Yes! You can use AI to fill out Fidelity Account Authority
The Fidelity Account Authority form is a legal document that allows a Fidelity account owner to appoint a third-party individual as an authorized agent, granting them specific powers over one or more accounts. This is crucial for situations where an account owner needs assistance managing their investments, allowing the agent to perform actions ranging from viewing account details and trading securities (Limited Authority) to withdrawing funds (Full Authority). Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms for your convenience.
Our AI automatically handles information lookup, data retrieval, formatting, and form filling.
It takes less than a minute to fill out Fidelity Account Authority using our AI form filling.
Securely upload your data. Information is encrypted in transit and deleted immediately after the form is filled out.
Form specifications
| Form name: | Fidelity Account Authority |
| Number of pages: | 6 |
| Language: | English |
Instafill Demo: How to fill out PDF forms in seconds with AI
How to Fill Out Fidelity Account Authority Online for Free in 2026
Are you looking to fill out a FIDELITY ACCOUNT AUTHORITY form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY ACCOUNT AUTHORITY form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY ACCOUNT AUTHORITY form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Fidelity Account Authority form or select it from the template library.
- 2 Enter the account owner's name(s) and the specific Fidelity account numbers to be included in the authorization in Section 1 and 2.
- 3 In Section 3, select the desired level of authority for the agent, choosing between 'Limited Authority' and 'Full Authority' based on the powers you wish to grant.
- 4 Have the designated authorized agent complete Section 5 with their personal information, including name, address, SSN, and employment details.
- 5 The authorized agent must sign and date Section 6, and the account owner(s) must sign and date Section 7.
- 6 If granting 'Full Authority', obtain a Medallion signature guarantee in Section 7 as required, unless an exception applies.
- 7 Review the entire form for accuracy and completeness, then submit it to Fidelity using their digital upload process or by mail as instructed on the form.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
Why Choose Instafill.ai for Your Fillable Fidelity Account Authority Form?
Speed
Complete your Fidelity Account Authority in as little as 37 seconds.
Up-to-Date
Always use the latest 2026 Fidelity Account Authority form version.
Cost-effective
No need to hire expensive lawyers.
Accuracy
Our AI performs 10 compliance checks to ensure your form is error-free.
Security
Your personal information is protected with bank-level encryption.
Frequently Asked Questions About Form Fidelity Account Authority
This form is used to grant a third party, known as an authorized agent, specific powers over your Fidelity account(s). This can range from viewing account details to making trades or even withdrawing funds, depending on the authority level you choose.
Any Fidelity account owner who wants to give another person (who is not a joint owner) the ability to access or manage their account should complete this form. You must fill out a separate form for each person you wish to authorize.
Limited Authority allows an agent to view your account, buy and sell securities, and deposit checks. Full Authority includes all limited powers plus the ability to withdraw cash or transfer assets from your account to pre-authorized destinations.
No, this form cannot be used for workplace retirement plans like a 401(k). It is also not used for adding a paid investment manager; for that, you must contact Fidelity Institutional Wealth Services.
A Medallion signature guarantee is a special stamp used to verify your signature's authenticity and is required when granting Full Authority. You can obtain one from most banks or credit unions, but a standard notary stamp is not acceptable.
The proposed authorized agent must complete Section 5 with their personal details, including name, SSN, date of birth, address, and employment information. They must also sign and date the form in Section 6.
For the fastest processing, scan or take a digital photo of the entire completed form and upload it at Fidelity.com/upload-Account-Authority. If you cannot upload it, visit Fidelity's website for mailing instructions.
This form applies to most accounts, but Full Authority is not available for Annuities, BrokerageLink, Roth IRA for Kids, and UGMA/UTMA accounts. For annuities, you can only grant Limited Authority using this form.
In Section 4, you can choose to keep existing agents, remove all of them, or remove a specific agent. If you make no selection, your existing authorized agents will remain in place by default.
The form requires signatures from the account owner(s) in Section 7 and the new authorized agent in Section 6. For Defined Contribution Retirement Plan Accounts, the Plan Administrator may also need to sign in Section 8.
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields with your saved information. This can save you time and help prevent common errors.
Simply upload the Fidelity Account Authority PDF to the Instafill.ai platform. The AI will make the form fillable, and you can use your saved profile to populate the fields instantly before downloading the completed document.
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai. It can convert the document into an interactive, fillable form, allowing you to type your information directly into the fields.
