Fidelity Bloom^®

Fidelity Bloom^® is a free financial app that helps you save more, spend less, and feel better about your finances. We combine behavioral science with built-in features that help you grow your savings and change your money habits.

You’ll open 2 Fidelity brokerage accounts, Fidelity Bloom Spend and Fidelity Bloom Save. You’ll also have the option to receive a debit card that automatically deposits your earnings and rewards into Fidelity Bloom Save.

Brokerage accounts are not bank accounts.

While enrollment has stopped, returning customers can still download the Fidelity Bloom^® app using this link: https://fidelitybloom.app.link/BloomDownload. University customers can download the app through the QR code supplied by their institution. All Fidelity Bloom accounts are also available in the Fidelity^® mobile app.

Research shows that you’re more likely to have a greater awareness of your finances, and less likely to move money, when you have separate accounts for saving and spending. Fidelity Bloom^® is designed with behavioral science principles to help you spend more mindfully and save more successfully.

Fidelity Bloom^® includes features like nudges and Challenges that can help you change your spending habits. We’ll share actions and insights to make you think differently about your spending and saving, and encourage you to take a more mindful approach to your finances.

Financial well-being has as much to do with your feelings as it does with the amount in your account. Fidelity Bloom^® is built to help you feel in control of both.

Fidelity Bloom^® Save and Fidelity Bloom Spend accounts are brokerage accounts with limited features available through the app so we can focus on helping you build positive saving habits.

By using brokerage accounts, we’re able to place your cash in low-risk money market mutual funds which have historically outperformed traditional savings accounts.

You may access a broader set of brokerage account features by logging in to your account on Fidelity.com or the Fidelity app.

Fidelity Bloom accounts are brokerage accounts covered by SIPC. They are not bank accounts and therefore are not covered by FDIC insurance. Holdings in your Fidelity Bloom accounts are subject to market risk and risk of loss.

Fidelity Bloom^® uses the core position of your brokerage accounts—which defaults to a money market fund and holds your cash—to process your spending and saving transactions. You can select your core position when you open your account. Visit Fidelity.com to access trading and investing features of your account.

The accounts in Fidelity Bloom^® are brokerage accounts that default to a money market fund. Money market funds are subject to rates that can change and provide a yield on the balances in those accounts. To see the latest rates, visit fidelity.com/mutual-funds/fidelity-funds/money-market-funds-fcash

Fidelity Bloom^® users must be at least 18 years old to open an account.

Fidelity offers a Youth Account for users under 18. Please visit fidelity.com/youth to learn more.

The information you share during an emotional check-in in Fidelity Bloom^® is just for you. These details help you to reflect on how you were feeling about your finances when you shared your emotions. These notes will not be shared and are not monitored by Fidelity Bloom.

Students at participating Fidelity Financial Forward^® universities can still open Fidelity Bloom^® accounts using their school's specific QR code.

To close your Fidelity Bloom^® Save and Spend accounts, ensure that each account has a $0 balance and that you don't expect any incoming funds from interest, dividends, or rewards. You can close your accounts directly in the Fidelity Bloom app. To close your accounts:

1. Go to the Profile tab.
2. Select "Get help."
3. Open the Fidelity Assistant in the top right corner.
4. Enter "Close accounts." The Fidelity Assistant will then guide you through the rest of the process.

Alternatively, iOS users can open either account, select the three vertical dots in the top right corner of the screen, and then select "Close my accounts."

To provide you with an improved and more seamless experience, we’re integrating the Fidelity Bloom^® app into the Fidelity Investments app.

This change gives Fidelity Bloom customers even more tools and resources to help you reach your financial goals.

Your Fidelity Bloom^® accounts are now accessible through the Fidelity Investments app.

Your Fidelity Bloom^® username and password also work with the Fidelity Investments app.

Many of your favorite Fidelity Bloom^® features will be available in the Fidelity Investments app. Your account number, login details, direct deposits, linked bank accounts, and debit card will stay the same.

You can use the Fidelity Bloom^® debit card wherever Visa is accepted. You can also withdraw cash at ATMs worldwide wherever you see the Visa^®, Plus^®, or Star^® logos.

