| Balance | Description | Update Frequency |
| Cash Available to Trade | The amount available to purchase securities in a Cash account without adding money to the account. Executed Buy orders will reduce this value (at the time the order is placed), and executed Sell orders will increase this value (at the time the order executes). | Intraday |
| Cash (Core) | Account settlement position for trade activity and money movement, including core and other eligible additional Fidelity money markets. Executed Buy orders and cash withdrawals will reduce the Core, and executed Sell orders and cash deposits will increase the Core. | Overnight |
| Cash Credit/Cash Debit | A Cash Credit (positive value) reflects a credit from unsettled trades or deposits that has not yet swept into the core account. In certain circ*mstances, cash credits may not be swept to your core account. When that occurs, the cash credit balance will reflect both amounts credited to the account from unsettled activity as well as un-swept settled cash balances. A Cash Debit (negative value) is an amount that will be debited from the account at settlement. | Intraday |
| Uncollected Deposit | Recent deposits that have not gone through the bank collection process and are unavailable for online trading. The normal check and electronic funds transfer (EFT) collection period is 4 business days. | Overnight |
| Committed to Open Orders | The dollar amount allocated to pending orders that have not yet been executed (e.g., Buy orders). The amount you have Committed to Open Orders decreases your Cash Available to Trade. | Intraday |
| Settled Cash | The portion of your Cash (Core) balance that represents the amount of securities you can Buy and Sell in a Cash Account without creating a Good Faith Violation. This amount includes proceeds from transactions settling today MINUS unsettled buy transactions, short equity proceeds settling today and the intraday exercisable value of option positions. Additionally, uncollected deposits may not be reflected in this balance until the deposit has gone through the bank collection process which is usually 4 business days. | Intraday |
Real-Time, Intraday, and Overnight
- Real-time: Balances updated Real-time display values that change with market price fluctuations on the underlying securities in your account. Essentially, it is a complete recalculation based on price fluctuations of positions, trade executions, and money movement into or out of the account.
- Intraday: Balances updated Intraday reflect trade executions and money movement into and out of the account during the day.
- Overnight: Balances updated Overnight display values after a nightly update of the account. In some cases, certain balance fields can only be updated overnight due to regulatory restrictions.
Additional Details
For more detailed information about your account balances, you can expand the balances table by clicking Show All or you can expand an individual section by clicking the "+" sign to the left of any section name , or just clicking the name of the section. When the table is expanded for a detailed view of individual balance fields, the "+" sign becomes a "-" sign that you can click to collapse the table and return to the summary view. If all the sections of the balances table have been expanded (because you either clicked Show All or expanded each section individually), you can collapse the table and return to the summary view by clicking either Hide All or the "-" sign to its left.
Positive/Negative and Credit/Debit
- Positive/Negative: All values in the Current column are reflected as positive values unless the calculation for a specific balance field results in a negative number or money is due to meet certain requirements. In this case, the number will be reflected with a minus sign "-" in front of it.
- Credit/Debit: Certain field names will change depending on whether the value is positive (Credit) or negative (Debit). Whether the balance field indicates Credit or Debit, the amount is always represented as a positive value. For example, if you have money due to you from the execution of trades in your Margin account, the amount owed to you is displayed as a Margin Credit. If instead, you owe money from the execution of trades in your Margin account, the amount you owe is displayed as a Margin Debit. Both values display as positive numbers, and the field name (in this example, Margin Credit or Margin Debit) reflects whether the value is a credit or debit to your account.
FAQs
Cash Available to Trade. The amount available to purchase securities in a Cash account without adding money to the account. Executed Buy orders will reduce this value (at the time the order is placed), and executed Sell orders will increase this value (at the time the order executes).
How long does it take for cash available to trade to settle? ›
Known officially as T+1 (trading day plus one business day), this transition will put trade settlement for stocks, bonds, and related assets on the same one-day timetable.
How to withdraw cash available to trade Fidelity? ›
To initiate an online cash withdrawal, simply log in to your Fidelity account and go to the 'Transfer' tab. From there, select 'Withdraw Money' and choose the amount and account for the funds to be deposited into. Confirm the transaction, and you're all set!
What does "available to trade" mean on Fidelity? ›
Available to Trade
The maximum dollar amount available, including both cash and margin, to purchase marginable securities without adding money to your account. The balance includes open order commitments, intraday trade executions, and money movement into and out of the account.
Can I buy stocks with cash available to trade? ›
Cash available to trade is the amount of money that is readily available in your account that you can use to purchase securities. This cash in your account can be used immediately to make purchases. As an investor, you can refer to the settlement date when trading to avoid cash account violations.
Why do I have cash to trade but not withdraw? ›
Only settled funds may be withdrawn
If you just closed a trade and see a $0.00 Available to Withdraw, then chances are your position has not settled yet. Depending on what you are trading, settlement times can vary.
What is the difference between available to trade and available to withdraw? ›
Available to trade reflects only settled deposits in your account as well as the credits and debits from pending trades or withdrawals. So it might be less than Effective, for example, when you are waiting for a check to clear. Available to withdraw reflects all settled trades and deposits, minus pending withdrawals.
Do good faith violations go away? ›
If you earn three good faith violations in a 12 month period, your brokerage firm will restrict the cash account for 90 days. It means you will only be able to purchase stocks if you have fully settled cash in the account before placing a trade.
What happens if I trade with unsettled cash? ›
If you bought it using settled cash, you can sell it at any time. But if you buy a stock with unsettled funds, selling it before the funds used to purchase have settled is a violation of Regulation T (aka a good faith violation). If you commit a violation, you'll be penalized with a 90-day restriction on your account.
Why isn t all of my cash available to trade Fidelity? ›
The amount you have committed to open orders decreases your cash available to trade. The portion of your cash (core) balance that represents the amount of securities you can buy and sell in a cash account without creating a good faith violation.
However, the money is not generally available for withdrawal for 4 to 6 business days. Generally, 7-10 business days after establishing Electronic Funds Transfer on your account, you can begin to withdraw money from, as well as deposit to, your Fidelity account using Fidelity.com.
Do I have to wait for cash to settle on Fidelity? ›
When you sell a security, Fidelity will credit your account for the sale on the settlement date. For options and other securities settling in one day, you must have sufficient cash or margin equity in your account when your order is placed.
Are funds immediately available to trade on Fidelity? ›
EFTs in and out of Fidelity accounts are generally received within 1-3 business days, though the funds may be immediately available for trading. Electronic funds transfers (EFTs) are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays.
How long does it take to process a trade on Fidelity? ›
After a trade is placed you will own the stock, exchange-traded fund, or option in 1 business day, depending on the security traded.
How long does it take for cash to settle? ›
Currently, settlement date occurs two business days after trade date, but recent rule amendments from the Securities and Exchange Commission (SEC) and conforming FINRA rule changes will soon make that cycle one day shorter.
What is the meaning of cash in trade? ›
Cash trading is simply the buying and selling of securities using cash on hand rather than borrowed capital or margin. Most brokers offer cash trading accounts as a default account option. Since there's no margin provided, these accounts are much simpler to open and maintain than margin accounts.
What does available funds for trading mean? ›
Your Available Funds tells you if you can put on a trade. Your Excess Liquidity tells you whether you have sufficient cushion to maintain your current positions, your Buying Power tells you how much you have at your disposal including your equity and 's margin.
How long does it take for cash to be available in Etrade? ›
Transfer Money transactions made between existing accounts will be processed immediately. Funds deposited to accounts via Transfer Money from external accounts will be available for investment or withdrawal on the third business day after the date of deposit if transferred by 4 p.m. ET.
