Yes! You can use AI to fill out Fidelity Change of Account Registration: Changing to an Individual, Joint, or Custodial Brokerage Account
This Fidelity form is used to request a change in the registration of a non-retirement brokerage account, such as adding or removing an owner, or converting the account to an Individual, Joint, or Custodial (UGMA/UTMA) type. It requires detailed information about all current, new, and removed owners, along with specific supporting documentation depending on the nature of the change. 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 Change of Account Registration: Changing to an Individual, Joint, or Custodial Brokerage Account |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out Fidelity Change of Account Registration Online for Free in 2026
Are you looking to fill out a FIDELITY CHANGE OF ACCOUNT REGISTRATION form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY CHANGE OF ACCOUNT REGISTRATION form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY CHANGE OF ACCOUNT REGISTRATION form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity Change of Account Registration form.
- 2 Use the AI assistant to provide the existing account number and primary owner's name in Section 1.
- 3 Specify the new registration type in Section 3 and provide the complete, updated information for the primary account owner in Section 4.
- 4 Enter the required personal and financial details for any new or remaining additional owners in Section 5.
- 5 Review and select any desired account features, such as margin borrowing, in Section 6.
- 6 Ensure all parties—including owners being removed, owners remaining, and new owners—sign and date in the correct part of Section 8. Obtain a Medallion Signature Guarantee if required for your transaction value.
- 7 Review the entire form for accuracy, gather all required supporting documents (like death certificates or marriage certificates), and submit the complete package to Fidelity.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form Fidelity Change of Account Registration
This form is used to add or remove an owner on a brokerage account, or to change the account type to an Individual, Joint, or Custodial (UGMA/UTMA) brokerage account. It is not for simple updates like a change of address.
You cannot use this form for business accounts, retirement accounts (like IRAs), ABLE plans, 529 Savings Plans, Annuities, or Health Savings Accounts. There is a separate form for Mutual Fund Only accounts if you wish to maintain that account type.
Both you and your spouse must sign the form. You can avoid the need for a Medallion Signature Guarantee by providing a copy of your marriage certificate if the account value is over $100,000.
A Medallion Signature Guarantee is a special stamp from a financial institution that verifies your signature and identity, which is more secure than a notary. It is typically required for changes involving accounts over a certain value, such as $10,000 or $100,000, to protect against fraud.
All owners involved in the change must sign. Owners being removed from the account sign in Section 8a, while new owners and any current owners who are remaining on the account sign in Section 8b.
You will be assigned a new account number if you change the primary owner or if the tax reporting number for the account changes. If a new account is created, you will need to re-establish any desired account features as they do not carry over.
Using this form will convert your Mutual Fund Only account into a brokerage account. If you want to keep it as a Mutual Fund Only account, you must use the specific 'Change of Account Ownership — Mutual Fund Only Accounts' form instead.
You will generally need to provide a copy of the death certificate and a state tax waiver if required. Depending on the situation, you may also need a certified copy of a court appointment or a small estate affidavit.
For the fastest processing, scan or take a digital photo of the entire form and any required documents, then upload them at Fidelity.com/upload-ChgReg-Recovery. Mailing instructions are also available on Fidelity's website if you cannot upload digitally.
If the account registration change is due to the death of the current owner, a change to a Usufruct registration, or the death of a minor, you should call Fidelity's Transition Services at 800-544-0003 for specialized assistance.
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields from your profile. This can save time and reduce the chance of errors on complex forms.
You can upload the 'Change of Account Registration' PDF to the Instafill.ai platform. The service will make the form interactive, allowing you to fill it out on your computer, save your progress, and download the completed document.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai. It can convert the static PDF into an interactive, fillable form that you can easily complete online.
Compliance Fidelity Change of Account Registration
Validation Checks by Instafill.ai
1
Verifies Required Signatures Match Transaction Type
This check cross-references the type of account change requested with the signature requirements matrix in the form's information section. It ensures that all required parties (e.g., current owners, new owners, legal representatives) have signed in the appropriate sections (8a or 8b). Failure to obtain all necessary signatures is a primary reason for rejection, as it indicates a lack of proper authorization for the change, delaying the process until a correctly signed form is submitted.
