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title: Fidelity App Showing Incorrect Balance – What Causes It

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# Why Your Fidelity App Is Showing an Incorrect Balance: 7 Common Causes & Fixes

**Meta Description:** If the Fidelity app is showing an incorrect account balance, learn the 7 common causes, how to fix them, and when to call 888-684 9487 for help.

**Why Your Fidelity App Is Giving You the Wrong Balance: 7 Most Solutions and Remedies.**

When you look at the Fidelity mobile application and see that your account balance is not accurate, you are, in fact, not alone, and you are not necessarily being misled. In most cases, this problem is one of several technical, time-based or display factors as compared to a significant mistake on your money. We will discuss what might make it seem that your balance is not correct, what you can do with it, and when you need to call the number **888-684 ☎ 9487** and get personal help.

This is how balance displays work in the Fidelity App.
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To start with, it is good to know what balance the Fidelity app is reporting. Fidelity on its help pages states that:

There is a Current column that reflects the latest information in that balance field; some balances are updated in real time, some are updated during the day and others are updated at night **888-684 ☏ 9487**.
* “Intraday balance activity) incorporates purchases, money in/out of your account within a day and updates on the same **888-684 ☏ 9487**.
  In a word: you may very well look at a figure that should be accurate - because of market charges, transactions that have not been settled, or a delay in the display, what you see may not be reflected in the actual balance you will then have. This knowledge will prevent panic when the figure seemed incorrect.

**The reason lies in the fact that the market value and cost delays affect the securities market.**

The fact that securities are priced in a certain way is one of the most common reasons of a wrong looking balance:

* In case you have stocks or ETFs or funds, their market value will vary all day long. Although the value displayed by the app may be real-time, it is a snapshot that is prone to change **888-684 ☏ 9487**. 
* There are securities that are not traded continuously (such as some mutual funds, bonds or overseas securities). They can update their pricing only at the end of the market.
* When you just purchased or just sold securities, the sale may not be priced, or settled, so the indicated value of the market may be lagging.
  Fix: Compare your holdings list and verify recent trades and, where necessary, enable the market to close or settle.

**The second cause is Pending Transactions or Unsettled Trades.**

Another major offender: the transactions that have been made yet are not reflected fully:

* A deposit that you made may be showing as pending or in transit and the app may not yet reflect it in your Available Balance.
Trades that were made might not reflect the settled cash or revised positions as yet but only the amount executed.
A withdrawal or transfer could have been made and less of your available was recorded though the trade/refund will be recorded later.
  In the event you notice discrepancy in the balance of around a trade, deposit, or transfer, check the **Activity** or **Orders** tab in the app (or via a web) to view what was pending. The number should be recorded in the app once the transaction is made and settled (usually 1-3 business days).

**Cause 3: App/ Device Cache / Display Glitches.**

The wrong balance is sometimes merely a show or synchronizing problem:

* It may have an out-of-need application that is not always compatible with the latest system developments.
Your phone or computer might have saved a previous version of your account information, and as such there is no update to the number.
* A slow or poor internet connection can cause some or stagnant data to be displayed. Indicatively, a single tech-support guide observed that one of the most frequent reasons of the app not working issue is the lack of connectivity or older versions of the apps **888-684 ☏ 9487**. 
  Fix: The Fidelity app should be updated to the most up-to-date version, the app should be closed and reopened, a force-refresh (or a pull-down to refresh) should be performed, and in some cases, it might be necessary to log out and log in. Test your Internet as well.

**A multiplicity of accounts or covert views of an account is a cause of mortgage fraud.**

The balance as a whole might look incorrect when there are accounts which are hidden or combined in a different way:

* When you are linked to many accounts (brokerage, IRA, 401k) the app may not show all of them but may hide those with zero balances.
* When downloading a money market fund in your account, some funds can be listed as both a security and cash (doubling the number of views) when using third party software **888-684 ☏ 9487**. 
* You could have sifted some types of accounts off your mobile display (e.g. hidden = on) so your total count does not include something you awaited.
  Resolution: The issue in your Fidelity mobile app is that you need to review the list of accounts, and make sure that all the appropriate accounts are reflected including hidden/zero-balance accounts, and also ensure that the total number matches the web version.

**Lag in Synchronization of Web and Mobile.**

In some cases, the mobile app reflects another figure than the web version of your Fidelity account due to the syncing time:

* When you have seen your account on a computer at the end of the market or after a large trade, the web might have changed but the app has not.
Maintenance windows (see next cause), or updates to the back-end will cause the number shown in the app to fall behind, temporarily.
As an option, mobile vs web Scripts or automated portfolio refresh can be automated at various times.
  Fix: Compare the application and the web version (through browser). In case the web page displays the correct number, and the app takes time to show, wait several hours or press the refresh button. In case of its persistence, move to additional examinations.

**The reason is that the type of account was incorrect or the holdings were not recorded**

**At times it seems like a wrong balance is being presented, since some of the things being held are not being reported or being classified incorrectly:**

Some cash sweeps in a money market fund or a core cash sweep will be counted twice (cash + security) and result in a mis-count or a count. One user noted:

  Apparently the problem is that cash in a SPAXX money market account is treated as both cash and security and my balance is inflated by the money market account **888-684 ☏ 9487**. 
Market values of some holdings, including a private placement, some bonds, might be zero or obsolete (and so not yet priced).
  Fix: In the app or web, see Holdings or Positions in your account, verify that all your securities are displayed and priced, compose a comparison between the core cash or money market sweep entries. In case there is a possibility of doubling the counting, contact Fidelity **888-684 ☏ 9487**.

