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Fidelity Investments® Ancillary Charges

For CMAP accounts, the ancillary fees must be charged directly to the client's account and not covered by the financial professional.

Account and Service Charges

As of October 2024

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Account or ServiceFee AmountFrequencyIncluded in WealthPort® Program Fee
Cost basis*$0.82Per statementX
Cost basis – detailed*$1.07Per statementX
Custody and recordkeeping fee (retail inactivity fee)**$35.00Annual 
HSA annual maintenance fee$35.00AnnualX
HSA liquidation fee$25.00Full account liquidationX
Legal transfer fee**$150.00Per position 
Outgoing transfer fee – retail accounts **$125.00Per outgoing transfer 
Paper statement surcharge **$1.00Per statementX
Paper trade confirmation surcharge**$1.00Per trade confirmationX
Return of legal item**$75.00Per item returned 
UBTI tax filing fee**$300.00Annual 
 
Retirement Account Fees
IRA maintenance fee**$35.00AnnualX
Termination fee**$160.00 ($125.00 termination fee + $35.00 maintenance fee)Upon closure of the account 
 
Cash Management Services
Select and Premier Access
Select Access (ACH direct deposit and bill pay)$10.00Annual 
Select Access (ACH direct deposit, bill pay, and checkwriting)$15.00Annual 
Select Access (ACH direct deposit, bill pay, and debit card)$15.00Annual 
Select Access (ACH direct deposit, bill pay, checkwriting, and debit card)$20.00Annual 
Premier Access$100.00Annual 
 
Debit Card
Select Access in network ATM fee$1.00Per transaction 
Premier Access in network ATM feeNo charge  
Select Access/Premier Access out of network ATM feeVaries based on ATMPer transaction 
Premier Access metal card upgrade$10.00Annual 
 
Bill Pay
Unlimited Bill PayNo charge  
Bill Pay Insufficient Funds$20.00Per event, per investor 
Bill Pay Check Photocopy$20.00Per check 
 
Misc.
Select Access personal checkbook reorderNo charge  
Select Access deposit slip orderNo charge  
Select Access/Premier Access stop payment fee$10.00Per stop payment 
Select Access/Premier Access returned check fee$15.00Per returned check 
Select Access/Premier Access style 38 checkbook reorder – includes 500 checks and 90 deposit slips$55.00Per reorder 
Select Access/Premier Access check copy request$2.50Per check copy requested 
 
Other Check Management Services
Check request   
Overnight courier fee**$30.00Per overnight request 
Mailgrams**$5.00Per mailgram 
Margin extension**$20.00Per extension 
Returned EFT feeNo charge  
Returned check fee – retail account**$15.00Per returned check 
Returned check fee – retirement account**No charge  
Stop payment/stop check fee – retail account**$20.00Per stop payment 
Stop payment/stop check fee – retirement account**No charge  
Wire transfer**$15.00Per wire request 
 
Investment Specific
Alternative investment holding fee for registered positions**$35.00 for registered positionsAnnual – per position, maximum of $500.00 
Alternative investment holding fee for non-registered positions**$125.00 for non-registered positionsAnnual – per position, maximum of $500.00 
Alternative investment document review (due diligence)**$100.00Per review 
Alternative investment purchase, redemption, or re-registration fee**$50.00Per purchase, redemption, or re-registration 
Equity dividend reinvestmentNo charge  
Physical reorganization**$150.00Per reorganization 
Restricted stock – returned security priced at $1.00 or less**$11.00Per returned security 
Restricted stock – service request (legend removal, gifting, re-registration)**$150.00Per service request 
Restricted stock – unauthorized sale penalty**$40.00Per unauthorized sale 
Safekeeping fee**$15.00Per position per month 
Transfer and ship – only available on non-DRS eligible securities (DTC transfer or physical certificate request)$500.00Per request 
Transfer and ship DRS eligible securities (outgoing statement sent to transfer agent)**$15.00Per request 
Transfer and ship DRS eligible securities (incoming statement sent to transfer agent)$15.00Per request 
Voluntary reorganization**$20.00Per reorganization 
 
Securities and Exchange Commission Fee Rate
SEC Section 31$20.60 per $1 million for covered salesPer transaction - effective April 4, 2026 

Margin

The margin rate is based on National Financial Base Lending Rate (NFBLR). This rate is set at the discretion of Fidelity Investments.

$0 - $9,999 = 300 + NFBLR

$10,000 - $24,999 = 2.75 + NFBLR

$25,000 - $99,999 = 1.75 + NFBLR

$100,000 - $499,999 = 1.25 + NFBLR

$500,000 (+) = 1.00 + NFBLR

For questions, please contact your financial professional.

Asterisks show who the charges defaults to and who can pick up the charge:
*Defaults to the financial professional.
**Defaults to the client, but the financial professional may choose to reimburse.
***Client charge only.

Note: If an account does not have sufficient funds (or cash) to cover ancillary fees, the fees are subject to be allocated to the financial professional for any account regardless of the account program type.