Yes! You can use AI to fill out Fidelity One-Time Withdrawal Form — Nonretirement

Users often grab the first withdrawal form they find without reading the fine print, attempting to use this form for retirement, 529, or other ineligible accounts. The form explicitly states it is only for nonretirement Brokerage or Mutual Fund Only accounts. This mistake results in an immediate rejection of the request, causing significant delays as the user must find and restart the process with the correct form. Always verify the form's title and instructions to ensure it matches your specific account type before filling it out.

This is a frequent and critical error that halts processing. Users often don't realize a Medallion guarantee is required for transactions over $100,000, most wire transfers, or checks sent to an alternate address, or they confuse it with a more common notary stamp. Failure to provide the correct guarantee when required will cause the form to be rejected. To avoid this, carefully review the conditions in Section 5, and if required, visit a bank or credit union to obtain the guarantee, as a notary public cannot provide one.

Many users select the Electronic Funds Transfer (EFT) option in Section 3 assuming they can establish the link with this form, but the form clearly states it cannot be used for setup. The consequence is that Fidelity will default to mailing a physical check to the address on record, which can delay access to funds by several days. To prevent this, you must set up EFT instructions on your Fidelity account online or via the separate 'Electronic Funds Transfer (EFT) Authorization' form *before* submitting this withdrawal request.

In Section 2, a user might check a box to withdraw the 'ENTIRE VALUE' but also fill in a specific dollar amount, creating ambiguity. This happens due to haste or misunderstanding the options, forcing Fidelity to either deny the request or contact the user for clarification, causing processing delays. To avoid this, carefully read and select only one withdrawal option, ensuring all related fields for that single choice are completed accurately and all other options are left blank.

When requesting a specific dollar amount of cash, users may overestimate their available 'core account' balance, not accounting for unsettled trades or funds held in other securities. The form states that if the requested amount exceeds the core balance, the entire request will be denied, not partially filled. Before completing the form, log in to your Fidelity account online to verify your exact 'Cash Available to Withdraw' balance to prevent an automatic denial.

The signature rules can be easily missed. While one signature is often sufficient for standard brokerage accounts, the form specifies that for Mutual Fund Only accounts (where the number starts with a '2' followed by two letters), all owners must sign. A joint account owner might assume their signature alone is enough, leading to a rejected form. Always identify your account type and ensure all required parties sign and date the form in Section 4.

When requesting a bank wire in Section 3, users often omit critical details like the intermediary (correspondent) bank information, a full recipient address for international wires, or a SWIFT code. This happens because they may not know to ask their bank for this complete set of instructions. An incomplete wire request cannot be processed and will be delayed until all required information is provided. Always contact the receiving bank beforehand to get their complete incoming wire instructions.

Since this is a non-fillable PDF, users often print it and fill it out by hand, leading to illegible handwriting that can make account numbers or dollar amounts unreadable. Furthermore, when uploading, users may submit a blurry photo or an incomplete scan that cuts off pages. These issues cause processing errors or rejections. To avoid this, use a tool like Instafill.ai to convert the flat PDF into a cleanly fillable version, then ensure you scan or photograph all pages clearly before uploading.

Users submit the form expecting an immediate sale of securities at the current market price, but the form states trades may take up to five business days to process after receipt. This misunderstanding can lead to financial losses if the security's price drops during the processing delay. For time-sensitive transactions where you want to control the execution price, the form advises you to direct the sale of securities online or through a representative first, and then request the cash withdrawal.