Yes! You can use AI to fill out Fidelity Bank Wire Authorization Form
The Fidelity Bank Wire Authorization form is an official document used to set up standing bank wire transfer instructions on eligible Fidelity accounts, enabling urgent fund transfers from Fidelity to the account holder's own or a third party's bank or financial institution. It is important because it establishes a secure, pre-authorized wire transfer pathway, subject to daily transaction limits and Medallion signature guarantee requirements. Transactions initiated through IRA accounts will be treated as distributions and reported to the IRS, making accurate completion of this form critical. 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.
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Form specifications
| Form name: | Fidelity Bank Wire Authorization Form |
| Number of pages: | 1 |
| Filled form examples: | Form Bank Wire Authorization Examples |
| Language: | English |
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How to Fill Out Bank Wire Authorization Online for Free in 2026
Are you looking to fill out a BANK WIRE AUTHORIZATION form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your BANK WIRE AUTHORIZATION form in just 37 seconds or less.
Follow these steps to fill out your BANK WIRE AUTHORIZATION form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Fidelity Bank Wire Authorization form or select it from the available form library to begin filling it out online.
- 2 Enter the account owner's full name and any additional owner or authorized individual's name in Section 1 (Account Owners).
- 3 Provide the Fidelity account number(s) for which you want to establish bank wire instructions in Section 2, ensuring each account is eligible for bank wire.
- 4 Complete Section 3 (Bank Wire Standing Instructions) by entering the wire recipient's bank routing/ABA number, bank name, account number, account owner name(s), and full address, including any correspondent bank or international SWIFT code details if applicable.
- 5 If you are a W-8-certified customer sending funds to a country different from your tax residence country, complete Section 4 with the required explanation (up to 250 characters).
- 6 Review all entered information for accuracy, then print the completed form and obtain a Medallion signature guarantee before signing and dating Section 5.
- 7 Submit the completed and signed form along with any required attachments to Fidelity Investments via regular mail or overnight mail at the addresses provided, or deliver it in person at a Fidelity Investor Center.
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Frequently Asked Questions About Form Bank Wire Authorization
This form is used to establish standing bank wire instructions on your Fidelity account(s), including eligible retirement and nonretirement accounts. It allows you to set up a feature that enables urgent transfers FROM Fidelity to your account or someone else's account at a bank or financial institution. Note that this form is NOT used to request a specific transaction.
Bank wire is not available for Self-Employed 401(k), Workplace Self-Directed Brokerage, Fidelity Retirement Plan (Keogh), Investment-Only Retirement Account (Non-Prototype), and Health Savings Account (HSA). Be sure to verify that each account you list on the form is eligible before submitting.
The minimum daily limit for bank wire transactions is $100, and the maximum daily limit is $100,000. These limits apply to online transactions initiated through the bank wire feature once it is established on your account.
Yes, a Medallion signature guarantee is required for all bank wire requests. A notary seal or stamp is NOT a substitute for a Medallion signature guarantee. You can obtain a Medallion signature guarantee from most banks, credit unions, and other financial institutions. The only exception is if you complete the form in person at a Fidelity Investor Center.
Any transaction initiated from a Fidelity IRA using bank wire instructions will be treated as a distribution and reported to the IRS. This distribution will generally result in taxable income for the year it is distributed, unless it is rolled over to another IRA or qualified employer plan within 60 days. It is your responsibility to ensure the receiving account is qualified to accept rollover amounts.
Generally, only one authorized signature is required. However, if you have a Mutual Fund Account (account number beginning with a '2' followed by two letters), all owners must sign. Each signature must be accompanied by a Medallion signature guarantee.
You will need to provide the bank routing/ABA number, bank name, account number, account owner name(s), and the full address of the wire recipient. For international wires, a full address is required, and if the bank uses a correspondent (intermediary) bank, you must also provide the correspondent bank's routing/ABA number and name.
If the recipient bank is outside the United States, check the box indicating the account is outside the U.S. and provide the SWIFT code and the name of the country. A full address is required for international wires, and the bank may charge additional fees for receiving international wire transfers.
