Unlimited commission-free online trades
When you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money by 01/21/2027.
Get a cash bonus when you fund with as little as $5,000
$50
When you fund or roll over $5,000–$24,999
$150
When you fund or roll over $25,000–$99,999
$325
When you fund or roll over $100,000–$249,999
$1,000
When you fund or roll over $250,000 or more
Take 3 steps to collect your bonus
1. Open
Open a J.P. Morgan Self-Directed Investing account through this page by 01/21/2027.
2. Fund
You have 45 days to fund your account with qualifying new money (cash, transferring securities or rolling over existing retirement assets). Your bonus will be determined on day 45.
3. Earn
Maintain your new funds at 90 days from enrollment and enjoy your bonus—we'll add it directly into your account within 15 days.
Get commission-free online trades
Bank and invest in one place
Get the best of banking and investing—all on the Chase Mobile® app or at chase.com with instant money transfers. Plus, redeem Ultimate Rewards® points for cash to invest.
Invest in any amount
You can buy fractional shares in thousands of stocks and ETFs with as little as $5.
Thousands of investments
Trade stocks and ETFs from 7:30 AM to 5:45 PM ET, plus options, mutual funds, money market funds, treasuries and more.
Set it and forget it
Autoinvest in stocks, ETFs and mutual funds by choosing the amount, frequency and timing that fits your schedule, with the flexibility to adjust your plan when needed.
Open your account today and earn up to $1,000 with qualifying funds.
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Frequently asked questions
Yes, you can transfer eligible retirement assets (such as an IRA or old 401(k)) into your J.P. Morgan Self-Directed Investing account. To help keep the move tax-advantaged, you may be able to complete a direct rollover for an old employer plan, or an IRA-to-IRA transfer, typically into the matching account type (for example, Traditional IRA to Traditional IRA or Roth IRA to Roth IRA). This can help avoid withholding and reduce the risk of unintended taxes.
- To earn a bonus, open a new J.P. Morgan Self-Directed Investing account and add at least $5,000 in qualifying new money from outside JPMorganChase within 45 days.
- After 45 days, your bonus will be determined by how much qualifying new money you added:
- $5,000–$24,999 earns you $50
- $25,000–$99,999 earns you $150
- $100,000–$249,999 earns you $325
- $250,000 or more earns you $1,000
- Maintain the new money in your account for 90 days (market losses don't count against you).
Your bonus will be added to your account within 15 days after meeting these conditions. This offer is limited to one bonus per customer per year.
Qualifying new money comes from moving cash, transferring securities (e.g., stocks, ETFs, mutual funds, fixed income and others) or rolling over existing retirement assets (e.g., IRA, 401(k)) from another institution within 45 days of account opening. These assets qualify as net new money and can be transferred in-kind, meaning they are not sold and no taxes are triggered. Assets transferred from JPMorganChase or its affiliates are not eligible.
You can fund your Self-Directed Investing account by moving cash, transferring investments or rolling over existing retirement assets from another financial institution.
Moving external assets to J.P. Morgan is easy with our online transfer tool on Chase.com or on the Chase Mobile® app. Here's how:
- Go to Investments by J.P. Morgan, select your new Self-Directed Investing account and select "Fund your account."
- Choose between transferring money, securities or rolling over an IRA, old 401(k) or other employer plans.
- Please note that certain securities are not eligible to be transferred online and must be sold before submitting your request.
- When rolling over a 401(k), you may need to contact your current plan administrator and have them make the check payable to "J.P. Morgan Securities LLC." Use the Chase QuickDeposit℠ tool on the Chase Mobile® app for added convenience.
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 (such as 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.
Traditional IRAs
- Tax benefits: Contributions may be tax-deductible, which can reduce your taxable income for the tax year to which the contribution applies.
- Growth: Earnings grow tax-deferred, meaning you don't pay taxes on them until you withdraw.
- Withdrawals: Withdrawals are taxed as ordinary income. Required minimum distributions start at age 73. If you are under age 59 1/2 you may have to pay an additional 10% tax for early withdrawal.
Roth IRAs
- Tax benefits: Contributions are made with after-tax dollars and are not tax-deductible, but qualified distributions are tax-free.
- Growth: Earnings grow tax-free, providing potential tax-free income in retirement.
- Withdrawals: Contributions can be withdrawn anytime without penalties. There are no required minimum distributions, but if you are under age 59 ½ you may have to pay an additional 10% tax for early withdrawal.
Eligible customers typically receive the bonus within 15 days after meeting the offer requirements, including funding the account with qualifying new money and maintaining the balance for the required period.
Find more answers about Self-Directed Investing.