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Sweep Yields

Clients with investment accounts serviced by a J.P. Morgan advisor can earn a return on available cash balances by choosing to automatically sweep these balances into the JPMorgan Chase Deposit Account, a bank deposit sweep or one of the available money market fund sweeps. Availability of these sweep options is based on customer and/or account type and may depend on other eligibility criteria. The JPMorgan Chase Deposit Account may be distinguished as “J.P. Morgan Deposit Sweep,” or “Chase Deposit Sweep”, depending on where and how you opened your account. Rates and functionality are the same. Please review the JPMorgan Chase Deposit Account disclosure (PDF) for more information. For money market fund sweeps, the securities symbol is next to the name in the fund description. Additionally, some money market fund sweeps listed are not available for new accounts. Please contact your J.P. Morgan advisor or the service center handling your account with any additional questions.

The information above about Recent Yields for the JPMorgan Chase Deposit Account option and available money market funds is provided so that you can review the various sweep options you may have, which may, at times, pay a higher return than the interest rate paid on deposits at JPMCB. In selecting among your sweep options, it is important to note that JPMCB deposits provide the benefit of Federal Deposit Insurance Corporation ("FDIC") insurance (up to applicable limits) while money market funds have investment risk of various degrees and are not guaranteed or insured as to principal. If you have a J.P. Morgan advisor, you can discuss your cash options as the yields on respective cash options may change, depending on market conditions, at different times throughout the year.

FDIC Insurance

Deposits held at JPMCB are insured by the FDIC up to applicable limits. For bank deposits, the FDIC limit is $250,000 per depositor in each insurable capacity. All deposits (including CDs) maintained in the same legal capacity directly with JPMCB or through an intermediary (such as another broker) will be aggregated for purposes of the $250,000 limit, whether the account is part of the JPMorgan Chase Deposit Account or established directly with JPMCB. You are responsible for monitoring the total amount of deposits that you have with JPMCB in order to determine the extent to which your deposits are covered by deposit insurance.

Benefits to JPMorgan Chase Bank, N.A. Deposits held at JPMCB, including those held in the JPMorgan Chase Deposit Account, are financially beneficial to JPMCB and its affiliates. For example, JPMCB uses bank deposits to fund current and new lending, investment and other business activities. Like other depository institutions, the profitability of JPMCB is determined in large part by the difference between the interest paid and other costs incurred by them on bank deposits, and the interest or other income earned on their loans, investments and other assets. The deposits provide a stable source of funding for JPMCB and borrowing costs incurred to fund the business activities of JPMCB have been reduced by the use of deposits from brokerage clients.

Other Information

You may contact your J.P. Morgan Advisor or the appropriate service center at the telephone number on your account statement.

LEARN MORE ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.

To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS (PDF) and Guide to Investment Services and Brokerage Products.

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Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.

JPMorgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.

Asset allocation/diversification does not guarantee a profit or protect against a loss.

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Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS ARE:

  • NOT FDIC INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES
  • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
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