Fidelity Government Cash Reserves". For retirement accounts, the payee should be "Fidelity Investments" or "Fidelity Investments Life Insurance Company" (or "Empire Fidelity Investments" for New York residents). For Health Savings Accounts (HSAs), the check should be made out to "Fidelity Management Trust Company" (or "FMTC"), "FBO [your name]".

Deposit money into a Fidelity account

There are several ways to deposit money into a Fidelity account. You can:

• Set up payroll direct to an eligible Fidelity account.
• Send money to or from a bank account with an electronic funds transfer (EFT).
• Wire money from a bank or third-party account.
• Deposit a check via mobile upload or mail a paper check.
• Transfer money from one Fidelity account to another.
• Transfer money via a third-party payment app like Venmo or PayPal.

Direct and automatic deposits

You can set up two types of deposits for your Fidelity accounts: direct deposit of a paycheck or government check to a Fidelity account, or automatic deposits from a bank account or Fidelity Cash Management account to specific investments.

Direct deposit

You can have your paycheck, Social Security, or other pension benefits deposited directly into a Fidelity account. You'll need to provide the Fidelity account's routing (ABA) number and account number to your employer, government agency, or third party. Your routing numbers can be found on the Direct Deposit and Direct Debit Information page or on your Portfolio Summary page. It may take a couple of pay periods before your direct deposit is active. Your employer should send a confirmation when the setup is complete.

Automatic deposits

You can schedule regular transfers from your bank, cash management account, or investment accounts to make recurring contributions to your 529 college savings plan and IRA. If you've previously provided your bank information to Fidelity, you can generally start using this feature within 2–4 business days. It may take longer if you need to add and verify new banking information.

Retirement and college savings contributions

Money you add to 529 college savings plans and retirement accounts, including IRAs, 401(k)s, or 403(b)s, is often called a contribution.

Contributing to an IRA

When you make a contribution to your IRA, the money goes into your core account. The core account is where your money is held until you or your advisor, if you have one, choose investments to purchase with the money. Sometimes it takes a few days for the money you transferred to be available in your account, but you don't have to wait until the funds are available to choose your investments.

Contributing to a 529 college savings plan

Contributions to your 529 plan are invested based on your existing instructions; you will have established these when you opened the account. You'll receive a confirmation from Fidelity when we've invested your 529 contribution.

Contributing to a 401(k) or 403(b)

Log in to NetBenefits to review your balances and contributions for your plans managed by Fidelity. You'll use the same username and password you use for your other Fidelity accounts. If you want to make changes to your contribution schedule or amounts, you may need to contact your employer or plan administrator since employers set up 401(k) or 403(b) plans.

Transferring an account or investments to Fidelity

Whether you have a retirement account from a former employer or a brokerage account at another financial institution, you can easily transfer your accounts to Fidelity.

Transfer a workplace account like a 401(k) or 403(b)

Transferring a retirement account to Fidelity from a former employer is called a rollover. To roll over your 401(k), you'll transfer your money to a Fidelity IRA. You may need to open an IRA if you don't already have one to roll over your account balance. The process varies depending on the rules assigned to your account, since your former employer or plan administrator is responsible for initiating the rollover once you request it. It typically takes 7–10 minutes to complete the online form.

Transfer investment or retirement accounts

When you transfer an IRA, a brokerage account, or a health savings account (HSA) to Fidelity, it's called a transfer of assets. You can choose to transfer just some of your account, or all of it.

Contacting a Fidelity rollover specialist

If you need to contact a Fidelity Rollover Specialist, you can call 800-343-3548.

Fidelity rollover specialists can help with anything from understanding the options for your old 401(k) to guiding you through each step of the rollover process. They can also discuss how to include shares of company stock in your rollover.

If you would like a Fidelity rollover specialist to join you when you call your former provider, simply call Fidelity first at the number above.

Frequently asked questions