ACH
Accendra Health, Inc.
stock NYSE

It's for your account only. "Normal" limit is $500k without doing anything special, if account is used for over 3 months.
Something has triggered the algorithm. Maybe they still consider account as new for some reason. Maybe failed check deposit or ACH pull somewhere, not necessary at Fidelity, maybe something else. They use Early Warning Services (or whatever competitor) like any bank to monitor your transactions for negative information. And are quite aggressive as scammers like Fidelity 😢.
You can call but don't have high hopes.

ACH

\>  I would expect this to be more disseminated.
this is already known - when you do ACH pull into your regular taxable brokerage account \[ again even with margin switched off completely \] - usually you have investment already and they act as collateral ... it is just most of folks are stuck with paradigm that CMA \[ brokerage account \] is where you need deposited money to be withdrawn from ( to pay bills for example ) soon and non CMA brokerage is where you need deposited money to be invested in it ( not withdrawn pronto )

IMO, "cash available to withdraw" is the key. Checks being deposited or funds bring pulled into the account (ACH transfers you initiate from Fidelity to pull funds into the acct) may show up as mmmf shares but will not show up as "cash available to withdrawn" until the funds are available to be withdrawn. Funds pushed from a bank into Fidelity become "cash available to withdraw' as soon as the ACH deposit is posted.

set up virtual account with your bank and then use ACH much safer.

u/FidelityJelise ,
Thank you for your response.
Maybe I have got this wrong, but to me, probably the most important thing would be to allow the client to control how ACH "direct debit" transactions are handled.
In one case, I want to use our CMA account as a bank checking account replacement. In that role, it is absolutely critical that ACH direct debit transactions (from my utilities, credit card companies, HOA, insurance companies, garbage pickup, and so many other billers) be allowed and processed. Many charges are monthly, but some are quarterly, or annually. We tell them to come get the money on the due date. The responsibility for the proper timing is on them. I am old and forgetful so I like that. :-) If ACH direct debits were not allowed, it would be a huge pain to handle all those payments manually. As near as I can tell, Fidelity doesn't really do anything to validate the identity of the company or individual on the other end. That is not really Fidelity's role. I am OK with that....
On the other side are my high dollar brokerage and retirement accounts. They all have an ABA routing number and bank-like account numbers (just like the CMA account) that can be used for exactly the same ACH direct debit transfers as above. From Fidelity's perspective, I believe it would be exactly the same loosely validated setup process as above. UMBs ABA routing number is well known. It seems like a crook only needs to have my ABA-like account number and the name on the account in order to "setup" the path that would be uses for a ACH direct debit request to remove money from these big-buck accounts as well.
For all BUT my CMA/Checkbook, I would NOT want ACH direct debits to be honored. They would represent crooks attempting to get at my big money accounts. I understand that is not what everybody would want. To do it the best way possible, it seems like that is something that should be in the clients hands to control.
For a company setting up ACH direct debit from my account, I never tell you (Fidelity) they are coming or that I am authorizing the direct debit. You (Fidelity) never ask. I accept the responsibility that it is on me to keep my ABA account number secured. Is there something I am not recognizing about the depth of which Fidelity validates ACH direct debit (aka ACH pulls) before they are allowed or processed? Is there something about your process that should cause me to feel more secure? If so, please share the details of any validation that you employ.
Assuming my transfer setup can be restricted to arrangements authorized over an MFA/2FA authenticated point to point encrypted session, they do not seem to carry the same lever of as inbound request arriving as ACH direct debits.
Granted, I probably "think I know" more than is real and what "I think I know" may be wrong. Can you or someone else advise how Fidelity provides real protection here?

ACH/echeck is easy and safe. They usually use Plaid or Stripes to complete the transaction.

ACH is the way.

