Fidelity’s routing number for direct deposits, electronic funds transfers, and bill payments is 101205681. This single routing number works across Fidelity brokerage accounts, IRAs, cash management accounts, 529 college savings plans, and mutual fund accounts for most everyday money transfers. Wire transfers, however, use a different routing number depending on your account type.
When to Use 101205681
The routing number 101205681 is the one you’ll use most often. It covers direct deposits (like your paycheck or tax refund), automatic bill payments where a company debits your Fidelity account, and standard electronic funds transfers between Fidelity and an outside bank. If your employer asks for banking details to set up direct deposit, this is the routing number to give them.
Along with the routing number, you’ll need your Fidelity account number, which is formatted as a 17-digit number for electronic transfers. You can find this formatted version by logging into your Fidelity account online. The 17-digit format may differ from the shorter account number you see on your statements, so double-check before submitting it to a payroll department or biller.
Wire Transfer Routing Numbers
Incoming wire transfers to Fidelity don’t use the 101205681 routing number. Wires are processed through intermediary banks, and the routing number depends on which type of Fidelity account is receiving the funds.
For brokerage accounts (including most IRAs and cash management accounts), wires go through J.P. Morgan Chase. The routing number is 021000021, and the wire should be credited to National Financial Services LLC, account number 066196-221. You’ll also need to include the names of all owners on your Fidelity account and your individual account number in the “for final credit to” field.
For mutual fund-only accounts, wires go through Deutsche Bank Trust Company. The routing number is 021001033, credited to Fidelity Group of Funds, account number 00163053. Include the specific fund name and your account number so the money reaches the right place.
Getting these details wrong can delay a wire by days, so it’s worth confirming which account type you hold before sending instructions to your bank. Fidelity publishes the full wire instructions on its website under “Bank wire transfers.”
How to Find Your Account Number
Your routing number is always 101205681 for non-wire transfers, but your account number is unique to you. To find the 17-digit formatted version needed for direct deposit and electronic debits, log into Fidelity.com and navigate to the account you want to use. The formatted number is available through the account details or the “Move Money” section. If you’re using the Fidelity mobile app, you can access the same information after logging in.
Keep in mind that Fidelity is a brokerage, not a traditional bank. The routing number is associated with a partner bank (UMB Bank) that handles the back-end processing of electronic transfers. This doesn’t change anything on your end. You use 101205681 just as you would a checking account routing number, and the funds land in your Fidelity account.
Quick Reference
- Direct deposit, EFT, and bill pay: 101205681
- Wire transfers to brokerage accounts: 021000021 (J.P. Morgan Chase)
- Wire transfers to mutual fund-only accounts: 021001033 (Deutsche Bank Trust Company)