The 'For Further Credit' section is used to provide additional details or instructions to be included with the wire transfer, such as when the wire needs to be credited to a specific sub-account or beneficiary at the receiving institution. This section is optional and only needs to be completed if applicable.
If you are a W-8-certified customer requesting standing instructions to send money to a financial institution in the U.S. or in a country different from the treaty country listed on your W-8 form, you must complete Section 4 by providing a reason (up to 250 characters) explaining the discrepancy.
Send the entire completed form along with any attachments to Fidelity Investments. For regular mail, send to: PO Box 770001, Cincinnati, OH 45277-0002. For overnight mail, send to: 100 Crosby Parkway KC1K, Covington, KY 41015. After processing, you will receive a 'Revised Account Profile' confirming your updates.
Bank wire will become available immediately after the feature is established on your account(s) following Fidelity's processing of your form. If you have questions about processing time, you can contact Fidelity at 800-343-3548 or visit Fidelity.com/transfermoneyshares.
Yes, AI-powered services like Instafill.ai can help you accurately auto-fill the Bank Wire Authorization form, saving you time and reducing the risk of errors. Instafill.ai guides you through each field and ensures all required information is entered correctly before you submit.
To fill out this form online, visit Instafill.ai and upload the Bank Wire Authorization PDF. The AI will walk you through each section—account owner details, Fidelity account numbers, bank wire instructions, and signature fields—making it easy to complete the form accurately. Once done, you can download and print the completed form for submission to Fidelity.
If your version of the Bank Wire Authorization form is a flat, non-fillable PDF, Instafill.ai can convert it into an interactive fillable form so you can type directly into the fields. This eliminates the need to print and handwrite your information, making the process faster and more convenient.
Compliance Bank Wire Authorization
Validation Checks by Instafill.ai
1
Ensures Account Owner Name is Provided and Not Left Blank
The Owner_Name field must be completed with the full legal name of the primary account holder as it appears on the Fidelity account. This field is critical for identity verification and linking the wire authorization to the correct account. If left blank, the form cannot be processed and the bank wire standing instructions cannot be established.
2
Ensures At Least One Valid Fidelity Account Number is Provided
At least one of the three Fidelity Account Number fields must be populated with a valid Fidelity account number. Fidelity account numbers follow a specific format, and the field should be validated against that expected pattern. If no account number is provided, there is no account on which to establish the bank wire feature, making the form unprocessable.
3
Ensures Fidelity Account Numbers Do Not Belong to Ineligible Account Types
Each Fidelity account number provided must correspond to an account type that is eligible for bank wire, excluding Self-Employed 401(k), Workplace Self-Directed Brokerage, Fidelity Retirement Plan (Keogh), Investment-Only Retirement Account (Non-Prototype), and Health Savings Account (HSA). Submitting an ineligible account type will result in the wire feature not being established on that account. The form should flag any account numbers associated with these restricted account types.
4
Ensures Bank Routing/ABA Number is in Valid Format
The DistMethWireRouting Number field must contain a 9-digit numeric ABA routing number, which is the standard format used by U.S. financial institutions. The routing number should also pass the ABA checksum algorithm to confirm it is a legitimately formatted number. An invalid or malformed routing number will cause the wire transfer to fail or be directed to the wrong financial institution, potentially resulting in financial loss.
5
Ensures Bank Name is Provided Alongside the Routing Number
The DistMethWireBank Name field must be completed whenever a Bank Routing/ABA Number is entered, as both fields together identify the receiving financial institution. A missing bank name creates ambiguity in processing and may delay or prevent the wire from being executed. This pairing ensures that the routing number can be cross-referenced against the named institution for accuracy.
6
Ensures Recipient Bank Account Number is Provided
The DistMethWireAccount Number field is required to identify the specific account at the receiving bank to which funds will be wired. Without a destination account number, the wire transfer cannot be directed to the correct recipient. This field should also be validated to ensure it contains only numeric characters and falls within a reasonable length range for bank account numbers.
7
Ensures Wire Recipient Account Owner Name is Provided
The DistMethWireName field, representing the Account Owner Name(s) of the wire recipient, is marked as required on the form and must not be left blank. This name is used by the receiving bank to match the incoming wire to the correct account holder. Omitting this field can result in the receiving institution rejecting or returning the wire transfer.
