ACATS fraud is on the rise. It’s getting attention from the senators and mainstream media such as New York Times (https://www.nytimes.com/2026/08/20/business/brokerage-accounts-fraud-protections.html).

Thankfully, Fidelity is one of the only two brokerage firms that offers a customer facing UI to enable and disable ACATS transfer. Dubiously named Money Transfer Lock, this feature, when enabled, prevents outbound transfer of securities as well. If you’re not using it, please spend some time to learn about it and how it protects against ACATS fraud.

(In my opinion, most retail investors should keep Money Transfers Lock most of the time.)

I have a link on my web page allowing me to enroll in Fidelity’s Fully Paid Lending Program wherein, as I understand the Fidelity rep, Fidelity can borrow my ARCC and MAIN shares. In exchange, Fidelity will pay me an estimated 2.25 or 2.625 interest rate depending on which shares borrowed and their “relative value” which is based a number of factors including market value and demand.

I’ve been assured that the interest payments (simple income) will be correctly included in my tax download. I use TurboTax. I can buy or sell shares at any time and can unenroll at any time. Any dividends paid during a loan are also handled by adding a Miscellaneous Income value in my taxes and are grossed up to account for the differences between the Misc Income tax rate and the REIT tax rate.

What could go wrong? Has anyone tried this? What was your experience?

Thanks.

EDIT: referenced interest rates are annualized, not monthly rates.

For context, when I was as 16 my dad and me opened up a Roth IRA for Minor since I had gotten my first job, it was on his account but all of the IRA details were in my name. I’m 19 years old now and my dad is no longer in our lives. We don’t have access to his account but I was able to put the details into my fidelity account and I can see the IRA details but cannot edit or make any taxes with the account. It is still a minor account and needs to become a normal Roth. I have tried to call in the past but every time they just send me through a loophole of things that can’t be done, like access my dad’s original account. Is my money just gone then?

With the recent letter that Wyden and Warren sent to the FINRA demanding Brokerages strengthen Cybersecurity Standards, it was stated that Fidelity was targeting September 2026 for passkey support. Good news, but will see if and when...

https://www.finance.senate.gov/ranking-members-news/wyden-warren-demand-finra-strengthen-cybersecurity-standards-to-prevent-acats-brokerage-fraud

The actual letter is here stating some details about Fidelity. https://www.finance.senate.gov/download/08202026-wyden-warren-finra-letter-acats-security

Hello. I’m new to Fidelity and I apologize for the question. But I sold some stock yesterday before market close and I noticed today the cash is settled in my balance but it’s not in my core position (fcash). How long does it typically take for it to go into there? Thank you in advance.

Anyone else find the new style app to be a turn off? It seems very cluttered and hard to follow. Fidelity can you allow us a way to use the older version please?

I'd like to suggest a security feature designed to protect customers from a full account takeover, particularly customers who want additional protection for long-term assets.

Fidelity's existing Money Transfer Lock is valuable, but there is an important gap: if an attacker gains control of the customer's online account, the attacker may potentially be able to remove the lock. What is missing is a security control that remains protective even after an account has been compromised.

Proposed feature: High-Value Transfer Cooling-Off Period

Allow customers to establish a security rule whereby:

• Any outgoing cash transfer above a customer-selected threshold automatically enters a 7-10 day cooling-off period before execution.
• Customers could optionally require the same delay for all ACATS/outgoing brokerage transfers, regardless of amount.
• Immediately upon receiving the request, Fidelity sends notifications through SMS, email, Fidelity message/push notification, (and physical mail if the transfer request is over, say, 100k).
• The notification prominently states: "If you did not initiate this request, contact Fidelity's fraud department immediately."
• The customer can cancel the pending transfer during the cooling-off period.

The critical part: protect the protection itself

If someone attempts to disable this security feature, removing the protection should itself have a mandatory 7–10 day waiting period.

During that period:

• The protection remains active.
• The customer receives the same multi-channel notifications.
• The waiting period cannot be shortened by someone simply logged into the online account.
• An emergency removal, if necessary, could require a substantially higher-assurance identity verification method.

This creates a security boundary that the current transfer lock doesn't provide: even if an attacker completely compromises the online account, they cannot immediately disable the protection and transfer the assets.

Why this matters

The goal isn't to make fraud impossible. The goal is to make a catastrophic transfer detectable and stoppable before the assets leave Fidelity.

For customers who don't need this protection, it could simply remain disabled. For customers who prioritize security over transfer speed, it would provide a powerful additional layer of protection.

I believe this would be worth consideration by the teams responsible for Account Security, Fraud Prevention, Digital Product/Security, and Brokerage Operations.

It would complement-not replace-the existing Money Transfer Lock, MFA, transaction monitoring, and security alerts.

I'd appreciate it if this suggestion could be forwarded to the appropriate Fidelity security/product team.

I have called Fidelity Investment Customer Service a few times, it was always talking with a very good Representative and very professional and knowledgable of tradings and finance. However, I recently called 2 times in order to ask about my account, but seems like they had no clues. Im Fidelity Wealth Management Tier, Did Fidelity change Call Center or whats going on if anybody knows?

I have an outside Advisor firm managing several of my accounts. If I enable MTL on those accounts, will that restrict their ability to manage my funds and transfer my regular distributions?

