Fidelity New Account Bonus: How to Claim It in 2026

Updated March 2026 | Reviewed by WiseIQ Editorial Team

Are you looking to maximize your investments with a new brokerage account? A Fidelity new account bonus can be a fantastic way to boost your initial capital. This comprehensive guide will walk you through the process of claiming your bonus in 2026, detailing current promotions, eligibility requirements, and how Fidelity stacks up against other leading brokers offering similar incentives.

Current Fidelity Promotions: Cash Bonuses for Funding New Accounts

Fidelity frequently offers attractive cash bonuses to new customers who open and fund eligible brokerage accounts. These promotions are designed to encourage new investors and can range from a few hundred to several thousand dollars, depending on the amount of new money deposited. It\'s crucial to review the specific terms of each offer, as they often have minimum deposit requirements and timeframes for funding.

How Fidelity\'s Bonuses Work

Typically, Fidelity\'s new account bonuses are tiered. This means the bonus amount increases with the amount of qualifying net new assets you deposit into your account. For example, you might receive $100 for depositing $50,000, $250 for $100,000, and so on. These bonuses are usually credited to your account within a few weeks after meeting the funding requirements and maintaining the balance for a specified period, often 90 days or more.

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Step-by-Step: How to Claim Your Fidelity New Account Bonus

Claiming your Fidelity new account bonus is a straightforward process, but it requires careful attention to detail to ensure you meet all the conditions. Follow these steps to secure your bonus:

Choose an Eligible Offer: Visit the Fidelity promotions page to find the latest new account bonus offers. Read the terms and conditions carefully to understand the minimum deposit, eligible account types, and any other requirements.
Open a New Account: Select the type of account that qualifies for the bonus (e.g., individual brokerage, IRA). Complete the online application process, providing all necessary personal and financial information.
Fund Your Account: Deposit the required amount of new money within the specified timeframe. This usually involves transferring funds from an external bank account or another brokerage.
Maintain the Balance: Keep the required balance in your account for the duration specified in the offer terms, often 90 days or more. This is crucial to ensure you receive the bonus.
Receive Your Bonus: Once you\'ve met all the requirements, the bonus will be credited to your account. This typically happens within a few weeks after the holding period ends.

Eligibility Requirements for Fidelity Bonuses

Before you apply for a Fidelity new account bonus, it\'s essential to understand the eligibility criteria. These requirements can vary depending on the specific promotion, but generally include:

New Customers Only: Most bonuses are exclusively for new customers who have not previously held an account with Fidelity. Existing customers may be eligible for different promotions, such as referral bonuses or targeted offers.
Account Types: Ensure the account you\'re opening qualifies for the bonus. Common eligible accounts include individual and joint brokerage accounts, traditional IRAs, and Roth IRAs. Some promotions may exclude certain account types, such as trust or corporate accounts.
Minimum Deposit: You must deposit the required amount of new money to qualify for the bonus. This amount can range from a few hundred to several thousand dollars, depending on the offer.
Funding Timeframe: The deposit must be made within a specific timeframe, usually within 30 to 60 days of opening the account.
Holding Period: You must maintain the required balance in your account for a specified period, often 90 days or more, to receive the bonus.

Comparison Table: Broker Bonuses (Fidelity vs. Competitors)

When considering a new brokerage account, it\'s helpful to compare the bonuses offered by different providers. Here\'s a comparison of Fidelity\'s new account bonus with those of other popular brokers:

Broker	Bonus Amount	Minimum Deposit	Key Features
Fidelity	Up to $100 (Starter) or Tiered Cash	$50 (Starter) or Varies	No account fees, fractional shares, excellent research tools.
Charles Schwab	Up to $1,000	$25,000+	Robust platform, extensive educational resources, 24/7 support.
Robinhood	Free Stock (Value $5-$200)	$0	User-friendly app, commission-free trading, cryptocurrency access.
Webull	Up to 12 Free Fractional Shares	Any amount	Advanced charting tools, extended hours trading, paper trading.
SoFi Invest	Up to $1,000 in Free Stock	$10+	All-in-one financial app, automated investing options, member benefits.