2
Ensures Medallion Signature Guarantee is Present When Required
Validates that a Medallion signature guarantee is provided based on the rules tied to account value and transaction type (e.g., account over $100,000 when adding a non-spouse). This guarantee protects against fraudulent transfers by verifying the identity and authority of the signer. If a required guarantee is missing, the form will be rejected and returned, as the transaction cannot be processed without this level of identity assurance.
3
Confirms All Required Supporting Documents are Attached
Checks for the presence of all necessary supporting documentation as specified in the requirements matrix, such as a death certificate, marriage certificate, or certified copy of court appointments. These documents provide legal proof for the requested change and are essential for compliance and legal validity. Submissions lacking the required documents will be considered incomplete and will not be processed.
4
Validates Completeness of Primary Owner Information in Section 4
Ensures all required fields in Section 4 for the Primary Account Owner (or minor) are completed, including full legal name, Taxpayer ID number, date of birth, and residential address. This information is fundamental for account setup, tax reporting (IRS), and identity verification under federal law. An incomplete Section 4 will halt the process, as the account cannot be properly registered or compliant without this core data.
5
Validates Taxpayer ID Number (SSN/TIN) Format and Uniqueness
This check verifies that the Social Security Number (SSN) or Taxpayer Identification Number (TIN) provided in Sections 4 and 5 consists of exactly 9 digits. It also ensures that if the primary owner is changing (Section 2), the new primary owner's TIN is different from the previous one. Correct tax information is critical for IRS reporting, and a malformed or incorrect TIN will lead to processing failure and potential tax reporting issues.
6
Verifies Foreign Citizen Identification and Expiration Date
If an owner indicates they are a 'Foreign citizen', this validation ensures the government identification details are fully provided, including ID number, country of issuance, and dates. Crucially, it checks that the 'ID Expiration Date' is a future date. Using an expired ID is not permissible for identity verification, and failure to provide a valid, unexpired ID will result in the rejection of the application.
7
Ensures State is Specified for UGMA/UTMA Accounts
When 'UGMA / UTMA (custodial)' is selected as the new registration type in Section 3, this check confirms that the corresponding state field is filled out. The state is legally significant as it governs the rules of the custodial account, including the age of termination. If the state is omitted, the form is considered incomplete because the legal framework for the account is undefined.
8
Checks for Logical Consistency in Employment and Income Source Fields
This validation ensures the income source fields are filled out logically based on the employment status selected in Sections 4 and 5. For example, if 'Employed' is checked, the 'Occupation' and 'Employer' fields must be completed. If 'Retired' or 'Not employed' is selected, the 'Source of Income' field must be filled. This information is required by industry regulations, and inconsistencies or omissions will cause processing delays.
9
Validates Fidelity Account Number and Eligibility
Verifies that the 'Fidelity Account Number' provided in Section 1 corresponds to a valid, active account. It also checks that the account type is eligible for this form, excluding business, retirement, ABLE, 529, or Mutual Fund Only accounts that the owner wishes to keep as such. An invalid or ineligible account number will result in immediate rejection, as the system cannot identify the target account for the change.
10
Enforces Louisiana-Specific Joint Registration Rules
This check validates the joint registration type based on the owner's state of residence. It disallows 'Joint: Tenants with rights of survivorship' for Louisiana residents and only permits 'Joint: Usufruct' for Louisiana residents, as noted on the form. Selecting an invalid registration type for the state of residence will cause the application to fail, as it would create a legally invalid account structure.
11
Validates Date of Birth for Legal Age
Checks that the Date of Birth provided for any new or remaining adult owner (Sections 4 and 5) indicates the individual is of legal age (typically 18 or older). This is crucial because account owners must be legally authorized to enter into the customer agreement. A date of birth indicating the person is a minor (unless it's for the minor on a custodial account) will cause the validation to fail.
