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Opening your account FAQs

Opening your account

Frequently asked questions

Opening your account

What is You Invest Trade?

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A You Invest Trade brokerage account lets you trade stocks, bonds, mutual funds and exchange-traded funds (ETFs) online on your own. Learn more about what you can do with You Invest Trade.

 

See our step-by-step guide on how to open an account (PDF).

How can I open a You Invest Trade account?

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You can apply for a You Invest Trade account here.

Who is eligible to open a You Invest Trade account?

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To open a You Invest Trade account, you need to be at least 18 years old and have a valid Social Security number and a U.S. home address. We may also ask you for your valid driver's license or state-issued ID. Apply now.

What types of You Invest Trade accounts are offered?

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You Invest Trade offers several different kinds of brokerage and retirement accounts so you can achieve your goals:

 

  • Individual Brokerage Account
  • Joint Brokerage Account
  • Roth IRA
  • Traditional IRA

Learn more about You Invest Trade accounts or see our step-by-step guide on how to open your account (PDF)

What are the fees and commissions associated with a You Invest Trade account?

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You can learn more about fees and commissions associated with a You Invest Trade account here.

Is there a minimum amount needed to open a You Invest account?

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There is no minimum amount required to open a You Invest Trade account. Apply now.

Can I open a joint brokerage account online with You Invest Trade?

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Yes, with You Invest Trade you can open a joint brokerage account–shared by 2 account holders–on chase.com.

 

You Invest Trade offers 3 types of joint brokerage accounts: 

 

Joint Tenants with Rights of Survivorship (JTWROS): The most common account type. Both you and co-applicant will have equal interest in account assets. If an account holder dies, the ownership of the assets is retained by the surviving joint owner. This account is not available to Louisiana residents.

 

Joint Tenants in Common (TIC): You and co-applicant will have equal interest in account assets. If an account holder dies, their share of the assets will be inherited by their estate or beneficiary while the surviving tenant will continue to own their share.

 

Joint with Community Property (CP): An account for married couples. You and co-applicant will have equal interest in account assets. If an account holder dies, their assets will be inherited by their estate or beneficiary depending on the law of their home state. This account is available in Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. 

 

Learn more about joint accounts

 

See our step-by-step guide on how to open a joint You Invest Trade account (PDF).

For a You Invest Trade joint brokerage account, can my spouse and I use the same username and password?

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Each individual needs their own separate online Chase profile when opening a You Invest Trade joint brokerage account. If you’d like help retrieving your profile information, please call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM ET and Saturday from 9 AM to 5 PM ET.

I stopped halfway through my application for a You Invest Trade account. Was my progress saved?

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We save your application for several days. To continue working on your application, open the menu in the top left corner of your Chase dashboard. Under ‘Explore Products’, choose ‘Application status’, then choose ‘See your pending investment account applications’ to view your Application Status page.

I didn’t receive an email saying that my application for a You Invest Trade account was submitted. Did my application go through?

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First, open the menu in the top left corner of your Chase dashboard. Under ‘Explore Products’, select ‘Application status’, then select ‘See your pending investment account applications’ to view your Application Status page. If your application is not on the Application Status page and you haven’t received a submission email, then there may have been an error. If you need help, call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET, and tell us this code: NCSC-1014.

What is an individual retirement account (IRA)?

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An individual retirement account (IRA) is a type of account that you can use to hold assets for your retirement. You can set up either a traditional IRA or a Roth IRA. They have different tax benefits and different rules.

Apply to open a You Invest Trade IRA here.

To open a managed IRA assigned to a financial advisor, please go to your local Chase branch.

You can learn more about IRAs here (PDF).

If I have a Chase Business account, can I open a You Invest Trade account?

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You Invest Trade accounts can only be opened as personal accounts. To open a You Invest Trade account, apply here.

If you have questions, you can call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM ET and Saturday from 9 AM to 5 PM ET.

How long does it take to open a You Invest Trade account?

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We’ll review your application within 1 business day. We’ll reach out if we have any questions, and you’ll get an email notification when we’ve processed your application.

What is a Trusted Contact Person (TCP)?

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A Trusted Contact Person (TCP) is someone you authorize us to contact if we have questions about your health status or current contact information.  We may also contact your TCP about potential fraud or financial exploitation in connection with any of your accounts. A Trusted Contact Person is not a beneficiary and can’t make decisions about your account.

What is a beneficiary?

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A beneficiary inherits the assets held in an investment account in case of the account holder’s death. You can list multiple beneficiaries on your investment accounts. There are three types of beneficiaries:

  • An individual is a specific person who will receive the assets in your account.
  • An entity is an organization that will receive the assets in your account.
  • A trust that you have named in your will or in a trust agreement may inherit the assets.

What’s the difference between a Trusted Contact Person and a beneficiary?

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A Trusted Contact Person (TCP) is someone you authorize us to contact if we have any questions about your health status or current contact information. We may also contact your TCP about potential fraud or financial exploitation in connection with any of your accounts. A TCP can’t make decisions about your account.

A beneficiary is an individual, entity or trust that inherits your assets in case of your death.

Who can I call if I still have questions about You Invest Trade accounts?

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If you have questions about your You Invest account, please call us at 1-800-392-5749, Monday-Friday from 8 AM to 9 PM and Saturday 9 AM to 5 PM ET.

Where can I find more information on investment accounts?

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You can learn more about J.P. Morgan investment products here.

To open a You Invest Trade account online, apply here.

You can also go to a Chase branch and speak with a financial advisor about our investment products.