Yes! You can use AI to fill out Fidelity Investments Change of Account Ownership — Mutual Fund Only Accounts
This form from Fidelity Investments is used to formally change the ownership registration of specific mutual fund accounts, such as adding a spouse to a joint account, removing an owner, or updating a custodian. It is a critical document for managing account ownership changes due to life events, but it does not apply to brokerage, retirement, or 529 plan accounts. 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 Investments Change of Account Ownership — Mutual Fund Only Accounts |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out Fidelity Form 592525.10.0 Online for Free in 2026
Are you looking to fill out a FIDELITY FORM 592525.10.0 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY FORM 592525.10.0 form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY FORM 592525.10.0 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity Change of Account Ownership form.
- 2 Provide the current account number and primary owner's name in Section 1.
- 3 Specify the new account registration type (e.g., Individual, Joint, Custodial) in Section 3.
- 4 Enter the required personal information for the primary owner (Section 4) and any new or remaining additional owners (Section 5), including names, addresses, and Taxpayer ID Numbers.
- 5 Review the AI-populated form to ensure all information for current, removed, and new owners is accurate.
- 6 Download the completed form, then have all required parties sign in Section 7. Obtain a Medallion Signature Guarantee if the account value meets the specified thresholds.
- 7 Submit the entire signed form along with any required supporting documentation (like a death certificate or marriage certificate) to Fidelity via mail.
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 Form 592525.10.0
This form is used to add or delete an owner on a Mutual Fund Only Individual, Joint, or Custodial (UGMA/UTMA) account. It can also be used to change other account types into one of these specific account types.
Yes, you cannot use this form for business accounts, retirement accounts, 529 Savings Plans, Annuities, Cash Management Accounts, or Health Savings Accounts. It is also not for simply updating details like your address.
Generally, all current, new, and removed account owners must sign the form. The specific signature requirements vary by the type of change, so you must consult the 'Requirements for Different Types of Account Change' matrix in the form's information pages.
A Medallion Signature Guarantee may be required, typically for transactions involving accounts over $10,000 or $100,000, depending on the situation. Refer to the detailed matrix at the beginning of the form to see if it applies to your specific account change.
A Medallion Signature Guarantee is a special signature verification provided by a financial institution like a bank or credit union. A notary seal or stamp is not a substitute and will not be accepted in its place.
Both you and your spouse must sign the form. To avoid needing a Medallion Signature Guarantee for accounts over $100,000, you can simply provide a copy of your marriage certificate along with the form.
The form provides instructions for some situations involving a deceased owner, but for specific assistance, you are advised to call Fidelity's Transition Services at 800-544-0003.
Fidelity will be unable to reregister the account as requested if any required forms or supporting documentation are missing. Ensure you have included everything listed for your specific situation before submitting.
You can send the form via regular mail to the P.O. Box in Cincinnati, OH, or via overnight mail to the street address in Covington, KY. Both addresses are provided on the final page of the form.
If you are creating a new joint account and do not check a registration type, the account will default to 'Joint: tenants with rights of survivorship,' unless you are in Louisiana where this type is not available.
Your account number will change if the primary owner and their tax reporting number are changing. In most other cases, you will keep your current account number, though UGMA/UTMA accounts always get a new number.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help prevent errors. This is especially useful for complex forms with many fields.
You can use a service like Instafill.ai to complete this form online. Simply upload the PDF to their platform, and it will become an interactive, fillable form that you can complete, sign, and download.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. This allows you to type your information directly into the fields instead of printing and filling by hand.
Compliance Fidelity Form 592525.10.0
Validation Checks by Instafill.ai
1
Verifies Required Signatures Match Change Type
This check ensures that all required parties have signed the form in the correct section (7a for removed owners, 7b for new/remaining owners). The required signers are determined by the matrix on pages 1-3 of the form instructions, based on the original and new account types. Failure to obtain all necessary signatures will result in the rejection of the form, as authorization for the change is incomplete.