12
Ensures Signatures are in the Correct Section (8a vs. 8b)
This validation confirms that individuals being removed from the account sign in Section 8a, while individuals being added or remaining on the account sign in Section 8b. Placing signatures in the wrong section creates ambiguity regarding the signer's intent and authorization. Such an error will lead to the form being rejected for clarification and correction.
13
Verifies Completeness of Required Contact Information
This check ensures that the 'Mobile Phone' and 'Email' fields in Sections 4 and 5 are completed for all new and remaining owners. The form states this information is required for account security, transactional alerts, and electronic delivery of communications. Missing contact information can prevent account opening or feature setup and may cause the form to be flagged as incomplete.
14
Validates Full Legal Name Requirement
This check ensures that the First Name and Last Name fields in Sections 4 and 5 do not contain initials or abbreviations, as the form explicitly requires the 'full first and last name as evidenced by a government-issued, unexpired document'. This is a critical part of federal identity verification requirements (KYC). An abbreviated name will fail validation and require correction to ensure legal and regulatory compliance.
Common Mistakes in Completing Fidelity Change of Account Registration
The form's initial pages detail a complex matrix of required documents like death certificates, marriage certificates, or court appointments depending on the specific account change. People often misinterpret their situation or forget to include all necessary paperwork. Submitting the form without all required documents will result in an immediate rejection and significant processing delays, requiring a full resubmission.
The form requires signatures from all current, removed, and new owners, but they must sign in different sections (8a for removed owners, 8b for added/remaining owners). Users frequently get confused, leading to missing signatures or signatures in the wrong place. This is a critical error that invalidates the form and requires it to be filled out and signed all over again.
Many transaction types over a certain dollar threshold (e.g., $10,000 or $100,000) require a Medallion Signature Guarantee, which is different from a notary stamp. Applicants often overlook this requirement or mistakenly get a notary seal, which is not accepted. This failure leads to the form being returned and requires the applicant to visit a qualified financial institution to obtain the proper guarantee.
The form explicitly states it is NOT for business, retirement, ABLE, 529, or Mutual Fund Only accounts, yet people often use it for these by mistake. This happens when they search for a generic 'change of ownership' form without reading the fine print. Using the incorrect form means the entire effort is wasted and the process must be restarted with the correct paperwork.
Sections 4 and 5 require detailed personal data, including full legal names matching a government ID, date of birth, and TIN. Common errors include using nicknames, omitting middle names, or leaving required fields like email and mobile number blank. These omissions or mismatches can cause verification failures, processing delays, and issues with account security alerts.
The tables on pages 1-3 are the most critical part of the instructions, but they are dense and can be confusing. A user might incorrectly identify their 'From' account type or the 'To' account type, leading to a cascade of errors regarding who needs to sign, whether a Medallion guarantee is needed, and which documents to attach. This fundamental mistake ensures the submission will be rejected.
The form warns that some registration changes will result in a new account number, and that pending transactions (like checks or bill payments) on the old account may not be processed. Eager to complete the change, people sometimes submit the form too early. This can lead to bounced checks, failed payments, and potential fees from third parties.
For non-U.S. citizens, the form requires specific details from a government-issued ID and a physical copy of that unexpired ID must be attached. People often forget to include the copy of the ID or fill out the ID number, issuance, and expiration date fields incorrectly. This is a strict compliance requirement, and any error will halt the account change process until the correct information and documentation are provided.
Applicants often skim past and leave blank the sections regarding associations with broker-dealers (FINRA) or affiliations with publicly traded companies. These are not optional questions; they are required for regulatory compliance. Failing to disclose this information can lead to compliance violations and future restrictions on the account.
In Section 3, an applicant might select a registration type that is unavailable in their state (e.g., 'Tenants by the entirety'). More commonly, they may not make a selection at all, causing the account to default to 'Joint: tenants with rights of survivorship,' which may not reflect their legal or estate planning intentions. This can have significant legal and tax consequences that are difficult to undo later.
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