8
Ensures Full Address is Provided for International Wire Recipients
When the Outside_US checkbox is selected, the address fields (DistMethWireAddress, DistMethWireCity, DistMethWireStateProvince, DistMethWireZipPostal Code, and DistMethWireCountry) must all be fully completed, as a full address is required for international wires per the form's instructions. Incomplete address information for international recipients can cause the wire to be rejected by intermediary or correspondent banks. The country field must also contain a valid country name or code consistent with international standards.
9
Ensures SWIFT Code is Provided When Account is Outside the United States
If the Outside_US checkbox is checked, the DistMethWireRouting CorrSWIFT field must be populated with a valid SWIFT/BIC code, which is required for routing international wire transfers. A SWIFT code must follow the standard format of 8 or 11 alphanumeric characters. Without a valid SWIFT code for international transfers, the wire cannot be routed to the correct foreign financial institution.
10
Ensures Country of Wire Recipient is Provided for International Wires
When the Outside_US checkbox is selected, the DistMethWireRouting Corrcountry field must contain the name of the destination country. This field is essential for compliance, tax reporting, and routing purposes when funds are being sent internationally. Leaving this field blank for an international wire may result in processing delays or regulatory compliance issues.
11
Ensures Correspondent Bank Information is Internally Consistent
If a Correspondent Bank Routing/ABA Number (DistMethWireRouting CorrNumber) is provided, then the Correspondent Bank Name (DistMethWireBank CorrName) must also be provided, and vice versa. Partial correspondent bank information creates ambiguity and may cause the wire to be misrouted through an incorrect intermediary institution. Both fields should either be fully completed together or both left blank if no correspondent bank is involved.
12
Ensures Correspondent Bank Routing Number is in Valid 9-Digit Format
If the DistMethWireRouting CorrNumber field is populated, it must contain a valid 9-digit numeric ABA routing number that passes the standard ABA checksum validation. An invalid correspondent bank routing number will cause the wire to fail at the intermediary routing stage. This validation is especially important for international wires that require a U.S.-based correspondent bank.
13
Ensures Signature Date is in Valid MM/DD/YYYY Format and is Not a Future Date
The DATE field in the Signature and Date section must be completed in the MM/DD/YYYY format as specified on the form, and the date must not be a future date. A missing or incorrectly formatted date will prevent the form from being processed, as the signature and date together constitute the legal authorization. A future date would indicate the authorization has not yet been validly executed and could raise legal or compliance concerns.
14
Ensures Printed Owner Name Matches the Account Owner Name Field
The Print_Owner_Name field in the Signature section should match the Owner_Name field provided in Section 1 to confirm that the person signing the form is the same individual identified as the account owner. A discrepancy between these two fields may indicate an unauthorized party is attempting to establish wire instructions. This consistency check helps prevent fraudulent submissions and protects the account holder.
15
Ensures All Owners Sign for Mutual Fund Accounts Starting with '2' Followed by Two Letters
If any of the provided Fidelity account numbers begin with the digit '2' followed by two letters, indicating a Mutual Fund Account, then both the primary and additional owner signature fields (Print_Owner_Name and 2Print_Owner_Name) must be completed and signed. Failure to obtain all required signatures on a Mutual Fund Account will result in the form being rejected and the wire instructions not being established. This rule ensures that all account co-owners have authorized the standing wire instructions.
16
Ensures W-8 Certified Customer Explanation is Provided When Wire Destination Differs from Tax Residence Country
If the account holder is a W-8 certified customer and the wire destination country differs from the treaty country listed on their W-8 form, the 2W8CertCustomer field must be completed with a valid explanation of up to 250 characters. This explanation is required for regulatory and tax compliance purposes to justify the cross-border wire instruction. Leaving this field blank when applicable may result in the form being flagged for non-compliance or returned for additional information.
