Transfers and rollovers FAQs

You can move cash between the same type of investment accounts on Chase.com and the Chase Mobile^® app. For example, John Smith’s Traditional IRA to John Smith’s Traditional IRA. We complete cash transfers between investment accounts in real time if you submit the transfer before the cutoff time on a business day. If the transaction requires approval, we’ll process it in real time as soon as it’s approved.

Please note that you cannot transfer money out of a full-service managed account online and should contact your advisor to do so.

Transfer funds

You can set up one-time or recurring contributions to your IRA on chase.com and the Chase Mobile^® app. You’ll have the option to make prior-year contributions before Tax Day. Contribute cash to your IRA.

You can also contribute by depositing a check using Chase QuickDeposit℠ in the Chase Mobile^® app.

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

For cash transfers between Chase bank accounts and J.P. Morgan investment accounts, funds will be available in your account on your scheduled transfer date.

Transfers from external bank accounts to J.P. Morgan investment accounts process within 1 to 3 business days.

No, we don't charge a fee to transfer funds into your account. However, your delivering institution may assess a fee to transfer funds. You should verify any fees with them prior to initiating the funds transfer request.

We don't charge fees to receive incoming wires. However, your delivering institution may assess a fee for sending the wire. You should verify any fees with them prior to initiating the wire transfer.

If you’re transferring funds from a Chase deposit (checking, savings or money market) account:

• For transactions submitted before 4:30 PM ET on any business day, your money will typically be available immediately but can take up to 1 business day (transactions that require approval will be immediately available as soon as they’re approved).
• For transactions submitted after 4:30 PM ET on any business day, your money will be available on the next business day at or about 3 AM ET.

If you’re transferring funds from a non-Chase account, cutoff time is 4:30 PM ET and funds are typically available within 1 to 3 business days. If you submit a transfer after the cutoff time, it will be considered to have happened on the next business day.

Transfers involving money market mutual funds may be subject to other cutoff times mandated by the applicable mutual fund company, which may be earlier than 4:30 PM ET. For more information, please see the prospectus or call the telephone number on the front of your account statement.

These fund transfers are governed by the Transfer Agreement (PDF).

J.P. Morgan Wealth Management clients can typically transfer cash in real time between their investment accounts and their Chase bank accounts, allowing immediate access to funds if the transfer is submitted during business days before 4:30 PM ET. Otherwise, the transfer will be processed the next business day.

Most one-time, same-day cash transfers between J.P. Morgan investment accounts and Chase deposit accounts (checking, savings, or money market) are completed instantly. However, in rare cases, it may take up to one business day.

Yes, for most transfers submitted before the cutoff time on a business day, your funds will be immediately available to trade. However, in rare cases, it may take up to one business day.

To view your transfer status, go to your “Brokerage transfer activity” and filter for the investment account used for the transfer. We’ll also email you once we’ve completed your transfer.

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.

You can view and edit, pause or cancel your repeating transfers to your investment accounts by going to your “Brokerage transfer activity” page.

We’ve made it simple to transfer securities and/or cash from an external financial institution to your J.P. Morgan investment account and between eligible investment accounts you hold with us.

Please note that you may only be able to transfer assets online between the same types of accounts with the same account holder (for example, from John Smith's Traditional IRA to John Smith's Traditional IRA).

You can transfer your investments at chase.com or in the Chase Mobile® app.

We may require an account statement from your external firm for certain transfers. We’ll let you know if we need this once you get started.

The following securities cannot be transferred online into a J.P. Morgan investment account:

• Annuities
• Caveat emptor and expert market securities
• Life insurance
• Futures
• Short security positions 
• Physically held securities 
• Cryptocurrencies
• Foreign currencies
• Securities sold exclusively by your prior firm 
  

If you try to transfer any of these, we may have to cancel the entire transfer request. Additional restrictions may apply. If you need help, you can call us at 1-800-392-5749, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET.

Transfers between J.P. Morgan investment accounts take 1-2 business days.

It will take about 3 to 5 business days to complete the transfer of your account if it’s between ACAT-eligible institutions. For non-ACAT institutions, transfers can take between 7 to 20 business days once all paperwork has been received. We'll notify you by email when the status of your transfer changes.

Please note that 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. Learn more about ACATs.

No, we don’t charge a fee for incoming account 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 about different ways to fund your account.

