Cash & lending

Help clients manage their full financial picture—from everyday spending to strategic saving—with integrated tools that make cash management seamless and flexible.

Debit card choices: Offer clients the convenience of a Fidelity® Visa® Debit Card, available for individual, joint, and trust accounts. Choose between classic or premier designs, with transactions debited directly from their account.

Checkwriting access: Enable clients to write checks from eligible non-retirement accounts and traditional IRAs, adding another layer of flexibility.

Cash management portal: A centralized hub for direct deposit, bill pay, checking, and debit card management—empowering advisors to monitor and self-service, and clients to invest, spend, and save all in one place.

Support your clients’ liquidity and investment needs with solutions that align with their broader financial strategy. Fidelity's core cash solutions are designed to offer flexibility, security, and competitive yield potential.

Bank sweep program: Excess cash is automatically swept into multiple FDIC-insured banks, helping eligible clients maintain liquidity while accessing expanded FDIC coverage.

Money market funds: Choose from a range of Fidelity money market funds, including government, treasury, and offshore options for non-U.S. clients—all offering competitive yields.

Explore Fidelity's money market lineup

FCASH: Available in nonretirement brokerage accounts, FCASH is Fidelity’s default core position, providing a convenient way to hold cash awaiting reinvestment. Balances accrue interest daily and are credited monthly, with rates set by Fidelity based on market conditions and competitive with industry averages. While FCASH is the default, advisors retain full flexibility to trade client cash into products such as money market funds to align with portfolio objectives or liquidity needs.

Empower clients to borrow strategically and earn efficiently—while keeping their investment strategy intact. Our lending solutions can help you support clients' goals, whether they're looking to borrow, leverage, or earn.

Fidelity margin loans: Clients can borrow against eligible securities for personal, business, or investment needs. With competitive rates, minimal paperwork, and same-day access to funds, Fidelity's margin loans offer a streamlined borrowing experience—no setup fees or financial statements required.

Third-party loans: Through strategic bank relationships, clients can pledge assets held in eligible Fidelity accounts to access customized non-purpose loans. These solutions may offer greater leverage and can be used with managed accounts, including Managed Account Solutions^®.

Fully paid lending program: Help clients generate incremental income by lending fully paid or excess margin securities. Clients retain full economic ownership and can sell or recall securities at any time.