Frequently asked questions

You can move cash between the same type of investment accounts on Chase.com and the Chase Mobile^® app. For example, John Smith’s Traditional IRA to John Smith’s Traditional IRA. We complete cash transfers between investment accounts in real time if you submit the transfer before the cutoff time on a business day. If the transaction requires approval, we’ll process it in real time as soon as it’s approved.

Please note that you cannot transfer money out of a full-service managed account online and should contact your advisor to do so.

Transfer funds

You can set up one-time or recurring contributions to your IRA on chase.com and the Chase Mobile^® app. You’ll have the option to make prior-year contributions before Tax Day. Contribute cash to your IRA.

You can also contribute by depositing a check using Chase QuickDeposit^℠ in the Chase Mobile^® app.

All retirement account distribution requests need to be manually approved. As soon as we approve it, we’ll process your transaction in real time.

For cash transfers between Chase bank accounts and J.P. Morgan investment accounts, funds will be available in your account on your scheduled transfer date.

Transfers from external bank accounts to J.P. Morgan investment accounts process within 1 to 3 business days.

No, we don't charge a fee to transfer funds into your account. However, your delivering institution may assess a fee to transfer funds. You should verify any fees with them prior to initiating the funds transfer request.

We don't charge fees to receive incoming wires. However, your delivering institution may assess a fee for sending the wire. You should verify any fees with them prior to initiating the wire transfer.

If you’re transferring funds from a Chase deposit (checking, savings or money market) account:

If you’re transferring funds from a non-Chase account, cutoff time is 4:30 PM ET and funds are typically available within 1 to 3 business days. If you submit a transfer after the cutoff time, it will be considered to have happened on the next business day.

Transfers involving money market mutual funds may be subject to other cutoff times mandated by the applicable mutual fund company, which may be earlier than 4:30 PM ET. For more information, please see the prospectus or call the telephone number on the front of your account statement.

These fund transfers are governed by the Transfer Agreement (PDF).

J.P. Morgan Wealth Management clients can typically transfer cash in real time between their investment accounts and their Chase bank accounts, allowing immediate access to funds if the transfer is submitted during business days before 4:30 PM ET. Otherwise, the transfer will be processed the next business day.

Most one-time, same-day cash transfers between J.P. Morgan investment accounts and Chase deposit accounts (checking, savings, or money market) are completed instantly. However, in rare cases, it may take up to one business day.

Yes, for most transfers submitted before the cutoff time on a business day, your funds will be immediately available to trade. However, in rare cases, it may take up to one business day.

To view your transfer status, go to your “Brokerage transfer activity” and filter for the investment account used for the transfer. We’ll also email you once we’ve completed your transfer.

While we process cash transfers in real time throughout the day, bank account transfer activity is updated when those transactions are hard-posted at approximately 11:59 PM ET.

You can view and edit, pause or cancel your repeating transfers to your investment accounts by going to your “Brokerage transfer activity” page.

Cash, stocks, ETFs, mutual funds, options or fixed income can be transferred from one brokerage account to another.

We’ll email you updates about your transfer. Plus, you can check the status of a transfer anytime by going to the Securities transfer activity page.