Transferring money FAQs

You can move money between your J.P. Morgan Self-Directed Investing accounts, or from a J.P. Morgan Self-Directed Investing to a J.P. Morgan Automated Investing account. We complete cash transfers between investment accounts in real time. If the transaction requires approval, we’ll process it in real time as soon as it is approved.

However, because J.P. Morgan Automated Investing are managed, you can’t move money directly from a J.P. Morgan Automated Investing account to another Investment account.

Please note: Private Bank and J.P. Morgan Securities clients cannot transfer funds directly from a J.P. Morgan Self-Directed Investing account to a J.P. Morgan Automated Investing account online.

You can set up one-time or repeating contributions to your IRA at chase.com: 

1. On your Accounts page, go to the menu bar and open the “Pay & transfer” menu. 
2. Choose “Transfer money.”
3. Choose the account you want to withdraw the money from, and the IRA you want to contribute it to. 
4. Fill in the rest of the information to set up your contribution, and choose “Next." 
5. If everything looks good, choose “Transfer money.”

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

We’ll process any upcoming transaction in real time on the day it’s scheduled for transfer.

We’ll process any upcoming transaction in real time on the day it’s scheduled for transfer.

No. We don't charge a fee. 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. 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 account: For transactions submitted before 4:30 PM ET, your money will be available immediately. (Transactions that require approval will be immediately available as soon as they’re approved.) For transactions submitted after 4:30 PM ET, your money will be available on the next business day at or about 5 AM ET.

If you’re transferring funds from a non-Chase account: For transactions submitted before 4:30 PM ET, your money will be available on the next business day at or about 5:01 PM ET. For transactions submitted after 4:30 PM ET, your money will be available in 2 business days at or about 5:01 PM ET.

Transfers from accounts with a money fund sweep are subject to the money fund cutoff, which may be earlier than the established cutoff for that transaction type.

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

Chase investments clients can transfer cash in real time between their investment accounts and their Chase bank accounts, making it simple to receive and use funds immediately.

For J.P. Morgan Self-Directed Investing: We complete all one-time, same-day cash transfers between J.P. Morgan investment accounts and Chase deposit accounts (checking, savings or money market) as soon as you authorize them.  

For J.P. Morgan Automated Investing: We complete one-time, same-day cash transfers from your Chase deposit account and your J.P. Morgan investment accounts into your J.P. Morgan Automated Investing account as soon as you authorize them.

We can start transferring your funds in real time as soon as your account is approved and opened.

Keep in mind: J.P. Morgan Automated Investing accounts are approved on business days only.

Private Bank and J.P. Morgan Securities clients cannot fund their account during the account opening process. 

You can request a one-time, same-day cash transfer on any business day from 5 AM to 4:30 PM ET or the money fund cutoff, whichever is earlier. (Transfer requests for accounts with a money fund sweep are subject to the money fund cutoff, which may be earlier than the established cutoff for that transaction type).

Keep in mind: Transfers from a J.P. Morgan Automated Investing account to your Chase bank account take 4 to 5 business days.

Yes, with real time processing your funds will be immediately available to trade.

We complete transfers to J.P. Morgan Self-Directed Investing accounts in real time, and your funds are immediately available to withdraw. 

Although transfers to J.P. Morgan Automated Investing accounts are also completed in real time, your funds take 4 to 5 business days to become available for withdrawal.

To confirm that the transfer was posted to your account, go to your Brokerage transfer activity and check the transaction status. 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.

It’s automatic transfers from your Chase checking account to your Chase savings account or taxable investment account. You choose how much money to transfer and when you want to transfer it—whether that's daily, on a schedule or whenever you get a deposit.

If you transfer to J.P. Morgan Self-Directed Investing or an account handled by a J.P. Morgan advisor, your money will remain in cash until you invest it.

With J.P. Morgan Automated Investing, your money will be automatically invested when your portfolio rebalances, which typically happens the next business day.

You can use Autosave & Investing if you have at least 1 personal Chase checking account or Chase Liquid^® card and at least 1 personal Chase savings account or at least 1 eligible taxable investment account. You also need to have read and agreed to the terms and conditions of the Transfers legal agreement, and have the latest version of the Chase Mobile^® app (if you'd like to use Autosave & Investing on your mobile device).

You can sign in to the Chase Mobile^® app and scroll to the bottom of the My Accounts dashboard, where you'll see the Autosave & Investing icon. You can also go to chase.com, where you'll find Autosave & Investing on the Accounts dashboard.

We’ve made it simple to transfer securities and/or cash from an external financial institution to your J.P. Morgan investment account. 

You can set up an account transfer at chase.com: 

Transfer securities from your external account.

We may require an account statement for certain transfers. We’ll let you know if this is needed once you get started.

Keep in mind: We'll sell any securities transferred to your J.P. Morgan Automated Investing account that aren't part of the model portfolio assigned to your account, and we'll use the proceeds to fund your portfolio.  

Ineligible securities include: Cash overdrafts, annuity contracts, short security positions, options, physically held securities, notional investments/memo positions (e.g. CDS, TBA contracts, and time deposits), penny stocks, alternative investments, legal documents/contracts, partnership shares, margin balances, and structured notes. 

There are different kinds of rollovers. In a direct rollover, assets from your employer-sponsored qualified retirement plan–e.g., a 401(k), 403(b) or 457(b) account–are paid directly to the receiving IRA on your behalf (as the plan participant/employee). In an indirect rollover, the plan distributes the assets to you (the participant/employee), and you have 60 days after receiving the funds to roll them over to an IRA or other eligible retirement plan. (Keep in mind: Unlike IRA-to-IRA rollovers, you can roll over assets from an employer-sponsored retirement plan more than once every 12 months.) 

