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Fidelity Charitable Irrevocable Contribution Form and Letter of Instruction, page 1

Moderate · 58/100Form Complexity Index

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What this form asks for

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This form is a legal document for donors to make irrevocable contributions to their Fidelity Charitable® Giving Account®. It allows donors to specify the type of asset being contributed—such as cash, stocks, or mutual funds—and from which financial institution they are being transferred. The form also serves as a letter of instruction for how the contributed assets should be allocated among various investment pools. 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.

Fillable fields128

Pages5

Sections47

Form Complexity IndexModerate, 58/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Investment Pool Allocation Total

This check verifies that if the user opts to manually allocate their contribution in Section 3B, the sum of all specified percentages across all selected investment pools equals exactly 100%. This is critical to ensure the full contribution is allocated according to the donor's wishes without ambiguity. If the total is not 100%, the form submission will be blocked with an error message prompting the user to adjust the percentages.

Conditional Donor Information Requirement

Validates that if the donor is an individual ('Account Holder' or 'Third-Party Donor' is checked), the 'First Name' and 'Last Name' fields are completed. Conversely, if 'Entity' is checked, the 'Entity Legal Name' field must be completed. This ensures that the tax receipt is generated for the correct contributing party and prevents submission with incomplete donor identification.

Contribution Source Completeness

Ensures that at least one contribution method and its corresponding required fields are filled out across Section 2A, 2B, or 4. The form is useless without a defined contribution, so this check prevents the submission of an empty or incomplete contribution request. A failure would result in an error message indicating that the user must specify the assets they wish to contribute.

SSN/TIN Format Validation

This check confirms that the 'Social Security or Tax Identification Number' field in Section 1 contains a valid, correctly formatted 9-digit number. It should match standard SSN (NNN-NN-NNNN) or TIN/EIN (NN-NNNNNNN) patterns. Correct identification is essential for tax reporting and anti-money laundering compliance, and an invalid format will prevent form submission.

Conditional Section Completion Logic

Verifies that the user completes the correct sections based on their initial selection for asset location. For example, if 'Assets held at Fidelity Investments' is checked, Section 2A must be completed. This logic guides the user through the form correctly and ensures the right information is captured for the specified contribution type, preventing processing errors.

Mutual Fund Transfer Method

If a user is contributing assets from an external institution (Section 4) and the 'Description of Assets/Name of Security' indicates a mutual fund, this validation ensures that 'Option 2: I authorize Fidelity Charitable to initiate the transfer' is selected. The form explicitly states this is required for mutual funds, and this check enforces that rule to prevent transfer failures and delays.

And 8 more checks

Date Field Format and Plausibility
Signature and Date Requirement
Numeric Fields Positivity and Format
Investment Selection Exclusivity
Required Contact Information Completeness
Phone Number Format Validation
Security Contribution Grouping
Citizenship Status Selection

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How to Fill Out Fidelity Charitable Contribution Form Online for Free in 2026

What the AI walks you through.

Navigate to Instafill.ai and upload the Fidelity Charitable Irrevocable Contribution Form.
Provide your Giving Account number and donor information in Section 1, specifying whether you are the account holder or a third-party donor.
Complete the relevant sections (2A, 2B, or 4) to detail the assets you are contributing, whether they are from a Fidelity account, an outside institution, or via check/wire.
In Section 3, recommend how your contribution should be allocated by selecting from the available investment pools or managed account options.
Carefully review all entered information, including asset details, account numbers, and investment allocation percentages, to ensure accuracy.
Electronically sign and date the form in Section 5 to certify the information and authorize the irrevocable contribution.
Download the completed form and follow the submission instructions on the last page to mail or fax it to Fidelity Charitable.

Common Mistakes in Completing Fidelity Charitable Contribution Form

The ones the AI is built to catch.

Completing the Wrong Sections for the Asset Type

The form's first page directs users to different sections based on whether assets are held at Fidelity (2A) or elsewhere (4). Donors frequently get confused and fill out the wrong sections, providing information that doesn't match their contribution source. This error causes immediate processing delays or rejection, requiring the donor to submit a new, corrected form. To prevent this, carefully read the instructions at the top of page 1 and only complete the sections listed for your specific situation.

Investment Allocation Percentages Not Totaling 100%

In Section 3B, donors must specify how to allocate their contribution across various investment pools, and the percentages must add up to exactly 100%. It's a common arithmetic error to be slightly over or under this total, which makes the instruction invalid. An incorrect total will halt the processing of the contribution until the form is corrected and resubmitted. Always double-check your math before signing; AI-powered form filling tools like Instafill.ai can automatically validate these calculations to prevent errors.

Attempting a Direct Contribution from an IRA

A prominent warning on page 2 states that direct contributions from IRA accounts are not permitted with this form. Donors sometimes miss this and list their IRA as the source account, which will be rejected. The correct procedure involves first taking a distribution from the IRA to a non-retirement account, and only then contributing the settled funds. Failing to follow this required two-step process will cause the transaction to fail and lead to significant delays.

Choosing the Wrong Transfer Method for Mutual Funds

When contributing mutual funds from an external institution (Section 4), the form explicitly requires selecting Option 2, which authorizes Fidelity Charitable to initiate the transfer. Many donors mistakenly select Option 1, assuming they can initiate it themselves, which is not possible for mutual funds. This error will cause the transfer to fail and require a new, corrected form, significantly delaying the contribution.

Incorrectly Identifying the Contributor

Section 1 requires specifying whether the contribution is from the 'Account Holder,' a 'Third-Party Donor,' or an 'Entity' like a trust, as this determines who receives the tax receipt. Donors may fill in their personal name when the funds are legally coming from their family trust or business. This mistake can lead to incorrect tax documentation and potential issues with the IRS, so it is crucial to identify the legal owner of the assets being contributed.

Forgetting to Attach Required Supporting Documents

Several sections require additional paperwork, such as a recent account statement when authorizing a transfer from an external firm (Section 4) or employer matching gift forms (Section 2). Forgetting to include these documents is a frequent oversight that brings the process to a halt. Fidelity Charitable will have to contact the donor for the missing items, delaying the contribution until all required paperwork is received.

Entering Fractional Shares for Stock Contributions

When contributing stock from a Fidelity account (Section 2A), the form states that only whole shares are transacted and partial shares will be rounded down. Donors often enter a fractional amount like '50.75 shares,' not realizing that only 50 shares will be contributed, resulting in a smaller donation than intended. To avoid this, always enter whole share numbers for stock contributions to ensure the correct amount is transferred.

Overlooking the Medallion Signature Guarantee Requirement

For contributions of physical stock certificates (Section 2B), a Medallion Signature Guarantee is mandatory but often missed because it's an unfamiliar requirement. This is a special stamp from a financial institution that guarantees the signature's authenticity and is different from a notary. Submitting certificates without this guarantee will result in immediate rejection of the contribution, as it is a legal necessity for the transfer.

Using a Prohibited Type of Check

The form explicitly prohibits contributions via cashier’s checks, money orders, bank drafts, and other similar instruments, likely for compliance reasons. Donors may assume these are acceptable forms of payment and submit them, only to have the contribution rejected and returned. To ensure acceptance, contributions by check must be made using a personal or business check payable directly to Fidelity Charitable as instructed.

Missing Signature or Date

The signature and date in Section 5 are required to authorize the irrevocable contribution. It is common for donors to forget to sign, leave the date blank, or miss a required second signature if the account requires it. An incomplete signature block renders the entire form invalid, halting the transaction until a fully executed form is mailed or faxed. If the form is a non-fillable PDF, tools like Instafill.ai can convert it to a fillable version where you can easily add a digital signature and date.

Frequently Asked Questions About Fidelity Charitable Contribution Form

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This plan is for your Fidelity Charitable Contribution Form: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.

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How does the AI fill out Fidelity Charitable Contribution Form?

You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Fidelity Charitable Contribution Form, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.

What happens to my information?

It is encrypted in transit and at rest, and it is never used to train AI.

How complex is Fidelity Charitable Contribution Form to fill out?

Fidelity Charitable Contribution Form has a Form Complexity Index of 58 out of 100, in the moderate tier: 128 fillable fields across 5 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.

What is the purpose of the Fidelity Charitable Irrevocable Contribution Form?

This form is used to make a permanent, non-refundable contribution of assets like cash, stocks, or mutual funds to a Fidelity Charitable Giving Account.

Who needs to fill out this form?

This form should be used by Giving Account holders or third-party donors who wish to contribute assets to a Fidelity Charitable Giving Account. It covers contributions from various sources, including Fidelity accounts, other financial institutions, and checks.

What information do I need to have ready before filling out the form?

You will need your Giving Account number, personal contact information, and details about the assets you're contributing, such as the financial account number, number of shares, or check amount. For transfers from an outside firm, a recent account statement is also required.

I'm contributing stock from my Fidelity brokerage account. Which sections do I need to complete?

If your assets are held at Fidelity Investments, you only need to complete sections 1, 2A, 3, and 5. Section 2A is specifically designed for contributions of cash or securities held within a Fidelity account.

How do I contribute securities from a brokerage account that is not with Fidelity?

For assets held at a financial institution other than Fidelity, you must complete sections 1, 3, 4, and 5. Section 4 serves as a Letter of Instruction to authorize the transfer from your other institution.

Can I use this form to contribute directly from my Fidelity IRA?

No, you cannot contribute directly from an IRA using this form. You must first take a distribution from your IRA to a non-retirement account and then contribute those funds to your Giving Account.

What happens if I don't choose an investment pool in Section 3?

If you do not specify an investment allocation, your contribution will automatically be allocated to match your Giving Account's current investment mix. If the account is new and unfunded, it will default to the Asset Allocation 20% Equity Pool.

How long does it take to transfer mutual funds from another company?

Transfers of mutual funds from an outside institution must be initiated by Fidelity Charitable and typically take three to six weeks to complete. You must select Option 2 in Section 4 and include a recent account statement.

How do I submit the completed form?

You can mail the form to the address provided on page 6 or fax it to 877-665-4274. If your transfer requires an original signature, you must mail the form, as an original signature cannot be accepted via fax.

What does 'irrevocable contribution' mean?

An irrevocable contribution is a permanent gift that, once accepted by Fidelity Charitable, cannot be refunded or returned to the donor. Your signature on the form confirms your understanding of this condition.

How do I contribute restricted stock or assets from a DRIP?

This form cannot be used for restricted stock, stock from a Dividend Reinvestment Plan (DRIP), or other non-publicly traded assets. You must contact Fidelity Charitable directly at 800-262-6039 for special handling instructions.

Can AI tools help me fill out this form?

Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help reduce errors. This is especially useful for forms with repetitive information.

How can I use Instafill.ai to complete this form online?

Simply upload the Irrevocable Contribution Form PDF to the Instafill.ai platform. The AI will identify the fields, allowing you to fill them out interactively online and securely save your information for future use.

What should I do if the PDF version of this form I have is not fillable?

If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai. It can convert the static PDF into an interactive, fillable form that you can easily complete on your computer.

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