{"account":{"slug":"fidelity-cash-management-account","bank":"Fidelity","name":"Cash Management Account"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.fidelity.com/investing/cash-management","history":[{"date":"2026-09-07","apy":"Prior editorial estimate: about 2.7% sweep APY or about 3.3% SPAXX seven-day yield","monthlyFee":"$0","minimumOpen":"None","note":"Legacy snapshot without attached primary evidence. These estimates are preserved as history, not current rates."},{"date":"2026-10-23","apy":"SPAXX 3.52% seven-day yield as of October 22; sweep has a separate variable APY","monthlyFee":"$0","minimumOpen":"None","note":"Source-checked fund quote is not a bank APY. Current FAQ states up to $4 million sweep coverage, subject to limits.","sourceUrl":"https://www.fidelity.com/investing/cash-management","sourceLabel":"Fidelity CMA product page and dated SPAXX quote"}],"verificationEvents":[{"id":"b468b500-a84d-4d0f-9179-3afff6c4f648","entityType":"bank-account","slug":"fidelity-cash-management-account","checkedAt":"2026-10-23T04:20:22.263Z","recordedAt":"2026-10-23T04:20:22.264Z","sourceUrl":"https://www.fidelity.com/spend-save/atm-debit-card","sourceLabel":"Fidelity ATM card and currency-conversion explanation","outcome":"changed","summary":"Clarifies prior ledger entry: current fetched public Fidelity text confirms eligible ATM reimbursement and warns that merchant/ATM dollar conversion can cost more, but does not enumerate the same exclusion list as Schwab. Narrowed Fidelity copy to those confirmed facts; explicit non-withdrawal/DCC exclusions remain attributed to Schwab only.","changedFields":["atm","sections"],"previousHash":"8c7f7d217a03df3f40c7b394803b1181e37f879680d04e622b944d8a25bc682b","recordHash":"b0554f88497a815df8a28d5843aaeaf46e05e73940685a3b0a46d8cd90d42a6d"},{"id":"0425fd59-ee9b-4542-95aa-6005ee749c31","entityType":"bank-account","slug":"fidelity-cash-management-account","checkedAt":"2026-10-23T04:19:18.042Z","recordedAt":"2026-10-23T04:19:18.043Z","sourceUrl":"https://www.fidelity.com/spend-save/faqs-atm-debit-card","sourceLabel":"Fidelity debit-card fees and ATM exclusions","outcome":"changed","summary":"Corrected obsolete 1% foreign transaction fee claim. Current provider terms state no foreign transaction fee, eligible global ATM reimbursement and excluded conversion/non-withdrawal charges. Matching comparison and five affected guide picks were corrected without refreshing unrelated guide dates.","changedFields":["atm","features","cons","ourTake","faqs"],"previousHash":"5d404837fce9e81182bf549380566988b4c68986201f8262cf2212c6fe0eb09d","recordHash":"8c7f7d217a03df3f40c7b394803b1181e37f879680d04e622b944d8a25bc682b"},{"id":"75368c5c-2693-44c2-bc90-ef4f0362300f","entityType":"bank-account","slug":"fidelity-cash-management-account","checkedAt":"2026-10-23T04:19:17.969Z","recordedAt":"2026-10-23T04:19:17.970Z","sourceUrl":"https://www.fidelity.com/spend-save/faqs-cash-management-account","sourceLabel":"Fidelity CMA core and FDIC sweep FAQs","outcome":"changed","summary":"Confirmed two core choices, up to $4 million sweep coverage subject to limits, other-deposit aggregation and no FDIC coverage for SPAXX or money-market overflow. SIPC does not insure market losses.","changedFields":["fdic","pros","cons","sections"],"previousHash":"ded6ac45e3a2828296c297074e53cd43f9fd478c24ef3306c8561faa821a997c","recordHash":"5d404837fce9e81182bf549380566988b4c68986201f8262cf2212c6fe0eb09d"},{"id":"07fc3005-fb25-4784-829e-05ca9fb9a702","entityType":"bank-account","slug":"fidelity-cash-management-account","checkedAt":"2026-10-23T04:19:17.894Z","recordedAt":"2026-10-23T04:19:17.895Z","sourceUrl":"https://www.fidelity.com/investing/cash-management","sourceLabel":"Fidelity CMA product and SPAXX quote","outcome":"changed","summary":"Confirmed 3.52% SPAXX seven-day yield dated October 22, zero maintenance fee and minimum, existing-customer opening requirement and newer-account investment limitations. Fund yield is not published as deposit APY; old estimated sweep APY is historical only.","changedFields":["apy","features","sections","faqs","termHistory","lastVerified"],"previousHash":"e74621843cf98894df373b4888e9d88ea729bb68423c83c9d4ce38d7fe32bdbd","recordHash":"ded6ac45e3a2828296c297074e53cd43f9fd478c24ef3306c8561faa821a997c"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}