Managing your accounts

Moving money

  • How do I link a bank account to my Fidelity Bloom®accounts?

    To link a bank account to your Fidelity Bloom® accounts, select one of your accounts (either Fidelity Bloom Save or Fidelity Bloom Spend), tap "Link a bank account," and follow the prompts.

  • How do I add money to my Fidelity Bloom® accounts?

    You can add money to your accounts by transferring funds from another account, using mobile check deposit, or using a third-party payment app like Venmo® or PayPal®.

    Venmo is a service of PayPal, Inc. Fidelity Investments and PayPal are independent entities and are not legally affiliated.

  • How long will it take for my money to transfer into my Fidelity Bloom® accounts?

    It may take up to 6 business days for your money to become available to spend using electronic funds transfer from an external financial institution. This delay is due to additional fraud protection.

  • I want to deposit my paychecks into Fidelity Bloom®. How do I set up direct deposit?

    To set up direct deposit into a Fidelity Bloom® account, you’ll need to provide your employer with the routing and account numbers of the account you want to the deposits to go into.

    Routing number: Fidelity’s routing (ABA number for electronic funds transfer) is 101205681.

    Account number: Your 17-digit account number is located in your Fidelity Bloom app. To find your account number, select the "Save" or "Spend" tile on your Home tab, tap the More menu (the 3 dots in the top right of the screen), then tap "View account information." It will appear as 39900000XXXXXXXXX.

    Select "Checking" if your employer asks you to indicate the registration type of the direct deposit account.

  • How can I deposit money into my Fidelity Bloom® accounts via mobile check deposit?

    To deposit checks into your Fidelity Bloom® accounts using mobile check deposit, select "Transact," then tap "Mobile check deposit," and follow the prompts.

  • When will my mobile check deposit be credited to my Fidelity Bloom® account?

    Generally, mobile check deposits in Fidelity Bloom® are available for withdrawal within 4 business days if submitted on a business day prior to 4 p.m. ET and determined to be in good order.

    Check deposits are not processed on Saturdays, Sundays, or holidays.

  • Can I deposit physical cash into my Fidelity Bloom® account?

    Fidelity Bloom® is not able to accept physical cash. However, you can add money in a variety of ways to your Fidelity Bloom accounts including bank transfers, check deposits, direct deposits, and transfers from third- party payment apps, like Venmo® or PayPal®.

    Venmo is a service of PayPal, Inc. Fidelity Investments and PayPal are independent entities and are not legally affiliated.

  • How do I transfer money between my Fidelity Bloom® accounts?

    You can easily transfer money between your Fidelity Bloom® Spend and Save accounts. In the app, tap "Transact" and then select "Transfer." From there, you can use the drop-down option to choose the Fidelity account you’d like to transfer money from and where you want it to go.

  • Will I be charged overdraft fees if I withdraw too much from my Fidelity Bloom® accounts?

    Fidelity Bloom® doesn’t charge overdraft fees. Your bank might, though, so be sure to check their policy. If a transfer is scheduled while your balance is low or overdrawn, we’ll pause it until your balance is restored.