2
Conditional Validation for Medallion Signature Guarantee
This validation confirms that a Medallion Signature Guarantee is provided when required by the transaction rules. For example, it's needed for current owners if an account over $100,000 is being changed, or for a resigning custodian if an UGMA/UTMA account is over $10,000. Missing a required guarantee is a critical failure that stops processing to prevent unauthorized high-value transfers.
3
Validates Taxpayer ID Number Format and Type
This check verifies that the Social Security Number (SSN), Individual Taxpayer Identification Number (ITIN), or Entity ID/Taxpayer Identification Number (TIN) is in the correct 9-digit format. It also ensures that individuals provide an SSN/ITIN while entities (like trusts) provide an Entity ID/TIN. An invalid or mismatched Tax ID number will cause tax reporting errors and prevent account setup.
4
Ensures Completeness of Foreign Citizen Information
If an owner indicates they are a 'Foreign citizen' in Section 4 or 5, this validation ensures all subsequent fields are completed, including Country of Citizenship, residency status, and Government Identification Number details. Incomplete information prevents the firm from meeting federal requirements for identifying customers. The form submission will be considered incomplete and returned.
5
Validates Government ID Expiration Date for Foreign Citizens
For any owner identified as a foreign citizen, this check confirms that the provided government ID's expiration date has not passed. The form explicitly requires an unexpired ID. Submitting a form with an expired ID will lead to rejection, as it fails to meet identity verification standards.
6
Confirms Selection of a Single New Registration Type
This check ensures that exactly one checkbox is selected in Section 3, 'New Registration Type.' This selection is fundamental to defining the new ownership structure of the account. If zero or multiple options are selected, the firm cannot know how to re-register the account, and the request will be rejected for clarification.
7
Enforces State-Specific Registration Restrictions
This validation enforces rules based on an owner's state of residence. For example, it prevents the selection of 'Joint: Tenants with rights of survivorship' if the owner's address is in Louisiana, and ensures 'Joint: Usufruct' is only selected for Louisiana residents. Ignoring these state law-based restrictions would create a legally invalid account registration.
8
Verifies Presence of Required Supporting Documents
Based on the type of ownership change, this check confirms that all required supporting documents are submitted with the form, such as a death certificate, marriage certificate, or court appointment. The instructions state that if required documentation is missing, the account cannot be reregistered. The submission will be placed on hold or rejected until all documents are received.
9
Validates Date of Birth Format and Plausibility
This check ensures the Date of Birth in Sections 4 and 5 is a real, valid date in MM DD YYYY format. It also serves as a plausibility check to ensure the date is not in the future and that the individual is of legal age, unless the account is a custodial (UGMA/UTMA) account for a minor. An invalid DOB will fail identity verification and halt the process.
10
Checks for Mandatory Contact Information
This validation confirms that the 'Mobile Phone' and 'Email' fields are filled out for all new and remaining owners in Sections 4 and 5. The form states this information is required for account security, transactional alerts, and electronic communications. Missing contact information will cause the form to be rejected as incomplete.
11
Validates Signature Date Presence and Correctness
This check ensures that every signature in Section 7 is accompanied by a 'TODAY’S DATE' in MM/DD/YYYY format. It also verifies that the date provided is not in the future. A missing or invalid date can call the timing and validity of the authorization into question, leading to rejection of the form.
12
Verifies Court Appointment Document Freshness
For changes involving an estate, this validation checks that any 'certified copy of court appointment' document is dated within 180 days of the form submission. This is a requirement listed in the instructions to ensure the legal representative's authority is current. An outdated document will result in the rejection of the application pending more recent legal proof.
13
Confirms Primary Owner Status Selection
This check ensures one of the two radio buttons in Section 2, 'Primary Owner Status,' has been selected. This choice dictates whether the tax reporting number and account number will change, which is a critical detail for processing the request. Failure to make a selection leaves the system with ambiguous instructions, causing the form to be rejected.
