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Transferring money FAQs

Transferring money

Frequently asked questions

Money transfers

Can I move funds between J.P. Morgan investment accounts?

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You can move money between your You Invest Trade accounts, or from a You Invest Trade to a You Invest Portfolios 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 You Invest Portfolios are managed, you can’t move money directly from a You Invest Portfolios account to another Investment account.

 

Please note: Private Bank and J.P. Morgan Securities clients cannot transfer funds directly from a You Invest Trade account to a You Invest Portfolios account online.

How do I contribute to my IRA?

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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.”

I requested a distribution from my retirement account into my Chase bank account but it didn’t transfer immediately. Why?

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

Do you charge a fee to transfer funds into my account?

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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.

Are there any fees for funding my account with a wire transfer?

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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.

What is the cutoff time to transfer money to my investment account?

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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).

What is real time money movement?

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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.

What types of transfers happen in real time?

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

If I elect to fund my new account during the account opening process, will my funds transfer in real time?

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

 

Keep in mind: You Invest Portfolios accounts are approved on business days only.

 

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

What are the hours I can request a one-time, same day transfer?

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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 You Invest Portfolios account to your Chase bank account take 4 to 5 business days.

If I transfer in funds from my Chase bank account into my investment account are they available to withdraw immediately?

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We complete transfers to You Invest Trade accounts in real time, and your funds are immediately available to withdraw. 

 

Although transfers to You Invest Portfolios accounts are also completed in real time, your funds take 4 to 5 business days to become available for withdrawal.

Where do I see the status of my real time transfer?

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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.

Why does my Chase bank account activity display my transaction in Pending status when my transfer is completed and my account balances are updated?

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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.

Money transfers with Autosave & Investing

What is Autosave & Investing?

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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.

Does my money get automatically invested after it’s transferred to my investment account?

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If you transfer to You Invest Trade or an account handled by a J.P. Morgan advisor, your money will remain in cash until you invest it.

 

With You Invest Portfolios, your money will be automatically invested when your portfolio rebalances, which typically happens the next business day.

Who can use Autosave & Investing?

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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.

Securities transfers and rollovers

How do I transfer securities to my J.P. Morgan investment account?

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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 You Invest Portfolios 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. 

What is a rollover?

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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.

What types of accounts can I roll over?

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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).

What is the difference between a rollover and a transfer of assets?

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  • 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.

Can I combine my rollover and annual contributions into a single IRA?

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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.

How do I roll over my IRA to J.P. Morgan?

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To roll over your IRA, first open a You Invest traditional or 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.

How do I convert my Traditional IRA to a Roth IRA?

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To convert your You Invest Traditional IRA to a You Invest 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.

Are there certain items that I can't transfer to J.P. Morgan Securities LLC?

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

 

For You Invest 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 

 

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

 

For You Invest Portfolios accounts: If you have securities that aren’t in the You Invest Portfolios model, we’ll sell them for cash to invest into your account, or ask you to transfer them to a You Invest Trade or other brokerage account if they’re eligible.

Can I transfer an existing external IRA to an IRA at J.P. Morgan?

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

How long will it take to transfer an account?

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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.

Are there any fees to transfer an account?

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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.

Who can I contact for guidance about my retirement assets?

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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.

Can I transfer my non-Chase investment account to a You Invest Portfolios account?

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Yes, you can transfer an external investment account (either the entire account or particular securities) to your You Invest Portfolios 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 You Invest Trade or other brokerage account.

Can I move cash and securities from one brokerage account to another?

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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).

What types of journals are allowed?

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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.

What types of assets can be transferred from one brokerage account to another?

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

Where can I find my recent transfer status?

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

Why some securities are grayed out and are not available for transfer?

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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.