An electronic funds transfer (EFT) is a digital transfer of money from one account to another. You can use this method to transfer funds between Fidelity and your outside bank. Transfers from your bank are a fast, secure way to fund your account and start trading, as money requested from your bank before 4 p.m. on a business day is typically available to invest instantly.
Link your bank to transfer money
To transfer money to or from your outside bank, you'll first need to link a bank to your Fidelity account. You can find a list of your existing linked banks or link a new bank on the bank information pageLog In Required.
Already have a bank linked? Start a transfer nowLog In Required
How long does an EFT take?
EFTs in and out of Fidelity accounts generally process within 1-3 business days, though the funds are typically available for trading if sent before 4 p.m. ET on a business day.
EFTs are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays. Transfers sent after 4 p.m. ET will not process until the next business day.
Learn more about hold and processing times at Fidelity
Need money faster? Learn more about bank wires
Transfer limits and fees
Fidelity does not charge fees for transfers to and from you bank. There is no limit to the number of transfers you can submit per business day. The minimum deposit amount for each EFT is $1.00. The daily withdrawal limit for transfers to your bank is $100,000. The daily deposit limit for transfers from your bank is $250,000.
If you need to deposit more than $250,000 per day, or withdraw more than $100,000 per day, you can call Customer Service at 800-343-3548 to hear your options for the daily limit for electronic funds transfer (EFT).
Need to track a recent transfer or view your transfer history? Visit Activity & OrdersLog In Required
