{"id":7258,"date":"2025-11-29T13:43:23","date_gmt":"2025-11-29T21:43:23","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlife\/?p=7258"},"modified":"2025-11-29T13:43:23","modified_gmt":"2025-11-29T21:43:23","slug":"fidelity-cma-cash-management-account","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlife\/fidelity-cma-cash-management-account.html","title":{"rendered":"Fidelity CMA (Cash Management Account)"},"content":{"rendered":"<p><em>I&#8217;ve been having brokerage accounts with Fidelity. Fidelity has an account called CMA (Cash Management Account) that can do everything like a normal bank but the money is put in a money market called SPAXX that pays dividend 3.6% but pay monthly and compound it. It also let you to trade the stock market. The only thing it doesn&#8217;t provide is physical checks to write. These days I pay everything online, so this won&#8217;t be a problem for me. Here&#8217;s what the CMA can do that I know of since I&#8217;ve had one opened this year.<\/em><\/p>\n<ul>\n<li><em>SPAXX pays this month .003% for the cash I have in it.<\/em><\/li>\n<li><em>It refunded $4.99 ATM charge from an ATM in the casino I went to.<\/em><\/li>\n<li><em>I can set up to pay all the bills online.<\/em><\/li>\n<li><em>I do have a debit card to withdraw money from any ATM in CA or charge for any purchase (but I don&#8217;t use it for paying purchases).<\/em><\/li>\n<li><em>There&#8217;s NO minimum balance requirement for being charged monthly service fee.<\/em><\/li>\n<li><em>I can buy and sell stocks and ETF, even the leveraged ETF too.<\/em><\/li>\n<\/ul>\n<p><em>I&#8217;m very happy with CMA and going to transfer all my normal bank accounts to it.<\/em><\/p>\n<link href=\"\/idogjs\/icss\/font-awesome\/css\/ifotorama.css\" rel=\"stylesheet\"><script src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/1.11.3\/jquery.min.js\"><\/script><script src=\"\/idogjs\/ijs\/ifotorama.js\"><\/script>\n<div class='fotorama--wp' data-ids='7259,7260,7261,7262,7263,7264,7265,7266,7267,7268,7269,7270,7271,7272,7273,7274'data-allowfullscreen='yes'data-link='file'data-itemtag='dl'data-icontag='dt'data-captiontag='dd'data-columns='0'data-size='large'data-width='600'data-auto='false'data-max-width='100%'data-ratio='1.7142857142857'><div id='gallery-1' class='gallery galleryid-7258 gallery-columns-0 gallery-size-thumbnail'><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Alert_1.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Alert_1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Alert_1-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA Alert\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_alert.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_alert.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_alert-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA Alert\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_cash_manager.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_cash_manager.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_cash_manager-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_debit.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_debit.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_debit-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA Debit\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_routing.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_routing.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_routing-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA Routing\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_setup_min_transfer.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_setup_min_transfer.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_setup_min_transfer-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA transfer\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_SPAXX.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_SPAXX.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_SPAXX-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA SPAXX\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Tranferring.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Tranferring.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Tranferring-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA transfer\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Transferring_confirmation.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Transferring_confirmation.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA_Transferring_confirmation-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA transfer\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_CMA-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_SPAXX_CMA1.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_SPAXX_CMA1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_SPAXX_CMA1-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA SPAXX\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_transfer_cma.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_transfer_cma.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_transfer_cma-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA transfer\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_transfer_money.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_transfer_money.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_transfer_money-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA transfer\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_atm_rebate.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_atm_rebate.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_atm_rebate-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA ATM rebate\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_dividend.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_dividend.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_dividend-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA dividend\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_pay.jpg' data-full='https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_pay.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlife\/wp-content\/uploads\/z_cma_pay-200x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Fidelity CMA Pay\" \/><\/a>\n\t\t\t<\/dt><\/dl>\n\t\t<\/div>\n<\/div>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>I&#8217;ve been having brokerage accounts with Fidelity. Fidelity has an account called CMA (Cash Management Account) that can do everything like a normal bank but the money is put in a money market called SPAXX that pays dividend 3.6% but pay monthly and compound it. It also let you to trade the stock market. The <a href=\"https:\/\/www.dognmonkey.com\/svlife\/fidelity-cma-cash-management-account.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":7273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,4,5],"tags":[1365,1364,1275,1253,1362,1363,1361,1366],"class_list":["post-7258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-being-frugal","category-finance","category-investing","tag-atm","tag-cma","tag-dividend","tag-etf","tag-fdrxx","tag-fgrxx","tag-spaxx","tag-stocks"],"views":39,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/posts\/7258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/comments?post=7258"}],"version-history":[{"count":3,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/posts\/7258\/revisions"}],"predecessor-version":[{"id":7277,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/posts\/7258\/revisions\/7277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/media\/7273"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/media?parent=7258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/categories?post=7258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlife\/wp-json\/wp\/v2\/tags?post=7258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}