Funding your account with transfers and rollovers
Move cash, transfer investments and roll over retirement assets into your J.P. Morgan investment account. Don’t have an account yet? Get started.
Learn how to transfer investments, including an IRA, from J.P. Morgan or external accounts
Consider consolidating your investment portfolio by transferring your IRA, brokerage or other investment accounts into a J.P. Morgan account. Don’t have an eligible investment account? Get started here.
From an external investment account
Requirements:
- To transfer online, you need:
- Your username and password for the account you are transferring from
- A copy of your external account statement dated within the last 90 days.
- Transfer requests that exceed account balance minimums may be rejected by your external firm. Please check with your external firm about these limits before initiating a request.
- You can only make transfers between accounts of the same type that have the same owner. For example, John Smith’s Traditional IRA to John Smith’s Traditional IRA.
- If you have a check issued by another financial institution using funds from your IRA, you can use Chase QuickDeposit℠ in the Chase Mobile® app and choose the "Direct Transfer" option.
Timeline:
- Online transfers from external investment accounts typically take 3 to 5 business days. Transfers that require additional information or are paper-based may take 20 business days or longer. You can track your incoming transfer at any time on the Securities transfer activity page.
Things to consider:
- We support online transfers for the following account types: Individual, Roth IRA, Traditional IRA, Beneficiary IRA, Trust, Joint (with Rights of Survivorship only) and UTMA.
- For all other account types—including joint accounts—print, sign and mail a completed Account Transfer Form (PDF), with an account statement from the external firm dated within the last 90 days.
Between J.P. Morgan investment accounts
Requirements:
- You’ll need at least two eligible J.P. Morgan investment accounts to initiate an internal securities transfer.
- You can only make transfers between IRAs of the same type that have the same owner.
Timeline
- Internal investment account transfers are typically completed in less than 1 business day.
Things to consider
- Some accounts are not eligible for online transfers. For these accounts, please complete a Transfer Between JPMS Investment Accounts (PDF) form—do not use this form to request a transfer between retirement and taxable accounts.
Frequently asked questions about investment transfers
No, J.P. Morgan doesn’t charge fees for transfers. However, the institution that you’re moving assets out of may charge a fee. You should check with them before scheduling a transfer.
Additionally, while J.P. Morgan doesn’t charge fees for the transfer itself, there may be fees associated with the products and services related to your account after the transfer. To learn more, please refer to our Guide to Investment Services and Brokerage Products (PDF).
We’ll make sure to email you updates about your transfer. Plus, you can check the status of a transfer anytime by going to the securities transfer activity page.
The following securities cannot be transferred online into a J.P. Morgan investment account:
- Annuities
- Caveat emptor and expert market securities
- Life insurance
- Futures
- Short security positions
- Physically held securities
- Cryptocurrencies
- Foreign currencies
- Securities sold exclusively by your prior firm
If you try to transfer any of these, we may have to cancel the entire transfer request.
To convert your J.P. Morgan Traditional IRA to a J.P. Morgan Roth IRA, go to our Brokerage Forms page and choose "Roth Conversion." Complete the form and send it to the address provided. There are eligibility requirements for a Roth IRA so make sure you speak to your tax advisor. If you need help, you can call us at 1-800-392-5749, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET.
If you have a J.P. Morgan advisor, please work with them directly to convert your account.
It typically takes 3 to 5 business days to complete transfers between ACAT-eligible institutions. For non-ACAT institutions, transfers can take 7 to 20 business days once all paperwork is received. We'll notify you by email about the status of your transfer changes.
Note: The ACAT (Automated Customer Account Transfer) service is a system that facilitates the transfer of securities from one investment account at a financial institution to another financial institution.
Typically, digital transfers of investments from a J.P. Morgan or external investment account to another investment account are considered non-taxable events and do not have tax implications. However, certain exceptions may apply, such as transfers between different account types (e.g., IRA to a taxable brokerage account), or if specific assets (like some mutual funds, fractional shares, or non-publicly traded securities) cannot be transferred in-kind and must be sold.
For more details, please review the information provided during the transfer process or consult your tax advisor.
