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Fidelity Commissions and Fees Schedule in 2026
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Fidelity Commission Structure
| Investments | Commissions |
|---|
| Stocks and ETFs | $0 |
| Stocks and ETFs broker assisted | $32.95 |
| Options | $0.65 per contract |
| Mutual funds | $49.95 to buy. $49.95 to sell if sold within 2 months, $0 otherwise |
| Bonds and CDs (new issues) | on a net yield basis |
| Bonds and CDs (secondary issues) | $1.00 per bond ($250 maximum) |
| Investments | stocks, bonds, mutual funds, options, commercial paper, UITs, ETFs |
| Fidelity minimum deposit to open account | $0 |
Fidelity IRA Fees
| Fee |
Amount |
| Fidelity IRA setup fee |
$0 |
| Fidelity annual IRA fee |
$0 |
| SIMPLE IRA annual fee |
$25 |
| Fidelity IRA termination fee |
$50 |
| Fidelity account maintenance fee |
$0 |
| Fidelity account inactivity fee |
$0 |
| Fidelity outbound full account transfer (ACAT) fee |
$0 |
| Fidelity outbound partial account transfer fee |
$0 |
Fidelity Managed Accounts Charges
Fidelity Margin Rates
|
Debit Balance
|
Fidelity Margin Rates
|
|
above $1,000,000
|
7.5%
|
|
$500,000 – $999,999
|
7.8%
|
|
$250,000 – $499,999
|
10.075%
|
|
$100,000 – $249,999
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10.325%
|
|
$50,000 – $99,999
|
10.375%
|
|
$25,000 – $49,999
|
11.325%
|
|
$10,000 – $24,999
|
11.825%
|
|
$0 – $9,999
|
11.825%
|
Fidelity Account Fees
| Electronic statements |
$0 |
| Monthly statements |
$0 |
| Trade confirms |
$0 |
| Replacement statement |
$0 |
| Replacement confirm |
$0 |
| Fidelity ACAT (account transfer) fees |
$0 |
Fidelity Annual Fee
Fidelity does not charge an annual fee for regular brokerage individual or joint taxable
accounts. The firm also does not have an annual IRA fee (except for $25 annual SIMPLE IRA fee). There are
no monthly account charges.
Fidelity Inactivity and Maintenance Fee
Fidelity Investments does not charge account inactivity and maintenance fees.
Fidelity Cash Management Services Fees
| Electronic funds transfer (EFT) |
$0 |
| Fidelity BillPay |
$0 |
| Check copies |
$0 |
| Returned check |
$0 |
| Stop payment |
$0 |
Check ordering
|
$0 |
| Overnight check delivery |
$0 |
| Cashier's check |
$0 |
| Debit card annual fee |
$0 |
| Fidelity Cash Management Account ATM fee |
$0 |
| Fidelity Cash Management Account ATM bank surcharge |
Reimbursed |
| The Fidelity Account ATM fee |
$0
|
| Bank wire |
$0
|
| Foreign exchange wire |
Up to 3% of principal |
Fidelity Investing Fees
| Real-time quotes |
$0 |
| Streaming quotes |
$0 |
| Steaming Level II quotes |
$0 |
| Streaming news |
$0 |
| Transfer of assets |
$0 |
| Mandatory corporate reorganization |
$0 |
| Voluntary corporate reorganization |
$0 |
Depository Foreign Trust Company (DTC) foreign settlement fee
|
$50 |
| Stock certificate transfer and ship |
$100 per certificate*** |
| Mutual fund annual low balance fee |
$0 |
| Foreign dividends and reorganizations |
1% of principal |
| Margin liquidation |
$32.95 |
| Reg T extension |
$0 |
Cost Comparison
| Broker Fees |
Stock/ETF
Commission |
Mutual Fund
Commission |
Options
Commission |
Maintenance
Fee |
Annual IRA
Fee |
|
Charles Schwab
|
$0
|
$49.95 ($0 to sell)
|
$0.65 per contract
|
$0
|
$0
|
|
Robinhood
|
$0
|
na
|
$0 per contract
|
$0
|
$0
|
|
Fidelity
|
$0
|
$49.95
|
$0.65 per contract
|
$0
|
$0
|
Services Comparison
Fidelity Review
Read detailed Fidelity Investments Review.
Updated on 1/12/2026.
Arthur Chachuna is a professional personal finance blogger, and the owner of Brokerage-Review.com.
He has been an avid investor for 25 years, and has a background in both applied math and programming.
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