This amount includes proceeds from transactions settling today MINUS unsettled buy transactions, short equity proceeds settling today and the intraday exercisable value of option positions. On Monday, the customer purchases $10,000 of ABC stock. Intended for investors seeking as high a level of current income as is consistent with the preservation of capital and liquidity.1,3. You can add a trading authorization to allow another person to trade in your account: To get started, fill out a form available in account access rights. This balance does not include deposits that have not cleared. A benefit of the core position is that it allows you to earn interest on uninvested cash balances. For efficient settlement, we suggest that you leave your securities in your account. Fidelity may waive this requirement for customers with previous Fidelity credit history or mutual fund assets on deposit. Normally at least 99.5% of the fund's total assets are invested in cash, U.S. Treasury securities and/or repurchase agreements for those 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).

All Rights Reserved. There are additional restrictions that may apply, depending on the country where you now reside. Through the Program, the uninvested cash balance in certain Fidelity accounts is swept to one or more program banks where it is eligible for FDIC insurance. Important legal information about the email you will be sending. This balance includes both Core and other Fidelity Money Market funds held in the account. Regardless of where you move, the following applies: Fidelity does not provide discretionary asset management services to customers who reside outside the United States. This balance does not include deposits that have not cleared. Intended for investors seeking as high a level of current income as is consistent with the preservation of capital and liquidity.1,2. Cash Available to Withdraw: Amount collected and available for immediate withdrawal. Depends on fund family, usually 1–2 days.

When that occurs, the cash credit balance will reflect both amounts credited to the account from unsettled activity as well as un-swept settled cash balances.

Cash covered put reserve is equal to the options strike price multiplied by the number of contracts purchased, multiplied by the number of shares per contract (usually 100).

They will not be able to make deposits in their accounts, or buy any additional securities. 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. Get details on using our advanced trading tools. It is a violation of law in some jurisdictions to falsely identify yourself in an email. Cash withdrawals are debited the same day. ATM withdrawals and debit transactions using the Fidelity Visa. Customer assets may still be subject to market risk and volatility. Fidelity Government Money Market Fund (SPAXX), FDIC-Insured Deposit Sweep Program Disclosures (PDF), See how to determine your routing and account numbers, Securities Investor Protection Corporation, Fidelity Phone Numbers, For Customers Traveling Abroad, The total market value of all positions in the account, including core, minus any outstanding debit balances and any amount required to cover short options positions that are in-the-money. Fidelity's FDIC Insured Deposit Sweep Program (the "Program") 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. A put option is considered "in-the-money" if the price of the security is lower than the strike price. We reserve the right to require equity of up to 100% of the proposed trade's value in any account.

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. Within Fidelity's excess of SIPC coverage, there is no per-account dollar limit on coverage of securities, but there is a per-account limit of $1.9 million on coverage of cash awaiting investment. This balance includes both core and other Fidelity money market funds held in the account. There is a $15 Late Payment Fee. This balance includes both Core and other Fidelity Money Market funds held in the account. Update frequency explained  Opening a Fidelity account automatically establishes a core position, used for processing cash transactions and for holding uninvested cash. Normally at least 80% of the fund's assets are invested in U.S. Treasury securities and repurchase agreements for those securities. Full trading authorization has limitations for some types of accounts. Brokerage regulations may require us to close out trades that are not settled promptly, and any losses that may occur are your responsibility.

3. Taxable Interest Bearing Cash Option (FCASH), a free credit balance and is payable to you on demand by Fidelity.

Your "available to trade" amount represents how much you have available to buy stocks or ETFs.

Other than certain holdings in previously discretionary managed accounts, you can continue to maintain your mutual fund holdings until you decide to sell them. Intended for investors seeking as high a level of current income as is consistent with the preservation of capital and liquidity.1,2, Fidelity Treasury Fund (FZFXX), a taxable money market mutual fund investing in U.S. Treasury securities and related repurchase agreements. When the table is expanded for a detailed view of individual balance fields, the "+" sign becomes a "-" sign that you can click to collapse the table and return to the summary view. Amount collected and available for immediate withdrawal. This balance includes both core and other Fidelity money market funds held in the account.

Total aggregate excess of SIPC coverage available through Fidelity's excess of SIPC policy is $1 billion. Depends on the time of the month the trade is placed, Except for auction orders, which may take longer. In accordance with the SEC rule 15c3-3, 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. We also offer the same encryption when you access your accounts using your mobile device. Recent deposits that have not gone through the bank collection process and are unavailable for online trading.

This balance does not include deposits that have not cleared. Next-day settlement for exchanges within same families. Sell orders are reflected in this balance on settlement date and Buy orders are reflected on trade date. As with SIPC, excess of SIPC protection does not cover investment losses in customer accounts due to market fluctuation.

The normal check and electronic funds transfer (EFT) collection period is 4 business days. By using this service, you agree to input your real email address and only send it to people you know. How do I give someone else the right to view or transact in my account? This is the maximum excess of SIPC protection currently available in the brokerage industry. Can I establish a relationship with Fidelity? Executed Buy orders will reduce this value (at the time the order is placed), and executed Sell orders will increase this value (at the time the order executes). Just opened a Roth IRA and also a brokerage account with Fidelity. 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. Interest is calculated on a daily basis and is credited on the last business day of the month. Fidelity's brokerage businesses (Fidelity Brokerage Services LLC and National Financial Services LLC [NFS]) are members of the Securities Investor Protection Corporation (SIPC), and brokerage accounts maintained with Fidelity are covered by SIPC, which protects brokerage accounts of each customer when a brokerage firm is closed due to bankruptcy or other financial difficulties and customer assets are missing from accounts. I’ve recently moved outside the United States. Learn more about Money Market Mutual Funds. Fidelity may use this free credit balance in connection with its business, subject to applicable law.

Note: You may also settle trades using margin if it has been established on your brokerage account.

1. 1. Copyright 1998-2020 FMR LLC. It also does not cover other claims for losses incurred while broker-dealers remain in business. Saying that If I sell these shares before they are played in full I will receive a good faith violation. For more information, please see our Customer Protection Guarantee. 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.S. Securities and Exchange Commission under the Securities Act of 1933. Unfortunately, we do not open accounts for any new customers residing outside the United States.

Normally at least 80% of the fund's assets are invested in U.S. Government securities and repurchase agreements for those securities. Real-time: Balances display values that change with market price fluctuations on the underlying securities in your account.