Compliance Fidelity Account Authority
Validation Checks by Instafill.ai
1
Agent Age Verification
Validates that the 'Date of Birth' provided for the authorized agent in Section 5 indicates they are 18 years of age or older. The form explicitly states the agent 'Cannot be a minor,' and this check is crucial for ensuring the individual has the legal capacity to enter into the agreements outlined. A submission with an underage agent would be rejected for legal and compliance reasons.
2
Full Authority and Medallion Guarantee Dependency
Ensures that if 'Grant FULL Authority' is selected in Section 3, a Medallion signature guarantee is provided in Section 7. This is a critical anti-fraud measure, as Full Authority allows for the removal of assets from an account. If Full Authority is requested without the guarantee, the form processing should either be rejected or, as the form notes, default to granting Limited Authority instead.
3
Full Authority Account Type Eligibility
Verifies that 'Full Authority' is not being requested for ineligible account types as listed in Section 3 (Annuities, BrokerageLink, Roth IRA for Kids, and UGMA/UTMA accounts). This check cross-references the account numbers in Section 2 against their registration types in the system. This prevents the granting of powers that are legally or contractually prohibited for certain types of accounts.
4
Authority Level Selection Exclusivity
Confirms that only one level of authority ('Limited Authority' or 'Full Authority') is selected in Section 3. The form instructs the user to 'Choose only one,' and this validation prevents ambiguity in the level of power being granted. If both or neither are selected, the form should be flagged for correction, though the form states Limited Authority is the default if no choice is made.
5
Foreign Citizen Information Completeness
Checks that if the 'Foreign citizen' box is checked in Section 5, all subsequent fields in that section are completed, including Country of Citizenship, residency status, and all Government ID details. This information is required by federal regulations for identity verification and anti-money laundering (AML) purposes. An incomplete section would result in rejection of the form.
6
Government ID Expiration Check
Validates that the 'ID Expiration Date' provided in Section 5 for a foreign citizen is a date in the future. The form requires an 'unexpired' ID to ensure the identity document is currently valid for verification purposes. Submitting a form with an expired ID would fail the identity verification process and be rejected.
7
Plan Administrator Signature Requirement
Verifies that Section 8 is signed by the Plan Administrator if any account listed in Section 2 is a 'Defined Contribution Retirement Plan Account.' This is a critical control, as these plans have specific rules that require administrator oversight for changes. Failure to obtain this signature on applicable accounts would invalidate the authority request and could lead to non-compliant actions on the plan.
8
Conditional Employment Information
Ensures that based on the employment status selected in Section 5 ('Employed', 'Self-employed', 'Not employed'), the corresponding required fields are filled. For example, if 'Employed' is checked, 'Occupation' and 'Employer' must be provided. This check ensures compliance with industry regulations that require collecting customer employment information.
9
Agent Contact Information Completeness
Validates that both the 'Mobile Phone' and 'Email' fields in Section 5 are filled out for the authorized agent. The form explicitly states these are 'required for account security, transactional alerts, and delivery of other communications.' This check is vital for ensuring Fidelity can securely communicate with the agent and provide necessary alerts.
10
SSN/Taxpayer ID Number Format
Verifies that the 'Social Security/Individual Taxpayer ID Number' in Section 5 is a 9-digit number and conforms to a valid format. This is essential for proper tax reporting and identity verification as required by federal law. An invalid or malformed number would cause the form to be rejected until corrected.
11
Account Number Presence
Ensures that at least one 'Account Number' is provided in Section 2. The entire purpose of the form is to grant authority over specific accounts, so without an account number, the request is incomplete and cannot be processed. The form should be rejected if this section is left blank.
12
Conditional Agent Removal Information
Checks that if the 'Remove only the following authorized agent' box is selected in Section 4, the 'Name' field for that agent is completed. This ensures that the system knows exactly which agent to remove from the account(s). An incomplete request would create ambiguity and could lead to the wrong agent being removed or no action being taken.
13
Mutual Fund Account Signature Logic
Validates that if an account number in Section 2 is identified as a Mutual Fund Account (e.g., starts with '2' followed by two letters), all account owners have signed in Section 7. The form specifies this unique signature requirement for this account type. This check prevents the processing of a legally incomplete authorization for these specific accounts.
14
Signature and Date Presence
Confirms that the signature and date fields are completed by the required parties in Section 6 (Authorized Agent) and Section 7 (Account Owner). A signature legally binds the individual to the terms of the agreement, and the date establishes when the agreement was made. A missing signature or date invalidates the authorization and requires the form to be returned for completion.
Common Mistakes in Completing Fidelity Account Authority
Users often confuse a notary public stamp with a Medallion signature guarantee. The form explicitly requires a Medallion guarantee for granting Full Authority, which is a special signature guarantee for transferring securities, obtained from a financial institution like a bank or credit union. Submitting a notary stamp will cause the request for Full Authority to be rejected, and the form will be processed with Limited Authority by default, delaying the intended level of access.
An applicant selects 'Full Authority' in Section 3 but fails to have the account owner's signature guaranteed with a Medallion stamp in Section 7. This is a critical oversight that leads to the application being downgraded. Per the form's instructions, if the guarantee is missing, Fidelity will automatically process the request as 'Limited Authority,' which does not grant the agent the power to move money, a key feature of Full Authority.
The instructions in Section 7 state that while one owner's signature is typically sufficient, all owners must sign for Mutual Fund accounts. Account owners often overlook this specific requirement for joint mutual fund accounts and provide only one signature. This omission will lead to the form being rejected and returned for the additional required signatures, causing significant processing delays.
Section 5 is explicitly designated to be completed by the authorized agent, not the account owner. Account owners sometimes fill this section out on behalf of the agent, which can lead to inaccurate personal data and signature mismatches. The form must be completed and signed by the agent themselves to certify the accuracy of their information and agree to the terms, and failure to do so can invalidate the request.
In Section 1 (Account Owner) and Section 5 (Authorized Agent), the form requires the full legal name as it appears on a government-issued ID. People frequently use nicknames, initials, or shortened versions of their names out of habit. This discrepancy can cause verification failures and lead to the rejection of the form, as the name must match official records for compliance and security purposes.
When an authorized agent is a foreign citizen, they must check the 'Foreign citizen' box and complete all subsequent fields, including ID number, country of issuance, and expiration date, plus attach a copy of the ID. It is common for applicants to miss one of these required details or forget to attach the ID copy. This incomplete submission will halt the application process until all required documentation and information are provided.
The form's first page clearly states it should not be used for workplace retirement plans like a 401(k). However, users may mistakenly list these account numbers in Section 2. This error will result in authority not being granted for those specific accounts and may cause confusion or require follow-up communication from Fidelity to clarify which accounts are eligible.
The 'Associations' and 'Affiliations' sections on page 4 are often misunderstood or skimmed over. An agent might fail to disclose that their spouse works for a broker-dealer, or that a relative living with them is an officer of a public company, because they don't realize the questions extend beyond themselves. This is a regulatory requirement, and providing inaccurate information, even unintentionally, is a misrepresentation that can have compliance consequences.
The form specifies that certain accounts, such as Annuities, BrokerageLink, and UGMA/UTMA accounts, are not eligible for Full Authority. Applicants may not notice these exceptions and select 'Full Authority' for an ineligible account type. This will result in the request being processed only for the maximum allowable level, which is Limited Authority, failing to meet the applicant's original intent.
Section 5 notes that the agent's mobile phone number and email are required for security and communication purposes. Applicants sometimes leave these fields blank, viewing them as optional. This omission will delay processing, as Fidelity requires this information to set up account access and send transactional alerts, and will need to contact the applicant to obtain it. AI-powered tools like Instafill.ai can help prevent this by flagging mandatory fields before submission.
The form has three distinct signature sections: Section 6 for the Authorized Agent, Section 7 for the Account Owner(s), and Section 8 for a Plan Administrator. A common error is for the account owner to sign in the agent's block (Section 6) or vice-versa, or for someone to sign the Plan Administrator section unnecessarily. Such signature errors will immediately invalidate the form and require a corrected version to be submitted, starting the process over. Since this form is a non-fillable PDF, a tool like Instafill.ai could convert it to a fillable version with clear labels to help guide users to the correct signature fields.
Saved over 80 hours a year
“I was never sure if my IRS forms like W-9 were filled correctly. Now, I can complete the forms accurately without any external help.”
Kevin Martin Green
Your data stays secure with advanced protection from Instafill and our subprocessors
Robust compliance program
Transparent business model
You’re not the product. You always know where your data is and what it is processed for.
ISO 27001, HIPAA, and GDPR
Our subprocesses adhere to multiple compliance standards, including but not limited to ISO 27001, HIPAA, and GDPR.
Security & privacy by design
We consider security and privacy from the initial design phase of any new service or functionality. It’s not an afterthought, it’s built-in, including support for two-factor authentication (2FA) to further protect your account.
Fill out Fidelity Account Authority with Instafill.ai
Worried about filling PDFs wrong? Instafill securely fills fidelity-account-authority forms, ensuring each field is accurate.