I use ACH

Based upon numerous recent exchanges on this forum regarding MTL, I would ask that Fidelity consider the following enhancements to the feature:
0) Generally, continue to allow debit card transactions (if card is enabled), as well as checks and Fidelity BillPay transactions to be processed even when MTL is enabled. Same with Cash Manager Overdraft and Minimum Balance transfers as well as all various fixed periodic transfers previously arranged and configured within Fidelity. MTL blocks the creation of NEW arrangements while it is enabled. It doesn't prevent the operation of previously enabled periodic transfers from the account.
1) For each individual account, allow the client to specific which types of debit transactions should be blocked on the specific account:
a) Block all ACATS / Wire transfers: Y/N?
b) Block all ACH Pull transactions originating from external FIs (aka ACH direct debits): Y/N? Currently, these are always enabled even when MTL is turned on.
c) Block all transfers from this account to other Fidelity accounts visible to the client: Y/N?... if not blocked, then allow these transfers to be setup or executed even though MTL is enabled.
d) Maybe someone only wants MTL to block a) and b) above (over which they have no direct control). That would imply allowing me, as the authenticated client, to establish any one off or repeating outbound transfers that I would desire while I am while I am logged in and authenticated.
2) For each account, allow the client to establish a max $ amount that should be accepted on a direct debit.

3)Continue to require that the client authenticate via MFA/2FA procedures before being allowed to modify any MTL settings. If the authentication was done when the session was established, continue to allow that to be sufficient. IMO, increasing the difficulty of the process with reduce its acceptance and use.
4) Others have asked for an automatic reinstatement of MTL of x minutes if it has been temporarily disabled.
This may be overly broad or not feasible. IMO, probably the most critical would be being able to personally configure the behavior of 1b.

At this point I should be sponsored by Fidelity
**Pros**:
Fidelity is pretty awesome as a [one stop shop](https://www.bogleheads.org/wiki/Fidelity:_one_stop_shop)
They have excellent 24 hr. customer service. They have a strong social media presence that actually answers questions. r/fidelityinvestments is staffed by actual Fidelity employees who provide customer support.
The app is good. A little buggy but they release regular updates. It’s not a good as Robin Hood but you shouldn’t need the app that much anyways. We are Bogleheads, not day traders. Website is very good.
The Cash Management Account is great as combo high yield savings/checking/BillPay account with free checks and a debit card. All ATM fees are refunded . The auto liquidation feature allows you to use a treasury money market (FDLXX) as a defacto core position (no state tax). You can also buy CDs with a CMA.
They allow auto buys of fractional ETFs.
They offer excellent 529s, HSAs, DAFs etc.
Fidelity Crypto allows direct custody and transfers of crypto.
Good fixed income tools including Auto Roll for Treasuries and CDs (automated rolling bond ladders)
Fidelity credit card is unlimited 2% if deposited into core position with free TSA pre-check and some other decent perks
Local branches
Fee free mutual funds. (FZROX, FZIPX, FNILX, FZILX)
**Cons**:
They put very long holds (10 business days/2 weeks) when you pull funds from another bank. If you push funds into Fidelity, it’s availible immediately.
No Zelle
No Plaid for linking ACH

Regarding OP's #3: currently, ACH PULLS (where a bank, utility, CC etc. pulls money from your Fidelity acct) are NOT blocked or affected when you enable MTL on the acct. Fidelity refers to these as direct debits.

It’s a little more complex than push vs pull. I think pushed wires are faster than pushed EFT or ACH for instance.

I’ve been very happy with Schwab investor checking due its integration with the brokerage. It’s technically a separate business but it’s well integrated. I have my employer ESPP (where the custodian is elected by my ER), rental income, and rental expenses all one app. The bill pay, ACH, and ATM fee reimbursements are all right there. ACH coming into Schwab is slow, 4 full days. I’m avoiding that most of the time since the ESPP sale sometimes leads to a transfer out.
I take your point. Cross selling gets weird. I think Schwab really is just a brokerage that offers individual checking (I’m sorry … “investor checking”) as a convenient service. It’s a “neobank” since they have a partnership with Chase Bank for their charter and associated RTN. Presumably, Chase isn’t going to support a direct competitor. Schwab Bank isn’t like a retail bank that wants to sell every deposit product and then refer me to an insurance broker. It makes a big difference vs many other banks.

