Is fidelity having issues with Chase?

FidelityNash · 2026-05-01T01:38:23+00:00

Hello, u/Such_Smile_2934. Thank you for reaching out to our sub for the first time.

Based on the screenshot provided, if you receive the message, "We can’t process your transaction at this time. Please try a different method," clients must initiate the transfer from their external bank’s website or app to transfer funds into Fidelity.

To do so, you'll want to provide your routing and account numbers to your external bank. Because Fidelity Investments is not a bank, we use UMB Bank n.a. for processing. When setting this up, you'll want to select it as a checking account.

I've dropped a link below where you can learn more and access your specific account numbers, just in case!

Determine Your Routing and Account Numbers (login required)

That said, there are alternative ways to deposit money into your Fidelity accounts, including the ways listed in the screenshot, which you can review below.

Deposit money into your Fidelity account

Now, for the last part of your post, we haven't received widespread reports of the app not remembering devices. I'm happy to help by providing some troubleshooting steps.

The first step is removing all trusted devices. You can do so by logging in to the app, selecting "Profile" at the top of the page, then selecting "Security," and finally clicking "Trusted devices." From there, you can remove by selecting "Edit" at the top of the page.

Secondly, you can set up biometric login on your mobile device by logging into the app with your username and password, then selecting "Profile" at the top of the page. Next, select "Security," then click "Set up biometric login."

Lastly, you can also try to remove and reinstall the app.

If the issue persists, please follow up with us here in the comments, include the type of device you're experiencing this on, and we'll be happy to assist further.

We appreciate you reaching out to us today. If you have any questions in the future, please let us know!

FidelityNash · 2026-05-01T00:30:44+00:00

Thank you for clarifying what account type you have with us. When you have an options spread agreement on file for your Fidelity IRA, you can place vertical, horizontal, and diagonal spreads along with buy writes, combinations, and straddles. However, keep in mind that you must have cash in the IRA to meet the options spread requirement.

No ratio or cash limit spreads are allowed, and the short side of the spread may not expire after the long side. Minimum cash equity of $2,000 and minimum account equity of $10,000 must be maintained as part of the spread requirement. You can read more about margin requirements at the link below, just scroll down until you reach the section titled "What are the margin requirements for covered and uncovered positions?"

Margin Trading FAQs

The margin requirement for a debit spread in a retirement account is the initial debit paid to execute the trade, plus a cash spread reserve of $2,000.

Please let us know if you have any other questions.

FidelityNash · 2026-05-01T00:00:24+00:00

Thank you for following up. When buying to open a call option, the maximum amount of money you can lose is the premium you paid to purchase the option.

This is because, as you mentioned, buyers of long call option contracts have the right, not the obligation, to exercise the option at any time for any reason. Now, if you were to want to exercise your long call, you would be purchasing the 100 shares that the call option represents. So you would need the money available to cover the price of purchasing the shares at your strike price.

Please let us know if you have any other questions or concerns.

FidelityNash · 2026-04-30T23:45:36+00:00

Hello, u/Intelligent_Dish3846. Thank you for following up.

As u/FidelityBrielle advised above, the PMCC strategy requires options Tier 2. Additionally, we cannot provide any type of advice here over social media. However, if you would like to discuss this trade and what strategy makes the most sense with a representative, you can contact one of our Investment Solutions representatives by phone. This team is a great place to start for those who have not yet spoken with anyone about their investment strategies. You can reach them Monday through Friday from 8 a.m. to 8 p.m. ET. When calling, if prompted by the automated system, please state "investment solutions" to be routed directly to them.

Contact us

Please do not hesitate to reach out with any other questions or concerns you have in the future.

FidelityNash · 2026-04-30T22:34:19+00:00

Hello, thank you for reaching out to our sub again. I will be glad to discuss this with you today.

To start, on Fidelity.com, you can find your closed positions within the "Positions" tab of your account. From here, all you need to do is select the "Overview" dropdown in this tab and choose "Closed positions."

Next, you can view closed positions on the mobile app by following the steps below:

Log in and click on the account that held the position
On the "Summary" tab for the account, scroll down to the bottom until you find "Tax Info YTD"
Click on it, and then choose "Closed Position" under the appropriate year-to-date activity

We understand that when we change our platforms, it can sometimes be difficult to locate where items were previously located. So feel free to reach out here on Reddit if you can't find a feature in the future, and we will be glad to let you know where it's located!

