You can link a Fidelity brokerage or retirement account to Chase through Chase's bill pay and transfer features, but the process depends on which Fidelity account type you have and what you want to do with it.

The most common reason to link accounts is to move money between them — either to fund investments at Fidelity or to move cash back to Chase for spending. Chase allows you to add external accounts (including Fidelity) as transfer destinations through its online banking platform. The connection uses standard bank routing and account verification, and takes a few days to set up.

A second reason is to monitor both accounts in one place. Chase's aggregation feature lets you view Fidelity holdings alongside your Chase balances without formally linking them — you log in with your Fidelity credentials inside the Chase app, and Chase displays read-only information. This does not move money, but it saves you switching between apps.

Key Takeaways

  • To transfer money between Chase and Fidelity, you add Fidelity as an external account in Chase's transfer or bill pay section, then verify the connection with two small deposits.
  • Money transfers from Chase to Fidelity go into a Fidelity cash management account or money market fund, not directly into a brokerage account.
  • You can view Fidelity account balances inside the Chase mobile app without transferring money by using Chase's account aggregation feature.
  • Transfers typically take one to three business days, and Chase does not charge a fee for moving money to external accounts.
  • If you have a Fidelity 401(k) or IRA, you cannot transfer directly from Chase; you must contact Fidelity to set up a rollover or contribution separately.

Adding Fidelity as an external account in Chase online banking

Log into Chase.com or the Chase mobile app and go to the Transfers section. Select "Transfer money" or "Pay bills" (the exact wording varies by account type). Choose "Add external account" or "Add a payee" and enter Fidelity's routing number and your Fidelity account number.

Chase will ask you to verify the account by depositing two small amounts (usually under $1 each) into your Fidelity account. This takes one to two business days. Once the deposits appear in Fidelity, you return to Chase and enter the exact amounts to confirm you control the Fidelity account. After verification, the account stays linked and you can transfer money whenever you want.

The Fidelity routing number is 026009593 for most accounts. If you are unsure of your Fidelity account number, log into Fidelity.com, go to your account summary, and look for the account number listed next to your account name. Write it down exactly as it appears.

Where the money lands when you transfer from Chase to Fidelity

When you initiate a transfer from Chase to Fidelity, the money does not go into a brokerage account or investment position automatically. Instead, it lands in your Fidelity cash management account or money market fund — a holding area where the cash sits until you move it into an investment.

This is important because it means the transfer completes, but your money is not yet invested. You then log into Fidelity separately and move the cash from the money market fund into stocks, bonds, mutual funds, or whatever you want to buy. Some people set this up intentionally — they fund the cash account from Chase, then invest when they are ready. Others expect the money to go straight into an investment and are surprised to find it sitting in cash.

If you have a Fidelity brokerage account and want to fund it regularly, you can set up automatic transfers from Chase. The cash will still land in the money market fund first, but at least you do not have to remember to initiate each transfer manually.

Using Chase's account aggregation to view Fidelity without transferring

If you only want to see your Fidelity balance alongside your Chase accounts — without moving money — you can use Chase's account aggregation feature instead. Open the Chase mobile app, go to "Accounts," and select "Add account." Choose "Other financial institutions," search for Fidelity, and enter your Fidelity username and password.

Chase will then display your Fidelity account balance, holdings, and recent activity inside the app. You can see everything at a glance without logging into Fidelity separately. The connection is read-only, meaning Chase can see your information but cannot move money or make changes on your behalf.

This feature is useful if you have money spread across multiple banks and brokers and want one dashboard to check them all. It does not require the two-deposit verification process because no money is moving — Chase is just reading your account information with your permission.

Transferring money from Fidelity back to Chase

To move money from Fidelity to Chase, you initiate the transfer from Fidelity's side, not Chase. Log into Fidelity.com, go to "Accounts & Trade," then "Transfer & Pay." Select "Move money out" and choose Chase as the destination bank.

You will need to provide Chase's routing number (varies by state and account type — check your Chase checks or call Chase to confirm) and your Chase account number. Fidelity will verify the account with small deposits just like Chase did, and once verified, you can move money whenever you want.

Transfers from Fidelity to Chase typically take one to three business days. The money lands in your Chase checking or savings account as a deposit. There is no fee from either institution for this transfer.

Retirement accounts and special account types

If your Fidelity account is a 401(k), IRA, SEP-IRA, or other retirement account, you cannot link it to Chase for regular transfers. Retirement accounts have strict rules about who can move money in and out, and a direct transfer from a personal checking account does not meet those rules.

If you are leaving a job and have a 401(k) at Fidelity, you can roll it over to an IRA at Fidelity or another institution, but that process happens through Fidelity directly — you contact Fidelity's rollover team, they handle the paperwork, and the money moves between financial institutions without you touching it. If you want to contribute to a Fidelity IRA from Chase, you set up the contribution through Fidelity's website, and Fidelity pulls the money from Chase using the account information you provide.

For 529 college savings plans, Coverdell accounts, and other special account types, check Fidelity's transfer policies or call their customer service line. Some allow external transfers and some do not.

Troubleshooting common linking problems

If Chase rejects your Fidelity account number, double-check that you entered it exactly as it appears in Fidelity — including any dashes or letters. Account numbers are case-sensitive in some systems. If you are still stuck, log into Fidelity and look at your account statement; the account number is printed there.

If the verification deposits do not appear in Fidelity within two business days, wait one more day. Deposits sometimes take longer during weekends or holidays. If three business days have passed, contact Chase and ask them to resend the deposits or cancel the linking attempt so you can start over.

If you see an error message saying the account cannot be linked, it may be because Fidelity's system is temporarily down, or because the account type is not may be able to access for external transfers (this happens with some retirement accounts and trust accounts). Contact Fidelity to confirm the account can receive transfers from external banks.

Frequently Asked Questions

Does linking my accounts let Chase see my investments?

Only if you use the aggregation feature and log in with your Fidelity credentials. If you just add Fidelity as a transfer destination, Chase only knows the account number and routing number — they cannot see what you own or your balances. With aggregation turned on, Chase can see your holdings and balances but cannot buy, sell, or move money without your permission.

Can I set up automatic transfers from Chase to Fidelity?

Yes, once the account is linked and verified, you can schedule recurring transfers. In Chase's transfer section, select the Fidelity account as the destination and choose how often you want money to move (weekly, monthly, etc.). The transfer will happen automatically on the schedule you set.

What happens if I transfer money to the wrong Fidelity account?

If you entered the wrong account number, the money will go to a different Fidelity account — possibly someone else's. This is why Chase requires verification with the two small deposits. If you realize you made a mistake after the transfer, contact Fidelity when ready with the transaction details and ask them to reverse it or redirect it to the correct account.

Is there a limit to how much I can transfer from Chase to Fidelity?

Chase may have daily or monthly transfer limits depending on your account type and history. Check your Chase account settings or call Chase to find out your specific limit. Fidelity does not typically limit incoming transfers from external banks, but very large transfers may trigger fraud review.

Do I need to unlink my accounts when I close one?

If you close your Fidelity account, you should remove it from Chase's transfer list to avoid confusion. Go to your external accounts in Chase and delete the Fidelity account. If you close your Chase account, contact Fidelity and ask them to remove Chase as a linked bank on their end. This prevents accidental transfer attempts to a closed account.