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.

Orders for new debit cards are subject to a minimum balance of $250 available to withdraw. To view your balance, navigate to Fidelity.com and select the Balance tab within your account. For more information, contact Customer Service at 800-343-3548.

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 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.

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.

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 money won't be immediately available using electronic funds transfer (EFT) in Fidelity Bloom^®. It may take several days to process the transfer. We're grateful for your patience while we validate your funds transfer.

When you make a mobile check deposits in Fidelity Bloom® the funds may not be available for several days.

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.