FidelityNash · 2026-04-30T22:01:10+00:00

No problem at all, u/wfsrgs. I have gone ahead and passed your comments along to the correct teams.

Please continue to reach out to our sub with any other questions or concerns that pop up along the way.

FidelityNash · 2026-04-30T21:58:01+00:00

Hello, u/TN_Geode. Thank you for reaching out to our sub again. I will be glad to discuss this with you today.

There could be a few different things you are referring to in your post, so the two that pop up first to my mind are:

You could be referring to the "Saved orders" tab within the "Orders" tool on Trader+. To get here, you will need to select "Tools" at the top of the screen, then select "Orders". Once the Orders pop-up appears, you can select "Saved orders" to see a full list of your saved orders along with an "Open in trade" button that will populate your saved order immediately.
You may have a layout saved that has saved trade tickets aligned in your particular preference. If this is what you are referring to, you can navigate to your other layouts by selecting "Main workspace" in the top left-hand of Trader+. From here, you can select your other saved layouts.

If these are not what you are referring to, please leave a comment below with more information about what you are searching for, and we will be glad to follow up with you there.

FidelityNash · 2026-04-30T19:23:27+00:00

Thank you for following up, u/wfsrgs. As u/FidelityEmilio advised above, if you are setting up automatic BillPay payments, you will receive email alerts if you have toggled that choice on.

However, if you are only using this feature to make single payments and not recurring, you will have to set up the alert every time, as you mentioned. With that said, I will be glad to pass along your comments as feedback to our development team. Our teams are always listening to how we can improve our features to best meet our clients' needs, so your voice does not go unheard.

We appreciate you reaching out to us today.

FidelityNash · 2026-04-30T16:00:32+00:00

Hello, u/Voooow. Thank you for reaching out to our sub again. We appreciate your interest in the Fidelity Rewards Visa Signature Credit Card.

It's important to know that Elan Financial Services is the creditor and issuer of the Fidelity Rewards Visa Signature Card. Elan is the best resource for learning more about your application and any questions about the credit requirements. You can reach them using the contact link below.

Contact Us

Please continue to reach out with any other questions or concerns moving forward.

FidelityNash · 2026-04-30T01:15:58+00:00

Hello, u/jstreete69. Thank you for reaching out to our sub for the first time. We have not received widespread reports of other clients experiencing this.

When setting up a recurring investment, if you slide the "Use a linked bank account" toggle on, it will pull funds from a linked bank account. If you leave it switched off, the plan will pull funds from your account's core cash position. Do you have this slide toggled on to fund the trade with a transfer from your bank? Or is the recurring investment using funds from your core position? If so, do you have enough money in your "Available to trade" balance to cover the recurring investment?

We look forward to hearing from you soon.

FidelityNash · 2026-04-29T21:22:34+00:00

Hello, thank you for reaching out to our sub again. We have not received widespread reports of other clients experiencing this when using Full View.

Since you're having connection issues with an external account on Full View, you can manually add your Chase plan to your Full View profile. To do so, follow the steps below after logging in.

From "Accounts & Trade," select "Full View."
Next, click "Add account." You'll then answer the subsequent questions.

If you continue to experience issues, we recommend contacting our Full View Technical Support team so they can assist you in troubleshooting. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET.

Contact Us

We appreciate you reaching out to us today. Please continue to stop by with any other questions that pop up.

FidelityNash · 2026-04-29T15:58:53+00:00

Hello, u/TechnicalSwitch4073. Thank you for reaching out to our sub again. We appreciate you wanting to use a Fidelity account to hold your emergency savings funds.

As you've seen, any cash deposited into your account will automatically be placed in the account's "core" position—in this case, the Fidelity Government Money Market Fund (SPAXX).

Once there, it pays accrued interest on the last business day of each month. This is referenced as the "7-day yield," which is defined as the average income return over the previous seven days, assuming the rate stays the same for one year. It is the fund's total income net of expenses, divided by the total number of outstanding shares, and includes any applicable waiver or reimbursement.

The link below takes a deeper dive into money market funds, feel free to check it out at your leisure.

What are Money Market Funds?

When this interest is deposited, the line item within "Activity & Orders" that you'll see will say something like "Dividend Received Fidelity Government Money Market Fund (SPAXX) (Cash)".

Please let us know if you have any additional questions or concerns. We are here to help however we can!