If your Fidelity Bloom^® debit card is lost or stolen, you can place a temporary block on any new withdrawals or purchases by selecting the “Lock card” link next to your card under ”Manage debit cards” (located in “Profile and Settings”). However, recurring transactions, returns, and credit adjustments will still be allowed while your card is locked. You may unlock your card at any time.

If you notice unauthorized transactions, please call Fidelity Debit Card Services immediately at 800-323-5353. Representatives are available24 hours a day, 7 days a week, including holidays.

You can activate your Fidelity Bloom^® debit card at fidelitydebitcard.com, or through the app or on Fidelity.com by tapping "Manage debit cards" under “Profile and Settings."

The Fidelity Bloom^® debit card includes transaction alerts, card locks, and fraud text alerts. To sign up for fraud alerts, visit Fidelity.com/cash-management/help-center/debit-card/alerts.

To learn more about debit card security, visit Fidelity.com/cash-management/help-center/debit-card/security.

ATM fees are not reimbursed when you make withdrawals using the Fidelity Bloom^® debit card.

Yes, there are limits for your Fidelity Bloom^® debit card. You can view your daily spending limit and remaining balance associated with your debit card under “Manage debit cards.” Your daily limit will reset each day at midnight ET. Your daily spending limit is subject to the “Available to withdraw” balance in your account and specific daily transaction limits, which are not shown.

There is a transaction limit of 15 purchases per day for the Fidelity Bloom^® debit card. To view other transaction limits, navigate to "Profile & Settings" and tap "Manage debit cards."

The Fidelity Bloom^® debit card is issued by Leader Bank and the debit card program is administered by BNY Mellon Investment Servicing Trust Company.

These entities are not affiliated with each other or with Fidelity, although, the parent company of Fidelity has a minority percentage, noncontrolling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by Leader Bank pursuant to a license from Visa U.S.A. Inc.

By using the Fidelity Bloom^® debit card, you’re automatically enrolled in our Round Up feature. The difference between the cost of your purchase and either a dollar amount ($1—$10) or a percentage (1%—10%) that you predetermine will be automatically transferred from your Fidelity Bloom Spend account to your Fidelity Bloom Save account every time you use your debit card.

Challenges are short educational and interactive activities offered through the Fidelity Bloom^® app. They’re designed to help you build habits to spend and save more mindfully so that you can improve your relationship with money. They'll introduce reachable, practical steps you can take with your money to save—and feel—better.

There is no cash reward for completing Challenges or Bootcamps in Fidelity Bloom^®.

Fidelity Bloom^® does not currently offer a way to share your progress with others.

Bootcamps are collections of Challenges in Fidelity Bloom^®. A bootcamp encourages you to explore Challenges that have a similar topic or can help you to build related skills that you can apply in your everyday life.

Within each Bootcamp in Fidelity Bloom^®, users will see the total number of included Challenges, as well as those already completed. You are encouraged to complete all included Challenges within a Bootcamp.

There is no cash reward for completing Challenges or Bootcamps in Fidelity Bloom^®.

Your Challenge Completion Streak keeps track of the consecutive weeks you've completed a Challenge in Fidelity Bloom^®. To maintain your streak, take at least one Challenge each week. The activity week begins on Monday at 12:00 a.m. ET and ends on Sunday at 11:59 p.m. ET. If you miss a week, your streak will reset and you'll be able to begin tracking your progress again the next time you complete a Challenge. There is no monetary reward for a streak.

A Smart Habit is an automated way to set aside money and track your progress in the Fidelity Bloom^® app.

Once you set the rules for your Smart Habit in the Fidelity Bloom^® app, your Smart Habit will run automatically. Research shows that automated savings approaches can help you save more over time. To create a Smart Habit, you can select from predefined Habits or customize your own. You’ll also choose an external account to use for the transfer, and the funds will automatically be deposited in your Save account. Weekly transfers must be at least $10.

You can cancel a Smart Habit in the Fidelity Bloom^® app by going to the active card atop the Challenges tab, opening the Smart Habit you want to cancel, and then selecting End Smart Habit. Any transfers that were in progress before you canceled will continue.

If your transfer doesn't go through, we’ll try again on the same day during the following week. If your transfer doesn't clear in 2 consecutive weeks, we’ll cancel the Smart Habit in the Fidelity Bloom^® app.