It's for your account only. "Normal" limit is $500k without doing anything special, if account is used for over 3 months.
Something has triggered the algorithm. Maybe they still consider account as new for some reason. Maybe failed check deposit or ACH pull somewhere, not necessary at Fidelity, maybe something else. They use Early Warning Services (or whatever competitor) like any bank to monitor your transactions for negative information. And are quite aggressive as scammers like Fidelity 😢.
You can call but don't have high hopes.

ACH

\>  I would expect this to be more disseminated.
this is already known - when you do ACH pull into your regular taxable brokerage account \[ again even with margin switched off completely \] - usually you have investment already and they act as collateral ... it is just most of folks are stuck with paradigm that CMA \[ brokerage account \] is where you need deposited money to be withdrawn from ( to pay bills for example ) soon and non CMA brokerage is where you need deposited money to be invested in it ( not withdrawn pronto )

IMO, "cash available to withdraw" is the key. Checks being deposited or funds bring pulled into the account (ACH transfers you initiate from Fidelity to pull funds into the acct) may show up as mmmf shares but will not show up as "cash available to withdrawn" until the funds are available to be withdrawn. Funds pushed from a bank into Fidelity become "cash available to withdraw' as soon as the ACH deposit is posted.

set up virtual account with your bank and then use ACH much safer.

u/FidelityJelise ,
Thank you for your response.
Maybe I have got this wrong, but to me, probably the most important thing would be to allow the client to control how ACH "direct debit" transactions are handled.
In one case, I want to use our CMA account as a bank checking account replacement. In that role, it is absolutely critical that ACH direct debit transactions (from my utilities, credit card companies, HOA, insurance companies, garbage pickup, and so many other billers) be allowed and processed. Many charges are monthly, but some are quarterly, or annually. We tell them to come get the money on the due date. The responsibility for the proper timing is on them. I am old and forgetful so I like that. :-) If ACH direct debits were not allowed, it would be a huge pain to handle all those payments manually. As near as I can tell, Fidelity doesn't really do anything to validate the identity of the company or individual on the other end. That is not really Fidelity's role. I am OK with that....
On the other side are my high dollar brokerage and retirement accounts. They all have an ABA routing number and bank-like account numbers (just like the CMA account) that can be used for exactly the same ACH direct debit transfers as above. From Fidelity's perspective, I believe it would be exactly the same loosely validated setup process as above. UMBs ABA routing number is well known. It seems like a crook only needs to have my ABA-like account number and the name on the account in order to "setup" the path that would be uses for a ACH direct debit request to remove money from these big-buck accounts as well.
For all BUT my CMA/Checkbook, I would NOT want ACH direct debits to be honored. They would represent crooks attempting to get at my big money accounts. I understand that is not what everybody would want. To do it the best way possible, it seems like that is something that should be in the clients hands to control.
For a company setting up ACH direct debit from my account, I never tell you (Fidelity) they are coming or that I am authorizing the direct debit. You (Fidelity) never ask. I accept the responsibility that it is on me to keep my ABA account number secured. Is there something I am not recognizing about the depth of which Fidelity validates ACH direct debit (aka ACH pulls) before they are allowed or processed? Is there something about your process that should cause me to feel more secure? If so, please share the details of any validation that you employ.
Assuming my transfer setup can be restricted to arrangements authorized over an MFA/2FA authenticated point to point encrypted session, they do not seem to carry the same lever of as inbound request arriving as ACH direct debits.
Granted, I probably "think I know" more than is real and what "I think I know" may be wrong. Can you or someone else advise how Fidelity provides real protection here?