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

We’ll email you updates about your transfer. Plus, you can check the status of a transfer anytime by going to the Securities transfer activity page.

Currently, we only support online account transfers for the following account types:

• Individual
• Roth IRA
• Traditional IRA
• Beneficiary IRA

Please note that for account types that are not included above--including joint accounts—you must complete the Account Transfer Form (PDF) and mail it to:

J.P. Morgan Securities LLC 

Attn: Transfer – WM 

10 S. Dearborn St. 

Chicago, IL 60603

There are different kinds of rollovers. In a direct rollover, assets distributed from an employer-sponsored qualified retirement plan (e.g., 401(k), 403(b) or 457(b) account) are payable directly to the receiving IRA or eligible retirement plan custodian/trustee, for the benefit of the participant. With an indirect rollover, the assets are distributed to the participant/employee, who has 60 days after the date of receipt to roll over the distributed funds to an IRA or eligible retirement plan. Note, indirect rollovers are limited to one in a twelve month period whereas, direct rollovers do not have that restriction.

There are some key factors to consider when rolling over funds from an employer-sponsored retirement plan. Learn more about these options in our guide “Making Informed Rollover Decisions” (PDF).

Speak to your tax or legal professional if you have questions about what’s right for you.

You can roll over assets from an employer-sponsored qualified retirement plan (e.g., 401(k), 403(b) or 457(b)) after a qualifying event directly to an IRA or vice versa. These direct rollovers are reportable events that do not incur withholding, and there are no limits on the number of direct rollovers you may have in a 12 month period.  If you take receipt of the assets (either from a qualified retirement plan or an IRA) before depositing them into another qualified plan or IRA, this is an indirect rollover which is limited to one in any 12 month period. Indirect rollovers that are redeposited within 60 days are reportable but do not incur withholding.

A rollover involves moving funds from one type of retirement account to another, typically from an employer-sponsored plan—like a 401(k) or 403(b)—to an IRA or another employer-sponsored plan. There are two types of rollovers:

• Direct rollover—the distribution from an employer-sponsored qualified retirement plan is made payable directly to another eligible retirement plan or IRA, or from an IRA directly to an employer-sponsored qualified retirement plan. No taxes will be withheld from your rollover amount.
• Indirect/60-day rollover—the distribution from a qualified retirement plan is paid directly to you via check or electronic transfer for deposit to your personal account, and then you move all or a portion of the amount to an IRA or eligible retirement plan within 60 calendar days. The amount rolled over will be tax-deferred. There is a limit of 1 indirect rollover in a 12-month period.

An IRA transfer occurs when you move money directly from one IRA to another IRA of the same type (i.e.: Traditional IRA to Traditional IRA, or Roth IRA to Roth IRA) even if it is with a different financial institution. No taxes will be withheld from your transfer amount.

Yes, generally speaking you can combine rollovers and contributions in the same IRA. However, Traditional IRA and Roth IRA funds must be kept in separate accounts.

To roll over your IRA, first open a J.P. Morgan Self-Directed Investing IRA or Self-Directed Investing Roth IRA. Once your account is open, go to our Brokerage Forms page and choose “Account Transfer Form” under “Money & Asset Transfer." Complete the form and send it to the address provided. If you need help, you can call us at 1-833-829-6472, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 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, submit this form to get started with a J.P. Morgan advisor.

To convert your J.P. Morgan Traditional IRA to a J.P. Morgan Roth IRA:

1. Go to our Brokerage Forms Page and choose the "Roth IRA Conversion Request" form.
2. 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 professional.

If you need help, you can call us at 1-833-829-6472, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET. If you have a managed retirement account, please work directly with your J.P. Morgan advisor to convert your account.

Yes, you can transfer an existing IRA to your J.P. Morgan IRA. Learn more, about how to transfer investments, including an IRA, from J.P. Morgan or external accounts about transferring your external IRA and other investments to a J.P. Morgan investment account.

Open a J.P. Morgan IRA

Our Retirement Desk is available Monday–Friday from 8 AM to 9 PM ET or Saturday from 9 AM to 5 PM ET, at 1-833-829-6472. You can also contact your J.P. Morgan advisor if you have one, or your tax or legal professional.

At this time, these types of transactions cannot be performed online. Please call us at 1-800-392-5749, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET.