I hardly ever complain to a business, but when I can't access funds for over a trading week, and then have no access to sales, trades, or option premium until it is settled too, and then contact support that either can't add, can't understand simple call options, or can't understand the problem... its a complete waste of human employment. In addition, I will not trade there anymore because each deposit or trade has to cure (settle) 6 trade days before I can access funds. NO WAY!... The chat session was over one hour total. I was trying to close an option with sufficient cash in the account but could not for a couple of days. It expires today so it will close on its own, but the protocol that sets fidelity aside from all other brokerage firms is that you are promised to use unsettled cash as deposited, however the unsettled cash cannot actually be used in any way other than trading stocks above 3 dollars, otherwise even if you deposit more cash, that too can't be used for six trading days. Fidelity is not worth the trouble as none of my other accounts do that. I could not close a position until the days have passed because of it. One of the reps that helped me also did not understand how options worked; she thought selling an option cost me money and went above my balance; it didn't. Their customer service is comparable to robinhood... and they dont have any! I think because the money was transferred out of my account last friday, and won't settle until next monday, that they are investing your money and delaying the time for a week and a day. Because chase bank said they transferred it last weekend but its still not settled and not useable on anything other than buying stock above three dollars. Fidelity sux - BUYER BEWARE!