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Chase (Roth) IRA Rates and Fees in 2026
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IRAs at Chase Bank and J.P. Morgan Chase
Key points:
• Chase Bank no longer opens new Retirement CDs or Retirement Money Market Accounts.
• The company’s low-cost securities division J.P. Morgan Self-Directed Investing does offer IRAs.
• An IRA at J.P. Morgan Self-Directed Investing has a $75 transfer and termination fee when all assets are distributed or transferred out.
If you’re looking for a low-cost way to save for retirement, J.P. Morgan may have an answer for you. This article will explore the company’s IRA features.
Overview of IRAs at Chase Bank
Chase Bank is J.P. Morgan’s banking unit. Chase Bank no longer opens new Retirement CDs or Retirement Money Market Accounts and does not accept new deposits into existing accounts of these types. An IRA with Chase Bank opened before the company shut down its IRA service (March, 2017) can be maintained at Chase.
Overview of IRAs at J.P. Morgan Self-Directed Investing
Besides Chase Bank, J.P. Morgan operates J.P. Morgan Self-Directed Investing. This online discount
broker does offer IRAs. An IRA with J.P. Morgan Self-Directed Investing can be opened in either Roth or
Traditional format. Other types of IRAs, such as SEP, SIMPLE, or Minor
accounts, are not available through Self-Directed Investing.
A retirement account at J.P. Morgan Self-Directed Investing is just what it sounds like: self-directed. This arm of J.P. Morgan does not provide personalized investment advice for the account.
Available Investments for IRAs
A retirement account at J.P. Morgan Self-Directed Investing has access to a wide selection of securities. The cornucopia includes equities, options, bonds, and funds (mutual and exchange-traded).
The mutual-fund category includes 29 securities that are target-date funds. These are investment vehicles designed for retirement saving. These 29 funds are provided by a variety of fund families, including Putnam, T. Rowe Price, and Vanguard.
Margin
J.P. Morgan Self-Directed Investing does not offer margin trading for IRAs.
Opening an IRA with J.P. Morgan Self-Directed Investing
Opening an IRA with J.P. Morgan Self-Directed Investing is a very uncomplicated process. Simply head to chase.com and click on the “Investing by J.P. Morgan” tab in the main menu. In the drop-down list of choices, click on the “Retirement and IRAs” link.
On the next page, you’ll see a button to open a retirement account. Click on this button and choose the option to invest on your own to open the IRA as a J.P. Morgan Self-Directed Investing account.
On the next page, you’ll see a promotion to score a bonus of up to $1,000 for a qualifying deposit, transfer, or rollover. On this page, select either a Roth or Traditional IRA and follow the on-screen prompts to provide all required information.
Required details include personal and identification information. Applicants must be at least 18 years old and meet J.P. Morgan’s identification and residency requirements. U.S. citizens need a Social Security Number or other eligible Taxpayer Identification Number, while eligible resident aliens and W-9 tax-paying non-U.S. citizens can also open accounts if they meet J.P. Morgan’s requirements. A U.S. home address is required.
A soft inquiry may be performed during the application. Be sure to unfreeze any credit reports to allow this inquiry to go through; otherwise, the application may be rejected.
Funding an IRA at Chase
A retirement account in either Roth or Traditional format at J.P. Morgan Self-Directed Investing can be funded in a variety of ways. Cash can be moved from an eligible bank account, and investments can be transferred from another financial institution. It’s also possible to deposit a paper check through Chase QuickDeposit in the Chase mobile app.
Transferring or Rolling Over another Retirement Account
If you happen to have a second IRA at another brokerage firm or a Qualified Retirement Plan at a former employer (a 401(k) or 403(b), for example), J.P. Morgan Self-Directed Investing will let you roll over or transfer the account into the new IRA with them.
For a QRP, you may need to contact the plan administrator and provide the information required to complete the rollover. J.P. Morgan also offers an online rollover process for eligible retirement accounts through Chase.com and the Chase mobile app.
For an IRA transfer, open the Chase app and tap on “Investments by J.P. Morgan.” Select the investment account you’re transferring to, tap “Transfer,” select “Transfer securities,” and then choose “External account transfer.” Follow the on-screen instructions to connect the outside institution and select the assets to transfer.
Retirement Education
Once your new IRA is set up to your liking, it’s time to start investing. There is a large assortment of educational materials under the “Investments” tab at the top of the website. Here, you can find news articles, events, weekly economic reports, commentary, and much more. The “Investing Insights” link under the Investments tab has a retirement hub with articles and videos on a variety of topics. Here are some examples we found:
• Social Security rules for married, divorced and widowed people
• How an annuity can help as you plan for retirement
Chase IRA Pricing
An IRA at J.P. Morgan Self-Directed Investing has the same fee schedule as other accounts. This means many online trades have $0 commissions. Online U.S. Treasury trades cost $0. Online secondary-market trades of corporate, municipal, and government-agency bonds and brokered CDs cost $10 per trade plus $1 per bond over 10 bonds, with a $250 maximum. New-issue brokered CDs have a $0 commission. The one sticking point here is the broker’s $75 retirement account transfer and termination fee when all assets are distributed or transferred out. There is no annual IRA fee, though.
See all J.P. Morgan Investing fees.
Best Brokers For IRA
Chase IRA Review Judgment
J.P. Morgan Self-Directed Investing has a decent IRA service with a few flaws that will send some
folks elsewhere.
Updated on 8/17/2026.
Chad Morris has been analyzing investment firms for Brokerage-Review.com since 2015. Backed by FINRA Series 65, 66, and SIE credentials, his work reflects a deep knowledge of the retail brokerage industry and digital trading tools.
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