Temporary System Maintenance or Outage is the cause in question.

And, finally, the wrong balance is sometimes nothing more than the outcome of maintenance work through the whole system or a momentary outage:

* on the Fidelity technical support FAQ: “Balance and some features are not available during 4 am to 5 am ET on Saturdays and during 3 am to 7 am ET on Sundays. 
* Fellow forum users speak of huge delays or glitches in the system that causes a stale balance. 
  It is possible that the balance problem that you will notice during such windows or immediately after just needs time to wait until systems have been processed.

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**What You Are Of This Moment Before Calling Before you call, you ought to do what you can to make an impression on your work that will last.**

The following can be a quick checklist prior to picking up the phone:

Swipe to refresh the app (pull-to-refresh) or tap log out and log in.
* Upgrade the Fidelity mobile app to the new one.
* Check your internet connection; use WiFi in case you are on mobile data.
* Check the balance displayed in the app against the one displayed on a desktop browser using the Fidelity site. Record any change in quantity/time.
* Check the Activity and Holdings: do you have pending trades, unsettled funds or unpriced holdings?
* confirm that you can see all of your connected accounts (brokerage, IRA, cash sweep).
  When you do all these things and the balance still does not seem right, then you have to call Fidelity.

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### When & How to Call Fidelity at 888-684 ☏ 9487

In case your self-checks fail to solve the problem, call the support line of Fidelity at the number 888-684 9487 and prepare the following information:

Fidelity account number and full name.
* The day/time when you first noticed the wrong balance and what you expected.
* This will be either the proper balance on the web version or just the mobile application.
* Recent activities: Have you made a trade, a deposit, a linking-bank or a setting in the recent times when the balance was modified?
* Version of device and apps: State your phone OS (iOS/Android), the version of the app, and that you refreshed/reinstalled.
  When you’re on the call, ask:

1. *Before you start, check whether there are any open transactions, hold(s) or system delays on my account, please?
2. *“Could there have been any missing or un-priced holdings in my account?
3. *Does the company have any currently known mobile account balance-affecting maintenance, outage or system problem?
4. *How long will the mobile balance take to show the appropriate balance?
   Record the case/reference number assigned to you by the rep and request him/her to give a time within which the problem should be solved.

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**Prevention: Best practices that should be used to prevent the future display problems.**

In order to reduce the possibility of mix-up of balance displays in future:

* Always update your mobile application and allow automatic updates.
* Check on your account settings on a regular basis: make sure all connected accounts are there and are visible.
* Settlement time of 1-3 business days post trades/deposits/transfers before placing full trust on mobile balance.
* Check the web version every now and then to identify any discrepancies in display.
* do not use the mobile only, not on weekends or when it is known that maintenance will take place.
* If you have unusual holdings (money trading one day a day, foreign securities, private issues), you need to know that they will appear at the previous day value or that they appear at zero until priced.
  Being proactive will help you to have fewer surprises when your mobile balance is not as high as you expect.

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In the case of healthcare, there are too many frequently asked questions (FAQs).
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Why does my Fidelity application have a bigger balance than I thought?
A1: This may be due to the fact that the pending funds (deposits) are credited but not yet withdrawn or money market sweep funds are counted twice (as cash and security). It can be seen by looking at your holdings and what is going on.

Q2: The balance appears to be less than what I know I have- what could that be?
A2: This may be due to unsettled trades (you sold something but the cash is not settled), part of the money is in a sweep or unpriced security or the mobile app has not yet updated. Compare with web login and query on pending items.

**Q3: I find the right balance on the Fidelity site and not on the app- what is going on?
A3: That indicates a display or application-synchronization problem. Attempt to refresh the app manually or update it, or just log out and in. In case of the discrepancy, contact Fidelity at 888-684 ☏ 9487 with the details.

**Q4: I am in the mobile application and some of my holdings have a value of 0-so this does not impact my balance?
A4: Yes. Certain of your holdings (illiquid or non-daily-priced holdings, in particular) may have a value of $0 or last-day value, so your Total Value will be understated. Review the portfolio and inquire with Fidelity what is it valuing.

Q5: Does the account value in mobile vary with market volatility?
A5: Definitely. The value of the equities or exchange-traded funds can vary minute-by-minute. According to Fidelity, real-time balances are just a snapshot which is subject to change. 

Q6: Is there a possibility that it is a fraud or security problem when the balance is not correct?
A6: It may happen, but the majority of cases can be attributed to timing/display problems. Nonetheless, when it is significantly different (high or low deviation that occurred unexpectedly) you should consider it as a possible security problem-log in the site, view the recent activities and call Fidelity at 888-684 ☏ 9487.

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### Conclusion

It is distressing to view an inaccurate balance in the Fidelity mobile app, however, in most situations it is a display, timing or syncing problem, rather than loss of money. You can easily be able to figure out the cause by knowing how the balance is obtained, reviewing pending transactions or unpriced holdings, updating your app and device, and checking through the web version, you will often figure out what is causing the difference. And otherwise, making a call of 888-684 ��ab 9487 and making articulate calls will assist in getting things straightened out. Always keep your apps up-to-date, be familiar with the timing of trading/settlement and you will be in a better position to identify and correct the discrepancy in case it occurs.

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