Earn more on your cash with J.P. Morgan Premium Deposit
J.P. Morgan Premium Deposit offers an attractive yield on your cash, FDIC insurance and same-day availability—so you can move quickly on investment opportunities or major purchases when you're ready.
3.60% APY as of 09/28/2026
With qualifying deposits and/or investments of $1,000,000 or more across JPMorganChase accounts
3.20% APY as of 09/28/2026
With qualifying deposits and/or investments of less than $1,000,000 across JPMorganChase accounts
Partnering with a J.P. Morgan Wealth Partner or Wealth Advisor? Your J.P. Morgan Premium Deposit currently earns 3.20% APY, regardless of your deposit and/or investment balance.
Get started with J.P. Morgan Premium Deposit
FDIC-insured
Your deposits are FDIC-insured up to the allowable limits. Your money is held with one of the world's leading financial firms.
Same-day availability
Access your cash when you need it—whether you're making a large purchase or acting on a market opportunity.
No fees
There are no transaction or withdrawal fees associated with Premium Deposit.
Choose an experience to access Premium Deposit
Invest on your own
Build your own portfolio with unlimited $0 commission online trades across thousands of investments, plus interactive tools and instant money transfers, all in the Chase Mobile® app or at chase.com. Learn more
For full details, see disclosure (PDF) and fact sheet (PDF). J.P. Morgan Premium Deposit for Self-Directed Investing requires an initial minimum deposit of $50,000.
Invest with our advisors
Partner one-on-one with a dedicated local advisor who gets to know you, your family and your goals in order to design a comprehensive and personalized strategy. Learn more
For full details, see disclosure (PDF) and fact sheet (PDF). J.P. Morgan Premium Deposit with an advisor requires an initial minimum deposit of $100,000.
Frequently asked questions
Self-Directed Investing clients (excluding IRA and margin accounts) have access to J.P. Morgan Premium Deposit for Self-Directed Investing. Here's how you can use it:
- Access: Go to your investments dashboard and select the "Trade" icon to access J.P. Morgan Premium Deposit for Self-Directed Investing.
- Set amount: Indicate the amount you want to place in J.P. Morgan Premium Deposit for Self-Directed Investing. The initial minimum deposit is $50,000.
- Monitor: View your J.P. Morgan Premium Deposit for Self-Directed Investing (JPMPD) alongside your investment positions.
Your cash is FDIC-insured and available to withdraw same-day.
If you would like to invest with a J.P. Morgan advisor, fill out this form or contact your advisor.
If you're partnering with a J.P Morgan Wealth Partner or Wealth Advisor, your J.P. Morgan Premium Deposit rate and requirements may look different. For full details, see our disclosure (PDF) and product fact sheet (PDF) or contact your advisor to learn more.
The rate paid on balances in J.P. Morgan Premium Deposit is determined by JPMorgan Chase Bank, N.A. based on the overall rate environment and competitive landscape, but it may change at any time according to prevailing market rates and other economic conditions.
J.P. Morgan Premium Deposit for Self-Directed Investing or accessed through a J.P. Morgan Private Client Advisor, features a two-tier interest rate structure that varies according to the total value of your combined deposits and investments ("D&I") held at Chase Bank and/or JPMS. Generally, clients with $1,000,000 or more in eligible balances qualify for a higher interest rate tier than those with lower balances. Balances are calculated weekly, and your interest rate tier may change weekly based on deposits, withdrawals and market activity. To understand how interest rates are calculated and details on qualifying Chase Bank and JPMS accounts, please refer to the J.P. Morgan Premium Deposit disclosures.
J.P. Morgan Premium Deposit provides same-day availability if you enter transactions before 4:00 PM ET on a business day. If you submit a transaction after 4:00 PM ET, it will be available the next business day.
Please note, this product is not intended for clients who need access to funds to pay for daily or recurring expenses or to settle trades on a frequent basis. J.P. Morgan Premium Deposit is not a sweep and funds will not be automatically accessed to settle trade activity or to reduce a debit or margin loan on your eligible account. Transfers from J.P. Morgan Wealth Management brokerage accounts to any bank account will be subject to current procedures and time frames. Make sure you have enough lead time to withdraw funds from J.P. Morgan Premium Deposit for transfers, wires or other transactions.
J.P. Morgan Premium Deposit balances will show in the fixed income section of your account and will be reported as such on your monthly brokerage account statements. Find monthly account statements online and on the mobile app. All transaction activity—deposits, withdrawals and interest payments—will also be reflected alongside other investment-related activity. You won't receive a separate statement from JPMorgan Chase Bank, N.A. for balances held in J.P. Morgan Premium Deposit. Additionally, income received through balances in J.P. Morgan Premium Deposit is fully taxable. J.P. Morgan Premium Deposit is available for purchase in individual, joint or trust general investment accounts. Retirement and margin accounts are not eligible.