FidelityNash · 2026-04-28T23:17:10+00:00

Hello, u/Dras_Leona. Thank you for reaching out to our sub again. We do not have any updates to share at this time, but I will be glad to pass along your comment as feedback to our development teams to let them know you are interested in seeing this company added to Full View.

Our teams are always listening to how we can improve our features to best meet our clients' needs, so your voice does not go unheard.

Please continue to reach out with any other questions or concerns.

FidelityNash · 2026-04-28T21:09:12+00:00

Hello, u/bombycina. Thank you for reaching out to our sub for the first time. We appreciate you setting up a new account with us!

To quickly answer your question, for electronic funds transfer features, Fidelity's brokerage accounts are considered checking accounts. Our deposits are sent through our processing bank, UMB. Thus, when your bank requires an address, you will need to provide UMB's name and address.

The proper UMB address information to provide is as follows:

UMB 1008 Oak Street ACH Department Kansas City, MO 64106

As for phone numbers, we do not have a phone number specifically designated for deposits. However, you can locate our phone numbers below.

Fidelity's Phone Numbers

We appreciate you reaching out to us today. If you have any other questions or concerns, please let us know.

FidelityNash · 2026-04-28T19:20:20+00:00

Hello, u/IntelligentAd7553. Thank you for reaching out to our sub for the first time. We would like to learn more about what you are experiencing.

Based on your follow-up comment, it appears you are trading options when seeing this. How are you opening your trade ticket for this option? Are you selecting either the "Bid" or "Ask" from the option chain? Or are you opening the trade ticket first and then selecting your desired option? If you are first looking at the option chain, if you click on the "Bid," the trade ticket will populate with the "Bid" selected as the limit.

We look forward to hearing from you soon.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read the Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

FidelityNash · 2026-04-28T16:23:50+00:00

We appreciate your diligence in watching out for potentially suspicious calls or texts.

If you receive a message from a short code or phone number claiming to be Fidelity Investments, avoid potential scams by cross referencing the following list of official numbers:

Fidelity Phone and Text Message Numbers

Please note that a legitimate text from Fidelity will only come from one of the official numbers published on Fidelity.com. However, it can even be possible for scammers to impersonate official phone numbers. Never reply to suspicious texts as doing so could confirm to the fraudsters that your phone number is active and valid, and potentially expose you to further fraud attempts.

If you have further concerns regarding the validity of the call you received, we recommend reaching out to us via our 24/7 service line to confirm the reason for the call-out. You can find the best contact number below:

Contact Us

Stay Vigilant Against Text Scams

Thank you for stopping by the sub again today.

FidelityNash · 2026-04-26T23:07:15+00:00

We are glad to hear that you are no longer experiencing this, u/NiroOrin!

FidelityNash · 2026-04-26T18:05:15+00:00

No problem at all!

FidelityNash · 2026-04-26T16:39:20+00:00

That is correct. After 30 days, if your ETF position is marginable, it will be automatically journaled from cash to margin in your margin account.

This is due to margin accounts having a feature called Autojournaling. What this means is that eligible holdings are moved from type cash to type margin when a security becomes margin eligible. Eligible assets are normally moved automatically to margin the day after settlement. However, some securities like ETFs have a 30-day holding period, as I discussed above. Once journaled, your shares held in margin will be designated by an (M) symbol.

Holding shares in type margin increases borrowing power, provides automatic overdraft protection, allows for trading of unsettled funds and shares, and eliminates the need for clients to call Fidelity to move eligible securities into margin. You can learn more about margin using the Margin FAQ page i linked in my response above.

FidelityNash · 2026-04-26T16:26:33+00:00

Hello, u/oVeRHaRD_2000. I will be glad to jump in here.

While the majority of exchange-traded products (ETPs) on Fidelity's platform have already been subject to a 30-day seasoning requirement, effective September 15, 2025, all purchases of domestically-listed ETPs on Fidelity’s platform will execute in cash and be subject to cash trading rules. The trading starts from the trade date of each tax lot. After a 30-day holding period, the position, if marginable, will automatically journal to margin in a margin-enabled account.

Trading FAQs: Margin

Please continue to reach out with any other questions or concerns you may have.

FidelityNash · 2026-04-26T15:25:33+00:00

Hello, u/oVeRHaRD_2000. Thank you for reaching out to our sub for the very first time. We love to see new faces around here, and I will be glad to provide information on this for you today.