Your money will be transferred on the date you choose. Transfers must be at least 2 business days after you set your Smart Habit in the Fidelity Bloom^® app. If you set one on Monday, the transfer will be made on Wednesday. Transfers take place on the same day each week of the Smart Habit. Transfers occur at 9 p.m. ET.

You can have up to 3 Smart Habits active at the same time in Fidelity Bloom^®. If multiple Smart Habits are set for the same day, they will show as one transfer.

Round Up is a Fidelity Bloom^® debit card feature that rounds up your purchase to either a dollar amount ($1–$10) or percentage (1%–10%) that you predetermine and automatically transfers the “spare change” from your Fidelity Bloom Spend account into your Fidelity Bloom Save account. It has a maximum transfer amount of $10 per purchase.

When you sign up with Fidelity Bloom, you’re automatically opted into Round Up. If you close your Fidelity Bloom Save and/or Fidelity Bloom Spend account, Round Up will no longer work.

You may enable or disable Round Up, or update your Round Up amount, at any time. To do so, navigate to Profile & Settings in the Fidelity Bloom^® app and tap Round Up. Please allow 1–3 business days for the changes to be reflected in your account.

Fidelity Bloom^® applies your Round Up settings once per day, during nightly processing. If you change your Round Up settings throughout the day, we’ll apply the most recent settings to all of your purchases for that day.

For example: You make a purchase in the morning with Round Up amount set to 5%. You change your Round Up amount to 8% in the afternoon and make a second purchase in the evening. We’ll apply the most recent Round Up amount (8%) to both transactions during nightly processing.

You can activate Round Up with your other accounts after you connect them in Fidelity Bloom^®. Just like Round Up with your Fidelity Bloom debit card, this feature rounds up your purchases to either a dollar amount ($1–$10) or percentage (1%–10%) that you predetermine and then automatically transfers the “spare change” from your Fidelity Bloom Spend account into your Fidelity Bloom Save account. For each linked card, you can set a custom Round Up amount or percentage. You can shut off Round Up on these accounts at any time.

If you have Round Up enabled on other accounts, you will typically see the funds deposited to your Fidelity Bloom^® Save account within one to three days after the original transaction is posted by your institution.

Your money will be available within 6 business days using electronic funds transfer (EFT) in Fidelity Bloom^®. We're grateful for your patience while we validate your funds transfer.

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 New York Stock Exchange and bank holidays.

To modify or pause automatic transfers in Fidelity Bloom^®, navigate to Profile & Settings, then Recurring Transfers.

Fidelity Bloom^® doesn't charge overdraft fees. Your bank might, however, 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. If the transfer will cause a potential overdraft, we’ll cancel it.

You can fund your Fidelity Bloom^® accounts via money from your bank account with an electronic funds transfer (EFT), with a transfer from another Fidelity account, or through a third-party payment app such as Venmo^® or PayPal^®.

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

To set up direct deposits 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 (EFT) is 101205681.

Account number: Your 17-digit Fidelity account number can be located in the app. To find your account number, tap the Save or Spend tile on your home tab, tap the More menu (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.

For additional information, visit Determine Your Routing and Account Numbers on Fidelity.com.

Yes, you can move money from your Fidelity Bloom^® accounts to Fidelity Individual accounts, Traditional IRAs, Roth IRAs, and Rollover IRAs.

The Fidelity Bloom^® app offers a 10-cent reward for each eligible purchase transaction made using your Fidelity Bloom debit card. The reward is automatically deposited into your Fidelity Bloom Save account. Offer ends 12/31/24. Fidelity may revoke this offer at any time.

You’re automatically enrolled in the cents-per-swipe reward when you sign up with Fidelity Bloom^®. Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Generally, the cents-per-swipe reward will be deposited into your Fidelity Bloom^® Save account in 1–3 business days after your debit card purchase transaction has settled. However, debit card transaction settlement times vary. Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Currently, Fidelity Bloom^® users are unable to disable the cents-per-swipe reward. Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Incentives and rewards offered through Fidelity Bloom^® are considered taxable income. They may be reported through a consolidated 1099. We encourage you to work with a tax professional to address appropriate tax reporting and treatment relating to this feature.

