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Moderate · 55/100Form Complexity Index

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What this form asks for

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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.

Fillable fields77

Pages6

Sections23

Form Complexity IndexModerate, 55/100

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.

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.

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.

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.

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.

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.

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.

And 8 more checks

Plan Administrator Signature Requirement
Conditional Employment Information
Agent Contact Information Completeness
SSN/Taxpayer ID Number Format
Account Number Presence
Conditional Agent Removal Information
Mutual Fund Account Signature Logic
Signature and Date Presence

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How to Fill Out Fidelity Account Authority Online for Free in 2026

What the AI walks you through.

Navigate to Instafill.ai and upload the Fidelity Account Authority form or select it from the template library.
Enter the account owner's name(s) and the specific Fidelity account numbers to be included in the authorization in Section 1 and 2.
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.
Have the designated authorized agent complete Section 5 with their personal information, including name, address, SSN, and employment details.
The authorized agent must sign and date Section 6, and the account owner(s) must sign and date Section 7.
If granting 'Full Authority', obtain a Medallion signature guarantee in Section 7 as required, unless an exception applies.
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.

Common Mistakes in Completing Fidelity Account Authority

The ones the AI is built to catch.

Providing a Notary Stamp Instead of a Medallion Signature Guarantee

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.

Failing to Obtain a Medallion Guarantee for Full Authority

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.

Missing Required Signatures for Joint Mutual Fund Accounts

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.

Account Owner Completing the Authorized Agent's Section

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.

Using Nicknames or Incomplete Names

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.

Incomplete Information for Foreign Citizen Agents

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.

Listing Ineligible Account Types

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.

Incorrectly Disclosing Financial Associations or Affiliations

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.

Requesting an Invalid Authority Level for a Specific Account

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.

Omitting Required Contact Information for the Agent

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.

Incorrect Person Signing in a Signature Block

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.

Frequently Asked Questions About Fidelity Account Authority

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How does the AI fill out Fidelity Account Authority?

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 Account Authority, 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 Account Authority to fill out?

Fidelity Account Authority has a Form Complexity Index of 55 out of 100, in the moderate tier: 77 fillable fields across 6 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 Account Authority form?

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.

Who needs to fill out this form?

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.

What is the difference between 'Limited Authority' and 'Full Authority'?

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.

Can I use this form for my 401(k) or other workplace retirement plan?

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.

What is a Medallion signature guarantee and why is it required?

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.

What information does the person I'm authorizing need to provide?

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.

How do I submit the completed form?

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.

Can I grant authority on any type of Fidelity account?

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.

I already have an authorized agent. What happens if I submit this form for a new one?

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.

Who needs to sign this form?

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.

Can AI tools help me fill out this form?

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.

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

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.

What should I do if the PDF form I downloaded is not fillable?

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.

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