Terms and Conditions to Watch For

While new account bonuses can be lucrative, it\'s crucial to read the fine print. Here are some common terms and conditions to watch out for when claiming a Fidelity bonus:

Tax Implications: Bonuses are generally considered taxable income and will be reported to the IRS on Form 1099-INT or 1099-MISC. You\'ll need to report this income on your tax return.
Account Closure Fees: Some brokers may charge a fee if you close your account shortly after receiving the bonus. Be sure to check the terms for any early closure penalties.
Qualifying Assets: Ensure the assets you deposit qualify for the bonus. Some promotions may exclude certain types of assets, such as mutual funds or options.
Promotion Expiration: Bonuses are often available for a limited time. Make sure you apply and meet the requirements before the promotion expires.

Maximizing Your Fidelity Experience Beyond the Bonus

While the initial cash bonus is a great incentive, the true value of a Fidelity account lies in its long-term benefits. Fidelity is renowned for its comprehensive suite of investment products, low fees, and exceptional customer service. Once you\'ve claimed your bonus, take advantage of the platform\'s robust research tools, educational resources, and diverse investment options to build a diversified portfolio tailored to your financial goals.

Fidelity offers a wide range of investment choices, including individual stocks, bonds, mutual funds, exchange-traded funds (ETFs), and options. Their zero-expense-ratio index funds are particularly attractive for cost-conscious investors. Additionally, Fidelity\'s fractional shares feature allows you to invest in high-priced stocks with as little as $1, making it easier to build a diversified portfolio regardless of your initial capital.

Furthermore, Fidelity provides extensive educational resources, including articles, videos, and webinars, to help you make informed investment decisions. Their customer support team is available 24/7 to assist with any questions or concerns you may have. By leveraging these resources, you can maximize your investment potential and achieve your financial objectives.

It\'s also worth exploring Fidelity\'s other financial products, such as their cash management account, which offers ATM fee reimbursements and competitive interest rates. By consolidating your financial activities with Fidelity, you can streamline your money management and potentially unlock additional benefits and rewards.

In conclusion, a Fidelity new account bonus is an excellent way to kickstart your investment journey. By understanding the eligibility requirements, comparing offers, and carefully reviewing the terms and conditions, you can secure a valuable cash incentive. However, the true value of a Fidelity account extends far beyond the initial bonus, offering a comprehensive platform, low fees, and exceptional resources to help you achieve long-term financial success.

Frequently Asked Questions (FAQ)

1. How long does it take to receive the Fidelity new account bonus?

Typically, the bonus is credited to your account within a few weeks after you have met all the funding requirements and maintained the balance for the specified holding period, which is often 90 days or more.

2. Are Fidelity new account bonuses taxable?

Yes, cash bonuses are generally considered taxable income by the IRS. Fidelity will likely send you a Form 1099-INT or 1099-MISC at the end of the year, and you will need to report the bonus on your tax return.

3. Can existing Fidelity customers get a new account bonus?

Most new account bonuses are designed specifically for new customers. However, existing customers may occasionally be eligible for targeted promotions or referral bonuses. It\'s best to check Fidelity\'s current offers or contact customer service for details.

4. What happens if my account balance drops below the required minimum during the holding period?

If your account balance falls below the required minimum due to market fluctuations, you typically won\'t lose the bonus. However, if the balance drops because you withdrew funds, you may forfeit the bonus. Always read the specific terms and conditions of the offer.

5. Can I combine a new account bonus with other Fidelity promotions?

Generally, you cannot combine multiple new account bonuses or promotions. You usually have to choose the single offer that provides the most value for your specific situation.

6. Is there a fee to open a Fidelity account?

No, Fidelity does not charge a fee to open a standard brokerage account or an IRA. They also offer commission-free online trading for US stocks and ETFs.

7. What types of accounts are eligible for the bonus?

Eligible accounts typically include individual and joint non-retirement brokerage accounts, as well as Traditional IRAs and Roth IRAs. Business accounts, trust accounts, and certain other specialized accounts may be excluded.

Financial Disclaimer: WiseIQ is not a financial advisor. Content is for informational purposes only and not financial advice. Consult a qualified financial professional for personalized advice.