CMA
Comerica Incorporated
stock NYSE

I’m traveling in France right now. I entered travel notices a couple of months prior. My visa rewards card has worked without issue at all kinds of restaurants, stores, gas station, etc. I used my CMA debit card at an ATM in Paris to get euros in cash without any problems. I used the visa rewards card in Paris, Djion, Beaune, Flavigny (sp?), nuits saint georges with no problems. And I’ve even been getting the 2% rewards with usage here. The experience has been absolutely painless and even easy. Plus I’ve had zero problems logging into Fidelity to check on things, which I can’t say about logging into a lot of other sites I’m accustomed to at home in the US.

The small cap did have me wondering a bit. I went with it last month because I had to set something up, so it's not far into the process and little harm will be done in the long run. With context, I agree it is a bit much. I was originally going to do 50% S&P500, 30% international, and 20% small cap, then talked myself out of it because I thought I needed a mid cap or something to that effect.
When you say VT are you just meaning anything in that realm, or the ticker VT specifically? I don't see myself leaving the Fidelity platform as it has served me well for my CMA and it's super easy to use. So maybe I shouldn't worry about that so much.

CMA (well, Youth Account, which is functionally identical) with SPAXX as core and dumping 60/40 into FZROX/FZILX is *exactly* what I set up for my 14 year old when she turned 13 and got Bat Mitzvah gifts she didn't know what to do with (I use the same 60/40 split in her Roth IRA, but I leave nothing as cash there). I do almost the same for myself, though I use VT in the taxable accounts to avoid possible capital gains distributions.

Unsolicited: 14 credit cards? That's kind of a lot, even for r/creditcards.
Solicited: I would just have the rewards deposit into a CMA with SPAXX as the core position. Then open a Roth IRA and max it out each year. Invest the funds in FZROX/FZILX 60/40.

https://preview.redd.it/bvrf7zr45rnh1.png?width=1537&format=png&auto=webp&s=15912974f352529f435accab2001d9023aaa2249
I'm trying to create a scanner for my swing trade setup.
Any stock which passes the below conditions should come in the output on daily scan.
1. 1D(today) Volume of the share should be 1.25x of 21D average volume.
2. 1D delivery volume should be more than 21Days average volume.
3. MFI should be 30 to 60
4. ADX should be 10 to 25
5. The price should be within 20% of 200 EMA and 10% of 50 EMA.
6. CMA should be more than 0.
7. Price should be above 200 EMA.
I tried doing it as in screenshot, But i'm having issues with the delivery volume calculation.

Great question!
If you sign up for Cash Manager overdraft protection and you create a debit in your Fidelity Cash Management Account (CMA), available funds from your funding accounts will automatically be moved to your CMA to cover the debit. Available funds include cash (core), available margin, and non-core money market funds. These sources will be drawn from the first funding account in this order before the next account is tapped.
You can read more about this at the following link.
[Spend & Save FAQs: Cash Management Account](https://www.fidelity.com/spend-save/faqs-cash-management-account)
Have a fantastic weekend!

We appreciate you being a long-term Fidelity customer and letting us assist with your business and brokerage needs!
To start, you're correct that we currently do not offer a Fidelity Cash Management Account (CMA) for businesses. With that said, while brokerage and CMA accounts offer different features, the way they handle cash credits and debits is very much the same regarding auto-liquidation.
To provide a bit of clarity, Fidelity attempts to cover debit balances generated by trades, direct debits, checkwriting, etc., by first using funds from your core cash position. If the core has insufficient funds to cover a transaction, the system will then draw from any taxable money markets, then from tax-free money markets. The system draws from the fund with the highest balance within each category first.
Keep in mind that while auto-liquidation may occur, it is still best practice to sell non-core money markets before making expected purchases that would exceed your core balance.
[You can learn more about your account and about your core position here.](https://www.fidelity.com/trading/faqs-about-account)
Please don't hesitate to reach out if you have any follow-up questions.👋

There is something an informed investor would know…..
The interest earned by the Fidelity CMA will have a portion of it that is exempt from state income tax. Your Marcus earned interest will have ALL of it subject to state income tax. Also…..at tax time, with Fidelity you will have just ONE set of paperwork to deal with…….how much is making your life simpler mean to you?…

Is that still the case for you? Our Fidelity CMA will only appear as an “asset” not a checking / cash account. Support said it is working as intended, as they don’t support CMA data format.

You need an emergency fund in a HYSA or a CMA account and put it in SPAXX. You need a 20 year term life insurance policy ASAP. Invest the rest in a broad market index fund.

What's up guys, long term personal fidelity cma/brokerage and business brokerage user. I don't think there's a CMA for business (correct me if im wrong) so I just use the business brokerage. I was just wondering if business brokerage accounts will auto-liquidate fidleity mm funds (such as FDLXX) like my personal CMA would? Couldn't find much online about the business broekrage accounts. Thanks.

A Fidelity CMA account can have a debit card that can be used without fees at any ATM. And your cash earns 3.3% while not invested, just leaving it in the default SPAXX.

Can I have margin in my CMA?

Google Pay works fine with the Rewards Visa, but I don’t have the CMA debit card; it should work though.

SPAXX is SPAXX….wherever the account is held it earns the same. I believe that a CMA is the single most important account you can hold with Fidelity. It is an account that overs so many features that you can not in good conscience ignore it. The CMA IS a brokerage account….it is created for those looking for a simple introduction to saving and investing.

trade in CMA

The operational overhead of buying new bills every month in a Fidelity CMA isn't worth it for an emergency fund. SGOV is fine, leave it.

Currently, I have my emergency funds in SGOV. Now with the interest rates going up, thinking about switching to Tbill ladder. As of today, SGOV yield is 3.63% compared to one month Tbill
3.76% and two months and three months even higher for Tbills. I do have another 25K emergency fund in the CMA account Fidelity (VBil).
Does it make sense to switch to Tbill ladder just to squeeze out some extra premium? I’m OK locking in the funds for three months at a time.

You never mentioned time horizon. I saved for 20 years before I bought my house. Mainly because I was picky.
I opened a taxable brokerage and cash management account (CMA) in addition to my 401K.
The taxable brokerage account was for investing. The CMA was to act as my checking account. You get free checks and bill pay.
Start budgeting to figure out your down payment and closing costs. And budget for insurance, property taxes, utilities, moving costs, and furnishings.
It takes planning.

Samsung Pay wallet CMA DEBIT