14
Validates Account Number and Owner Match
This check verifies that the 'Account Number' provided in Section 1 exists within Fidelity's systems and is registered to the 'Primary Owner/Trustee/Minor Name' also listed in Section 1. It also confirms the account is an eligible type for this form. A mismatch indicates the user may have entered incorrect information or is attempting to change an account they do not own, causing immediate failure.
Common Mistakes in Completing Fidelity Form 592525.10.0
The form begins with a complex matrix detailing who must sign, when a Medallion Signature Guarantee is needed, and what documents are required for various scenarios. People often misidentify their specific situation, leading them to gather the wrong signatures or documents. This results in immediate rejection of the form and significant processing delays. To avoid this, carefully locate your exact 'From' and 'To' account change scenario in the matrix on pages 1-3 and use it as a checklist before filling out the rest of the form.
Many scenarios, especially those involving transfers over $10,000 or $100,000, require a Medallion Signature Guarantee, which is different from a notary stamp. Applicants often misunderstand this requirement, get a simple notarization, or skip it entirely. A missing or incorrect guarantee will cause the form to be rejected. You must visit a qualified financial institution (like a bank or credit union) to obtain this specific guarantee on the signature pages (7a or 7b).
The form requires signatures from all current, removed, and new owners, separated into specific sections (7a for removed owners, 7b for new/remaining). A common error is missing a required signature or having someone sign in the wrong section. This invalidates the request and requires the form to be re-submitted. Carefully follow the 'Who Must Sign' column in the initial matrix to ensure every required individual signs in the correct designated space.
Many account changes, particularly those involving a death, marriage, or trust, require specific legal documents like a death certificate, marriage certificate, or certified court appointments. Applicants frequently overlook these requirements and submit the form without the necessary attachments. Fidelity will not process the request until all required documentation is received, causing major delays. Use the 'Required Documents' column in the matrix as a final checklist before mailing the packet.
In Section 3, applicants must choose a new account registration type, such as 'Joint: Tenants with rights of survivorship' or 'Tenants in common'. People often select a type without understanding the significant legal and inheritance implications. An incorrect choice can lead to unintended consequences for estate planning. It is crucial to consult a legal or financial advisor to understand the differences before making a selection on the form.
Sections 4 and 5 instruct applicants to enter their full first and last name as it appears on a government-issued ID. People often use nicknames, initials, or variations of their name, which can cause identity verification failures. This discrepancy can lead to account restrictions or closure. Always enter your full legal name exactly as it is printed on your driver's license or passport. AI-powered tools like Instafill.ai can help by saving and consistently applying the correct legal name across forms.
The form explicitly distinguishes between a 'Residential Address (where you live)' and a 'Mailing Address'. The residential address must be a physical street address for tax reporting and legal purposes. A common mistake is entering a P.O. Box in the residential address field, which is not permissible and will cause processing errors. Ensure your physical address is in the 'Residential Address' fields and use the separate 'Mailing Address' section for a P.O. Box if needed.
The instructions on page 7 state to send the 'ENTIRE form (1-7)' to Fidelity. Applicants sometimes only mail the pages they filled out and signed, assuming the instructional pages are not needed. This can lead to the submission being flagged as incomplete. To ensure proper processing, always mail all pages of the form, even those that are purely informational.
Section 6 mentions the checkwriting feature, but simply acknowledging this section does not activate it. A frequent mistake is assuming checkwriting will be added or carried over automatically. The form clearly states that a separate 'Checkwriting form' must be downloaded and submitted, even if the feature existed on the old account. Failure to submit the separate form means the feature will not be available on the new or updated account.
The owner information sections (4 and 5) have specific, mandatory fields for non-U.S. citizens, including country of citizenship, residency status, and government ID details. Foreign citizens often overlook these fields or fail to attach a required copy of their unexpired government ID. This omission will halt the account change process until the verification information is provided. AI-powered form fillers like Instafill.ai can help prevent this by intelligently prompting for required fields based on citizenship status and can work even if the form is a non-fillable PDF.
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