To see the customer horror story when fraud occurs on a Fidelity branded debit card (issued by BNY Mellon) see Bogle Heads:
https://www.bogleheads.org/forum/vie...94337#p2794337


The Fidelity cash accounts are held by UMB Bank, the debit functions are serviced by BNY Mellon, and the cards are issued by PNC under contract to BNY Mellon. (BNY Mellon purchased most of the PNC Financial Service Group in 2010, but did not acquire the debit card system). If you need help with your Fidelity debit card, you can only talk to BNY Mellon, Fidelity reps will direct you to BNY.

Schwab is simpler. Schwab bank, Schwab debit card, Schwab account, Schwab employee answers the debit card phone line.