Does Fidelity count as direct deposit? Bank by bank (2026)
The #1 workaround pusher; codes payroll-like at most banks. Trending toward failing at Chase in 2026. This id means the CASH MANAGEMENT ACCOUNT push specifically — the account nearly every datapoint in this file was collected from. A push run from the Fidelity BROKERAGE account is keyed separately as fidelity_brokerage.
Type: Brokerage
Confirmed working at 15 banks, mixed at 10, fails at 4.
Bank by bank
Sorted works first, then mixed, then fails. Each bank name links to its review, where you can see the offer's full requirements.
| Bank | Verdict | Reports |
|---|---|---|
| U.S. Bank | Works | — |
| Bank of America | Works | 52 member reports of it working, 17 reports of it failing, last confirmed Jun 2026. |
| Citi | Works | 59 member reports of it working, 9 reports of it failing, last confirmed Mar 2026. |
| Capital One 360 | Works | 25 member reports of it working, 6 reports of it failing, last confirmed Apr 2026. |
| Wells Fargo | Works | — |
| PNC | Works | 110 member reports of it working, 46 reports of it failing, last confirmed May 2026. |
| TD Bank | Works | 8 member reports of it working, 3 reports of it failing, last confirmed Apr 2026. |
| Citizens Bank | Works | 10 member reports of it working, last confirmed Jul 2026. |
| Fifth Third | Works | 15 member reports of it working, 1 report of it failing, last confirmed Jul 2026. |
| KeyBank | Works | 12 member reports of it working, 1 report of it failing, last confirmed Jul 2026. |
| Regions | Works | 3 member reports of it working, last confirmed May 2026. |
| Huntington | Works | 16 member reports of it working, 2 reports of it failing, last confirmed Feb 2026. |
| Flagstar | Works | 10 member reports of it working, last confirmed May 2026. |
| Connexus Credit Union | Works | — |
| Consumers Credit Union (Illinois) | Works | — |
| Chase | Mixed | 38 member reports of it working, 37 reports of it failing, last confirmed Jun 2026. The own-name CMA push is a coin flip in 2026. The third-party setup, where you send to someone else from the CMA, is still clearing. |
| Truist | Mixed | 38 member reports of it working, 12 reports of it failing, last confirmed Jun 2025. |
| M&T Bank | Mixed | 31 member reports of it working, 11 reports of it failing, last confirmed Jul 2026. |
| First Horizon | Mixed | 11 member reports of it working, 3 reports of it failing, last confirmed Jul 2026. |
| BMO | Mixed | 11 member reports of it working, 13 reports of it failing, last confirmed Feb 2026. |
| Discover | Mixed | — Discover wants a payroll-coded ACH of $200 or more. Fidelity is the best candidate and still unconfirmed. |
| American Express Checking | Mixed | — |
| USAA | Mixed | — |
| Navy Federal | Mixed | — |
| PenFed | Mixed | — |
| Santander | Fails | 1 member report of it working, 1 report of it failing, last confirmed Mar 2025. |
| SoFi | Fails | 5 member reports of it working, 13 reports of it failing, last confirmed May 2026. |
| Chime | Fails | 21 member reports of it working, 6 reports of it failing, last confirmed Mar 2026. |
| Varo | Fails | — |
How to set it up
The #1 workaround pusher; codes payroll-like at most banks. Trending toward failing at Chase in 2026. This id means the CASH MANAGEMENT ACCOUNT push specifically — the account nearly every datapoint in this file was collected from. A push run from the Fidelity BROKERAGE account is keyed separately as fidelity_brokerage.
Send at least the offer's stated minimum, a little early in your bonus window. Standard ACH takes 1 to 3 business days to settle, so you want time left over to switch to real payroll if this push does not register as a direct deposit.
See the full per-bank breakdown, including which Fidelity account to send from, in our banks that count Fidelity as a direct deposit guide.