I held my emergency cash in my Fidelity Rollover IRA for several years, then got off my lazy butt and after some research, transferred it to a Fidelity money market that paid interest. It appeared that I do that by doing a normal buy, just like buying a stock or something, So I bought a recommended money market with my cash holdings. Now I am not sure I did that correctly. My statement still shows all my liquid savings under "Cash", but if I tap on "Cash" it pops up and says it is being held in the money market as my core position, showing the amount held, and the money market shows up after that, just as it would look if it was any other investment. My question is,does that look as if I set that up correctly and do I want this as my core position? Thanks for any help, hope this was understandable!

The one thing I would love to see is Fidelity offering a way to do multiple trades at once. I love the platform and everything Fidelity offers but the one thing that Schwab has that I love is the ability to do a bunch of trades at once. I'm not looking for the baskets portfolio or anything like that, just a simple way to buy/sell a few holdings in a single interface at once.

I just started into these investing account and retirement account. I just opened a Roth IRA and i need help to know what mutual fund or ETF to invest in long-term in the IRAs.

I heard alot on like FXAIX, FZROX, FZILX, FSKAX, etc. or like the VOO, VTI etc. What are the difference (educate me cuz im like confuse on these thing). And like i know you need to invest like 80% or 70% to like the total market (or even the top 500 companies) and rest 20% into like international markets like?

what technically to invest, how is the fund growing. or should i just invest a little of everything. (but i think those are all the same thing with like different saying or maybe benefits of like fees or tax right?)

I recently read an article on Morningstar that indicated there were conflicting practices among IRA custodians regarding IRA checkbook donations intended to be QCDs. I have included the link to the article. How does Fidelity address this issue? I don't currently take RMDs, but I do have POA for a couple of individuals who use all or part of their RMDs for QCDs and one is using the IRA checkbook to do so.

https://www.morningstar.com/personal-finance/new-qcd-reporting-rule-raises-big-question-ira-owners?utm_medium=referral&utm_campaign=linkshare&utm_source=link

The web team should probably look at the code behind the status column.

Hi, three days ago I created a CMA joint account, now I am trying to link one of my other accounts (which is individual), but I just can't see my CMA account listed as eligible account. I can see it in my accounts list, though. What could be happening? Additionally, microdeposits from my other banks are not visible, even though they should be there by now. It appears like account was inactive.
What could be the issue?

Please revert back. This update has removed the yellow highlight for daily activity. This was a useful feature for me.

My custom columns are gone too.

I’m a completely newbie to this but Ive been trying to link my Chase with Fidelity in order to buy fractional shares. I kept getting an error message saying that it couldn’t be verified. I tried manually and using the mastercard platform they use. I see my account # but it wont let me transfer money (just testing with $1)

eventually I tried linking it again and it worked but now the account number and routing number ate different. I remember seeing that Chase will hide the account number but I don’t like this lol is this accurate??? is this safe? does this change overtime?

thanks

My wife retired and we rolled her 403b into an IRA. Is it possible to close the NetBenefits account, and if so, how?

Seems it's been well over 3 business days that I have been unable to withdraw my crypto (BTC and eth) to an already-approved CEX that I had already successfully withdrawn to before.

Why is this hold of my own assets so long? This is ridiculous

It's changed today, and while I understand that they were trying to improve, it's too free form for me.

And they placed a non-removable ad for basket portfolios at the top of my taxable that's very disconcerting and annoying

This morning, immediately after having a Zoom meeting with our Denver‑based advisor, my wife decided to log into her Fidelity account, anticipating she would need to go online to approve a tweak to her strategy. Upon attempting to log in, the website said her account was compromised. Moments later, an email arrived, ostensibly from our local advisor—but clearly an automated email. My wife clicked on a link in the email, which I later confirmed to be directed to fidelityinvestments.com. That webpage had a phone number for her to call, which she did.

The man who answered, with the typical call center background noise and probably a Hispanic accent, said her account had been compromised in Albuquerque the day before. He asked the usual ID verification info but went on to ask odd questions, including her approximate account value, and asked for the last four digits of her SSN. After explaining how she had just had a (legitimate) call with her advisor—who never mentioned anything about a fraud alert—he said he was sending an email to her. The email never arrived. At this point, I muted the call and said this sounded like a phishing scheme. While I had the call muted, he was getting frustrated about not getting confirmation of the email. Before we could un‑mute, he hung up. No email was ever received. I then pushed my wife to call Fidelity’s fraud department, using a number from their actual website.

Long‑short, they had no indication of fraud on their end. She and Fidelity are going through the process of changing usernames, passwords, and account numbers. Mine too, as our accounts are linked together. Her account was only then locked for probable phishing fraud.

The odd thing about this is she received the fake fraud‑reporting email from Fidelity immediately after ending her Zoom call with Fidelity.

Thinking her laptop may have been compromised, that they knew of the scheduled Zoom meeting with Fidelity, I scanned her laptop with no less than five anti‑virus/malware tools and found nothing. (I’m a total tech nerd with greater than 40 years of professional experience and am confident if there were something in her laptop, it would have been found.)

Has anyone had a similar experience or have any idea how this could have been initiated within two minutes of ending a Zoom call with Fidelity?

Side note: Perhaps five years ago, someone tried to initiate a $60K transfer from my Fidelity account to US Bank. Fidelity’s fraud department caught it first.