Purchase transactions are eligible for the cents-per-swipe reward in Fidelity Bloom^®. Ineligible transactions include cash withdrawals, returns, reversals, and adjustments. Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Savings match is one of the ways we celebrate your progress and reward you for saving. You might be familiar with how many employers often match a percentage of your retirement contributions. Similarly, Fidelity Bloom^®’s savings match is basically “free money” that rewards your good financial habits!

Fidelity Bloom offers a match of 10% on up to $300 (max of $30) in eligible deposits made to your Fidelity Bloom Save account. Match rewards are deposited to your Fidelity Bloom Save account. They are based on eligible deposits into your Fidelity Bloom Save account in a calendar year. Eligible deposits into your Fidelity Bloom Save account include transfers from outside or other Fidelity accounts, cash-back shopping rewards, and Round Up deposits.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

All Fidelity Bloom^® users are automatically eligible to earn the savings match reward once you have opened your Save and Spend accounts. (Note that you cannot opt out of this reward.)

Fidelity Bloom users are unable to opt out of the savings match reward at this time.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Generally, any deposits made by you from an external account are eligible, whereas any deposits made by Fidelity Bloom^® are ineligible.

Eligible deposit types include: Recurring deposits; cash-back shopping rewards; Round Up deposits; and one-time transfers into Save from Spend, outside accounts, or any of your other Fidelity accounts.

Ineligible deposit types include: Cents-per- swipe rewards, cash offers from Fidelity, Fidelity Bloom savings match deposits, referral bonuses, and any deposits into your Spend account.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

We distribute a savings match reward each month.

At the end of each month, we’ll use your settled deposits to calculate how much of the savings match reward you are eligible for. At the beginning of the following month, we’ll automatically deposit those earnings you’re eligible for directly into your Fidelity Bloom^® Save account.

For example, if your Save balance includes $300 in eligible deposits on July 31, you'll receive the maximum reward payout for that calendar year in early August. Any additional deposits made throughout the remainder of that calendar year will not be eligible, because you will have already received the maximum reward for that calendar year.

If your Save balance includes $100 in eligible deposits on July 31, you'll receive a payout equal to the match percentage on $100 in early August. You can continue to make eligible deposits, and earn rewards on those deposits, until you’ve reached the total maximum reward payment for that calendar year.

Note that eligible deposits need to be settled in their account in order to be calculated as part of your savings match reward. This can take up to 5 business days, depending on your deposit method. If you cancel the deposit before it settles, it will not count toward your savings match reward earnings.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

The initial time frame to earn toward this reward in Fidelity Bloom^® is from the day you open your accounts until the end of that same calendar year.

So, if you open your accounts on July 1, you'll have from July 1 until December 31 to earn toward your first savings match reward. After that, you'll have from January 1 until December 31 to earn toward your renewed reward.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Eligible deposits must be made into your Fidelity Bloom^® Save account to count toward your savings match reward earnings.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Fidelity will deposit your cash reward directly into your Fidelity Bloom^® Save account.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

You don't have to deposit all $300 at once; you can make multiple deposits to get the full match in Fidelity Bloom^®.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

Only deposits that are settled in your Fidelity Bloom^® Save account are used to consider your savings match earnings. A deposit can take up to 6 business days from initiation to settlement, depending on your deposit method. If you cancel a deposit before it settles, it won’t be used to calculate your savings match rewards.

Offer ends 12/31/24. Fidelity may revoke this offer at any time.

You can view your transactions from within the Fidelity Bloom^® app. On your home screen, you’ll see a list of transactions broken down into pending and settled transactions. Tap any transaction for more detail.

If you have transactions that involve securities outside of your core account, you may view these transactions on Fidelity.com.

To see a breakdown of your rewards and earnings in Fidelity Bloom^®, tap the Rewards tile on your home screen.

Transactions can be viewed on your Fidelity Bloom^® Save and Spend account screens. Tap the “Save” or “Spend” tiles from the home screen to view a detailed list of your transactions.

Your current Fidelity Bloom^® Spend balance is displayed under “Cash available” at the top of your Spend home screen.

Your current Fidelity Bloom^® Save balance is displayed under “Cash available” at the top of your Save home screen.