name: reference-fidelity-recurring-transfers description: The three Fidelity MoneyLine (FID BKG SVC) monthly auto-investments and what each destination is; intentional, not duplicate subscriptions type: reference
Fidelity MoneyLine auto-investments (FID BKG SVC)¶
Three separate, intentional monthly ACH auto-investments leave Personal Checking (0351) to Fidelity on the 1st of each month. They appear in finance.db as FID BKG SVC LLC MONEYLINE PPD ID: ... and collapse to the single recurring key FID BKG SVC, so the subscriptions tracker only ever surfaced one. They are NOT duplicates or waste; each funds a different account:
| Amount | Destination |
|---|---|
| $250/mo | Joint brokerage |
| $150/mo | Justin's Roth |
| $100/mo → $150/mo | Krystal's Roth (bumped from $100 to $150 ~Jun 2026) |
Ran $250 / $150 / $100 monthly Nov 2024 → Jun 2026. Going forward the total to Fidelity is $550/mo ($250 + $150 + $150).
Tracker limitation¶
The bank feed cannot distinguish the two $150/mo transfers (Justin's Roth vs Krystal's Roth): same payee, same amount, same masked PPD ID. So once Krystal's became $150, auto-detection sees one "$150 x2/mo" series, not two. These need explicit/manual labeling in the recurring tracker, not auto-detection. Same root issue as [[reference-finances-icon-persistence]] (merchant-key normalization collapses distinct items); a (merchant+amount) re-key would split $250/$150 but still merge the two $150s.
[Claude Code]