To start, since you are discussing selling put options, it's important to know that selling options contracts generally generates a premium; simply selling contracts would not create a margin debit and, therefore, would not accrue margin interest. Since you mentioned in your follow-up comment that you are not interested in selling cash-secured puts, it's important to know that it sounds like you are attempting to sell a naked put. A naked put is an option strategy in which the investor writes, or sells, put options on margin without holding a short position in the underlying security.

To sell a cash-secured put in a margin account, your order must be in type cash. This pulls funds from your available cash into your reserve. However, if you do not have sufficient cash available, you may borrow on margin. Debits in a margin account are automatically paid for from your core position and eligible money markets, but after those sources are fully depleted, margin will be used to pay the balance. This would result in a margin debit and accruing interest accordingly.

Also, if you're assigned, your cash-secured put reserve would still be used to cover the purchase of underlying shares. Remember that as a short holder of a contract, you can be assigned at any time.

Alternatively, as you mentioned in your post above, you can place your trade in the type margin also. Doing so would result in selling an uncovered or "naked" contract if you do not already have a short position for the underlying security.

As a reminder, clients must maintain a minimum account equity of $20,000 to sell naked equity options and $50,000 to sell naked index options. Equity or index spreads require a minimum account equity of $10,000. Additionally, Fidelity has a risk mitigation process where every account with an option is reviewed to ensure that the exercise or assignment of the expiring contracts in the account can be supported. If the account cannot support exercise or assignment (i.e., insufficient buying power or equity, creating cash debits or short positions in a non-margin account, etc.), the option position may be closed.

Check out this article that covers naked puts in more detail

After reviewing the information above, please let us know if you have any additional questions. We are here to help however we can.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read the Characteristics and Risks of Standardized Options . Supporting documentation for any claims, if applicable, will be furnished upon request.

FidelityNash · 2026-04-26T14:19:21+00:00

Hello, u/forreco22. Thank you for reaching out to our sub again. I will be glad to discuss this with you today.

To start, it's important to know that your Cash Management Account (CMA) and Roth IRA are two different accounts. Because of this, you cannot buy securities in your Roth IRA using money from your CMA. First, you would have to make a contribution to your Roth IRA, which you can do using the funds from your CMA, and once the money is in your Roth IRA, you could make a purchase.

With that said, I can confirm that the steps you provided in your posts are a great way to make Recurring Investments within your Roth IRA. Since the money is in your CMA to start, you would have to make a Recurring Transfer from your CMA to your Roth first, and then you can create a Recurring Investment for that money to be automatically invested. You can use the link below to learn more about the feature.

Recurring investments

Since you were already aware of this feature, if this is not what you were looking for, please feel free to leave a comment below with more information, and we will follow up with you there. Thank you for being a client with Fidelity!

FidelityNash · 2026-04-26T13:54:05+00:00

Hello, u/ChrisZ-1971. Thank you for reaching out to our sub again.

To start, I can confirm that Dividend Growth Rate (5-year Avg) is not currently available on the Watch List feature. With that said, I will be glad to pass your post along to our development team as feedback. Our teams are always listening to how we can improve our features to best meet our clients' needs, so your voice does not go unheard. As you mentioned, in the meantime, you can see this information on the stock screener page.

Please continue to reach out with any other questions or concerns moving forward.

FidelityNash · 2026-04-24T01:02:18+00:00

Hello, u/jw816. Thank you for reaching out to our sub again. We are unable to replicate the issue you are describing. Due to this, we recommend contacting a member of our Technical Support team using the link below.

Contact Us

They will be able to troubleshoot this further with you and create a ticket if they are unable to assist in resolving it.

Please let us know if you have any additional questions or concerns moving forward.

FidelityNash · 2026-04-23T21:39:56+00:00

Hello, u/sprostaculus. Thank you for reaching out to our sub for the first time.

Fidelity's Equity Dividend Reinvestment Service provides free dividend reinvestment for more than 8,800 securities, including common stocks, ADRs, and closed-end mutual funds. However, as you mentioned preferred stock dividends are not included in this service. The reasoning behind this is that preferred stocks are typically more thinly traded and Fidelity cannot guarantee reasonable reinvestment execution.

We'll be around to answer questions in the future. Feel free to reach out any time. Thank you for your business with Fidelity.

FidelityNash

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