An exciting new destination for your spending accounts – Fidelity

We’re here to support you through every step of the transition



American is committed to your financial well-being and offering an enhanced team member experience, including how you view and manage all of your American Airlines-sponsored accounts. American has chosen Fidelity Investments as the service administrator for all spending and commuter accounts, effective Jan. 1, 2024.


If you are an active team member, your spending and commuter accounts are now at Fidelity. You may continue to reference this site for relevant transition information and resources.



Learn more about Fidelity

Fidelity offers a range of accounts, investments and resources to help with your overall financial goals. With Fidelity, you have access to:

  • An integrated account experience, so you can view your spending accounts, 401(k) and pension, if applicable, all under one login.
  • Excellent service with easy-to-use tools and applications to help you plan, evaluate and track your finances so you’re always in the know.
  • The No. 1 health savings account (HSA) among 10 of the largest HSA providers.1
  • A broad range of investment options and offerings with low fees.2
  • A $0 investment minimum for the HSA, meaning you can start investing with your first dollar ($1).

Accounts transitioning to Fidelity

For retired team members with RHRA(s), the transition will occur April 1, 2024.

For active team members, the transition on Jan. 1, 2024, included the following accounts:

  • Health savings account (HSA).
  • Flexible spending account (FSA).
    • Health care FSA (HCFSA).
    • Limited purpose FSA (LPFSA).
    • Dependent care FSA (DCFSA).
  • Reimbursement arrangement.
    • Health reimbursement arrangement (HRA).
    • Retiree health reimbursement arrangement(s) (RHRA(s)).
  • Commuter account.



Key dates

If you are a retiree and have RHRA(s) transitioning to Fidelity, or are an active team member with a flexible spending account — whether an HCFSA, LPFSA or DCFSA — below is an overview of upcoming need-to-know dates.



Important dates

RHRA(s) for retirees

Learn more >

  • Feb. 22, 2024, at 11:59 p.m. CT: Last day to use your Alight Smart-Choice Accounts debit card before the RHRA blackout period begins.
  • Feb. 29, 2024–March 31, 2024: RHRA blackout period, during which you will not be able to access your existing RHRA credits. Please plan accordingly for any expected expenses. You will be able to reimburse yourself for eligible expenses after the blackout has ended.
  • April 1, 2024: The transition of your RHRA is complete and the blackout period has ended. Your credits are now available at Fidelity, and you can reimburse yourself for any incurred eligible expenses.
FSAs for active team members

Learn more >

  • March 15, 2024: Last day you can incur eligible dependent care expenses for your 2023 DCFSA.
  • March 31, 2024: Deadline to submit any reimbursements to Alight Smart-Choice Accounts through the Benefits Service Center for expenses incurred in 2023.
  • April 1, 2024–May 2, 2024: HCFSA and LPFSA blackout period, during which you will no longer be able to use your 2023 funds for reimbursement or access any carryover funds from your 2023 HCFSA or LPFSA. During this period, you will be able to access your 2024 contributions.
  • May 3, 2024: Date on which your 2023 HCFSA or LPFSA carryover funds will be available at Fidelity.

Explore your accounts

Take some time to learn about how the transition will impact each type of spending account.


If you are a retired team member, visit the Retiree Transition page.


If you are an active team member, visit the following pages:


FSAs >

HRAs >

Commuter account >


Key dates

There are important dates to be aware of throughout the transition to Fidelity, including blackout dates and when you may have access to transitioned account balances. 


Review the key dates page carefully for the dates affecting your accounts.

See the timeline >


We understand you may have some questions regarding your account transition experience. 


Explore the FAQ page for detailed answers to commonly asked questions. The FAQs are broken down by account for easy reading.

Learn more >

Additional resources

Learn more about your new Fidelity NetBenefits® experience, how to use your new accounts and where to go with questions.

1Morningstar rated 10 retail HSA providers for HSAs as a spending account to cover current medical costs and HSAs as an investment account to save for future medical expenses. Results published in “2019 Health Savings Account Landscape,” “2020 Health Savings Account Landscape,” “2021 Health Savings Account Landscape” and “2022 Health Savings Account Landscape.” These ratings are applicable to the Fidelity HSA® only.

2 Investor’s Business Daily identified the best HSAs based on account features, customer reviews and benefit consultants’ input. Fidelity HSA was ranked the best in widest investment options, low fees, savings rates, zero investment threshold and access to professional management as of Nov. 14, 2022.