Common Mistakes in Completing Bank Wire Authorization
Many people confuse this form's purpose and attempt to use it to initiate a one-time wire transfer rather than to establish standing (recurring) bank wire instructions. This results in the form being rejected or delayed, as it is solely for setting up the bank wire feature on an account. Always read the form instructions carefully — this form only establishes the standing instructions, and actual transactions must be initiated separately through Fidelity's normal channels.
People frequently enter the wrong 9-digit ABA routing number, confusing it with their account number or entering a routing number used for ACH transfers rather than wire transfers, which are often different. An incorrect routing number will cause the wire to fail or be sent to the wrong institution, potentially resulting in financial loss and delays. Always verify the wire-specific routing number directly with your bank, as it may differ from the routing number printed on your checks. Tools like Instafill.ai can help validate routing number formats automatically.
A very common and critical mistake is submitting the form without a Medallion signature guarantee, or substituting a notary seal/stamp, which is explicitly not accepted. The form will not be processed without a valid Medallion signature guarantee, causing significant delays. Obtain a Medallion signature guarantee from a bank, credit union, or other eligible financial institution before submitting — or complete the form in person at a Fidelity Investor Center where the requirement is waived.
People often list account numbers for account types that are not eligible for bank wire, such as Self-Employed 401(k), Health Savings Accounts (HSA), Fidelity Retirement Plan (Keogh), or Workplace Self-Directed Brokerage accounts. Submitting an ineligible account number will result in the form being rejected or the feature not being established on that account. Review the list of ineligible account types in the form's 'Helpful to Know' section before entering any account numbers.
For international wire recipients, people often leave the address fields incomplete, entering only a city or country without a full street address. The form explicitly states that a full address is required for international wires, and incomplete address information will cause the wire to be rejected or returned by the receiving institution. Always provide the complete street address, city, state/province, ZIP/postal code, and country for any international wire recipient.
When setting up instructions for a foreign bank account, many people forget to check the checkbox indicating the account is outside the United States and fail to provide the required SWIFT code and country name. Without this information, international wires cannot be processed correctly and will likely be rejected. If the recipient bank is located outside the U.S., always mark the checkbox and provide both the SWIFT code and the name of the country. Instafill.ai can flag this field as required when an international address is detected.
Many people are unaware that their recipient bank may require an intermediary or correspondent bank to process the wire, and they leave the correspondent bank fields blank. This can cause the wire transfer to fail or be significantly delayed, especially for international transfers. Contact the recipient bank in advance to confirm whether a correspondent bank is needed, and if so, obtain the correspondent bank's routing/ABA number and name before completing the form.
People sometimes enter a nickname, abbreviated name, or only one owner's name when the bank account is held jointly, rather than the full legal name(s) as they appear on the receiving bank account. A name mismatch can cause the receiving bank to reject or delay the wire transfer. Always enter the exact legal name(s) of the account owner(s) at the receiving institution, exactly as they appear on that bank account.
W-8-certified customers who are sending funds to a country different from their treaty country of tax residence frequently overlook Section 4, leaving the explanation field blank. This omission can cause the form to be rejected or flagged for additional review. If you have a W-8 on file and are establishing instructions to a country other than your treaty country, you must provide a clear explanation (up to 250 characters) in Section 4.
For standard accounts, only one authorized signature is required, but for Mutual Fund Accounts (account numbers beginning with '2' followed by two letters), all account owners must sign. People with joint Mutual Fund Accounts often submit the form with only one signature, causing it to be rejected. Check your account number format carefully and ensure all required owners sign and obtain Medallion signature guarantees before submitting.
The form explicitly instructs filers to use CAPITAL letters and black ink when completing the form by hand, but many people use lowercase letters, blue ink, or pencil out of habit. This can make the form difficult to process or scan, potentially causing delays or rejection. If not completing the form digitally, always use black ink and write in clear capital letters throughout. Using a digital form-filling tool like Instafill.ai eliminates this risk entirely by ensuring consistent, typed text.
People frequently send only the pages they filled out rather than the entire form, or they forget to include required supporting documents such as a voided check or bank letter confirming account details. Incomplete submissions will be returned or delayed. Always send all pages of the form (even blank ones) along with any required attachments to the correct Fidelity mailing address, and double-check the submission checklist at the bottom of the form before mailing.
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