What is Fidelity's routing number?

The Fidelity Cash Management Account routing number is 101205681. This is the ABA routing transit number used for direct deposit, ACH transfers, and domestic wire transfers. Use this number when providing banking details to your employer, bill payers, or other banks.

Does Fidelity have a SWIFT code?

Fidelity's Cash Management Account does not support incoming international wire transfers directly. Fidelity's SWIFT code for brokerage-related international transfers is FNBOUS33, but this is for investment accounts. For personal international transfers, Fidelity recommends using a third-party service.

Where do I find my Fidelity routing number?

To find your Fidelity CMA routing number in the app: open the Fidelity app → tap Accounts → select your Cash Management Account → tap Account details. The routing number (101205681) is listed there. You can also find it at fidelity.com → Accounts → CMA → Account features.

Fidelity Cash Management Routing Number 2026: 101205681

Fidelity Cash Management Account routing number is 101205681. Use this ABA number for direct deposit setup, ACH transfers to and from external banks, and incoming domestic wire transfers. Fidelity’s CMA is not a traditional bank account but functions identically for daily banking purposes.

Fidelity CMA Routing Number at a Glance

Detail	Value
ABA routing number	101205681
Bank name	Fidelity Brokerage Services / PNC (processing agent)
SWIFT code (international)	Not applicable for CMA
Use for direct deposit	✅ Yes
Use for ACH transfers	✅ Yes
Use for domestic wire (incoming)	✅ Yes
Use for outgoing wire	✅ Yes ($10 fee)
Use for international wire	❌ Not supported

Setting Up Direct Deposit with Fidelity

To set up direct deposit into your Fidelity CMA, provide your employer or payroll provider:

Routing number: 101205681
Account number: Your CMA account number (found in the app → Accounts → CMA → Account details)
Account type: Checking

Fidelity CMA functions as a checking account for direct deposit purposes — payroll, Social Security, government payments, and other direct deposits all work.

ACH Transfers

Use routing 101205681 for:

Pulling funds from an external bank into Fidelity CMA
Pushing funds from Fidelity CMA to an external bank
Setting up automatic bill payments
Funding Fidelity investment accounts via external ACH

ACH transfers typically settle in 1–3 business days.

Wire Transfers

Fidelity CMA accepts domestic incoming wire transfers using routing 101205681. Outgoing domestic wires cost $10 — one area where Fidelity is weaker than Schwab (which offers free outgoing wires).

Wire Type	Fidelity CMA	Schwab	Ally
Incoming domestic	Free	Free	Free
Outgoing domestic	$10	$0	$20
International	Not available	Not available	Not available

How to Find Your Fidelity Routing Number

In the Fidelity app:

Tap Accounts at the bottom
Select your Cash Management Account
Tap Account details
Routing number (101205681) and account number are listed

On Fidelity.com:

Log in → click Accounts & Trade
Select your CMA
Click Account features → Direct deposit / ABA routing

Fidelity CMA fees 2026 — $0 monthly, unlimited ATM reimbursement
Fidelity ATM limit 2026 — unlimited worldwide reimbursement
Fidelity minimum balance 2026 — $0 minimum, up to $5M FDIC
Fidelity vs Schwab 2026 — routing, wires, ATM, and FDIC compared

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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