VIP Access is available only for Fidelity.com, NetBenefits, and the mobile app, so you'll only be prompted to enter your VIP code when accessing your account via these three channels. For all other Fidelity applications, you'll be prompted to enter just your username and password.
Note: If you use financial aggregators such as Quicken to view your accounts, enabling VIP Access may prevent the aggregator from updating your account information.