When you’re reviewing your available options for your retirement plan assets, evaluate the investment and non-investment considerations we describe in “Making Informed Rollover Decisions” (PDF). You should consult with the plan administrator and a professional tax advisor before making any decisions about your retirement assets.

For step-by-step instructions, see our guide on how to roll over retirement assets.

As further described below, you can roll over assets distributed from an IRA (indirectly) and from an employer-sponsored qualified retirement plan (e.g., 401(k), 403(b) or 457(b)) account (directly or indirectly).

• Direct rollover—If you’re getting a distribution from an employer-sponsored qualified retirement plan, you can ask your plan administrator to make the payment directly to another eligible retirement plan or to an IRA. Contact your plan administrator for instructions. The administrator may issue your distribution in the form of a check made payable to your new account. No taxes will be withheld from your rollover amount.
• Trustee-to-trustee transfer—If you’re getting a distribution from an IRA, you can ask the financial institution holding your IRA to make the payment directly from your IRA to another IRA or to an eligible retirement plan. No taxes will be withheld from your transfer amount.
• Indirect/60-day rollover—If a distribution from an IRA or a qualified retirement plan is paid directly to you, you can deposit all or a portion of it in an IRA or eligible retirement plan within 60 calendar days. Taxes will be withheld from an eligible rollover distribution from a qualified retirement plan, so you’ll have to use other funds to roll over the full amount of the distribution.

Yes, generally speaking you can combine rollovers and contributions in the same IRA. However, Traditional IRA dollars and Roth IRA dollars must be kept in separate accounts.

To roll over your IRA, first open a J.P. Morgan Self-Directed Investing IRA or Self-Directed Investing Roth IRA. Once your account is open, go to our Brokerage Forms and choose “Account Transfer Form” under “Money & Asset Transfer." Complete the form and send it to the address provided. If you’d like help, you can call us at 1-800-392-5749, Monday-Friday 8 AM – 9 PM and Saturday 9 AM – 5 PM ET.

Learn more about how to roll over funds to a J.P. Morgan IRA. 

If you’re interested in opening a managed retirement account, please go to your local Chase branch and speak with a J.P. Morgan advisor.

To convert your J.P. Morgan Self-Directed Investing IRA to a J.P. Morgan Self-Directed Investing 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 8 AM – 9 PM and Saturday 9 AM – 5 PM ET.

If you have a managed retirement account, please work directly with your J.P. Morgan advisor to convert your account.

There are some assets that can’t be transferred to J.P. Morgan Securities. 

For Investments by J.P. Morgan accounts, the following securities (which may change at any time) are NOT eligible for transfer: 

• Cash overdrafts 
• Annuity contracts 
• Short security positions 
• Physically held securities 
• Notional investments/memo positions (e.g., CDS, TBA contracts, time deposits) 
• Penny stocks 
• Alternative investments (includes any non-publicly traded stock or bond) 
• Legal documents/contracts 
• Partnership shares 
• Margin balances 
• Structured notes 

You cannot trade, transfer or hold digital assets, including but not limited to cryptocurrency such as Bitcoin, Ethereum and others on the platform.

If you try to transfer any of these, we may have to cancel the whole transfer request.

For J.P. Morgan Automated Investing accounts: If you have securities that aren’t in the J.P. Morgan Automated Investing model, we’ll sell them for cash to invest into your account, or ask you to transfer them to a J.P. Morgan Self-Directed Investing or other brokerage account if they’re eligible.

Yes, you may roll over an existing IRA to your J.P. Morgan Investments by J.P. Morgan IRA. You can get started by opening an IRA here.

It'll take about 3 to 5 business days to complete the transfer of your account if it is between ACAT eligible institutions. It can take between 7 to 30 calendar days if the transfer is between non-ACAT eligible institutions. We'll notify you by e-mail each time 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.

No, we don’t charge a fee for transfers. However, the institution that you’re moving assets out of may charge a fee, so you should check with them before scheduling a transfer. 

Learn more about different ways to fund your account.

Your plan administrator and/or a professional tax advisor can help you make an informed decision about your retirement assets. Together you can evaluate your options in light of your priorities to help identify which one is most suitable for your situation.

Yes, you can transfer an external investment account (either the entire account or particular securities) to your J.P. Morgan Automated Investing account. We’ll sell transferred securities for cash to invest into your account. The sale of these securities could result in redemption charges and/or create a taxable event. If a security cannot be sold off, it will need to be moved to a J.P. Morgan Self-Directed Investing or other brokerage account.

Currently, you can only transfer cash between like titled brokerage accounts, which means the ownership and account title are the same (e.g., your Roth IRA to your Roth IRA, your traditional IRA to your traditional IRA, your individual brokerage account to your individual brokerage account and your joint account to your joint account).

At this time, these types of transactions cannot be performed online. Please call customer service for assistance.

The following types of journals are allowed (held in USD):

• Transferring a partial quantity of an available security position or cash balance from one Chase brokerage account to another.
• Transferring the full quantity of an available security position or cash balance from one Chase brokerage account to another.
• Transferring an all cash balance from one Chase brokerage account to another.
• Transferring all securities only from one Chase brokerage account to another.

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

Choose "Pay & transfer", "Payment activity" and "Securities transfers" within brokerage transfers to find all of your past and pending transfer requests.

All ineligible securities (such as securities residing in margin, dividends, non-purpose loan accounts or securities in non-USD) are currently not available for online transfer.