J.P.Morgan Wealth Management
OPEN ACCOUNT

OPEN AN ACCOUNT:

 

Earn 3.60% APY1

With J.P. Morgan Premium Deposit2 for Self-Directed Investing When you open a J.P. Morgan Self-Directed Investing account, 
you get access to Premium Deposit to earn more on your cash. J.P. Morgan Premium Deposit requires an initial minimum deposit of $50,000.
 

$700 cash bonus

Plus, earn a cash bonus* when you open and fund a J.P. Morgan

Self-Directed Investing account with qualifying new money3 by 07/24/2025,
and get unlimited $0 commission4 online trades.

Options contract and other fees may apply.

You must open an account from this page to receive the bonus offer.

CLICK TO OPEN ACCOUNT

Features of J.P. Morgan Premium Deposit

Place your cash in Premium Deposit and let your money work harder — get quick access to take advantage of market opportunities. For full details, see our disclosures and product fact sheet.

 

FDIC insured5

Your cash is in an FDIC insured deposit product from JPMorgan Chase Bank, N.A., ("Chase Bank") up to the allowable limits.5

Same-day availability6

Access your cash when you need it to make big purchases or take advantage of market opportunities.

No fees7

There are no transaction or withdrawal fees associated with Premium Deposit.

 

J.P. Morgan Premium Deposit is not a sweep and the APY1 will not apply to cash sweep balances in your Self-Directed Investing account. Premium Deposit is not automatically 
accessed to settle trade activity or to reduce a debit or margin loan on your eligible account, and it is not available for IRAs.

Calculate how much you
could earn

Use this calculator to see how much more you could
earn on your cash with J.P. Morgan Premium Deposit
at the current rate

Note: J.P. Morgan Premium Deposit requires an initial minimum deposit of $50,000.

Take 3 steps to collect your investment account bonus
  • 01

    Open

    Open a J.P. Morgan Self-Directed Investing account through this page by 07/24/2025.

      X
  • 02

    Fund

    You have 45 days to fund your account with qualifying new money.3 Your bonus will be determined on day 45.

    What is "qualifying new money?"

    You can receive your bonus when you open and fund your account with $5,000 or more by moving cash, transferring securities, or rolling over existing retirement assets from another institution within 45 days of coupon enrollment date. Assets from J.P. Morgan Chase & Co. or its affiliates are not eligible. Maintain funds at 90 days from coupon enrollment.

    X
  • 03

    Cash Bonus

    Maintain your new funds at 90 days from enrollment and enjoy your bonus – we’ll add it directly into your account within 15 days.

      X
CLICK TO OPEN ACCOUNT

Once you open and fund your account, if you move at least $50,000 to
Premium Deposit2, you'll receive the rate and watch your cash grow.

FAQs about Premium Deposit

Content Item

How do I get started with J.P. Morgan Premium Deposit for Self-Directed Investing?

expand arrow

Self-Directed Investing clients (excluding IRA and margin accounts) have access to J.P. Morgan Premium Deposit for Self-Directed Investing. Here’s how you can use it:

 

Access — go to your investments dashboard and choose the “Trade” icon to access J.P. Morgan Premium Deposit for Self-Directed Investing.

 

Set amount — indicate the amount you want to place in J.P. Morgan Premium Deposit for Self-Directed Investing. The initial minimum deposit is $50,000.

 

Monitor — view your J.P. Morgan Premium Deposit for Self-Directed Investing (JPMPD) alongside your investment positions.
Your cash is FDIC insured5 and will be ready to withdraw with same-day availability.

How is the interest rate calculated?

expand arrow

The rate paid on balances in J.P. Morgan Premium Deposit for Self-Directed Investing is determined by JPMorgan Chase Bank, N.A., based on overall rate environment and competitive landscape, but it may change at any time according to the prevailing market rates and other economic conditions.

How do I access my funds?

expand arrow

J.P. Morgan Premium Deposit for Self-Directed Investing provides same-day availability if you enter transactions before 4:00 PM ET on a business day. If you submit a transaction after 4:00 PM, it will be available the next business day.

 

Importantly, this product is not intended for clients who need access to funds to pay for daily or recurring expenses, or to settle trades on a frequent basis. J.P. Morgan Premium Deposit for Self-Directed Investing is not a sweep and funds will not be automatically accessed to settle trade activity or to reduce a debit or margin loan on your eligible account. Transfers of money from J.P. Morgan Wealth Management brokerage accounts to any bank account will be subject to current procedures and time frames. Make sure you have enough lead time to withdraw funds from J.P. Morgan Premium Deposit for Self-Directed Investing for transfers, wires, or other transactions.

What else do I need to know?

expand arrow

J.P. Morgan Premium Deposit for Self-Directed Investing balances will show in the fixed income section of your account and they will be reported as such on your monthly brokerage account statements. Find the monthly account statements online and on the mobile app(s). All transaction activity (deposits, withdrawals and interest payments) will also be reflected alongside other investments-related activity. You won’t receive a separate statement from JPMorgan Chase Bank, N.A., for balances held in J.P. Morgan Premium Deposit for Self-Directed Investing. Additionally, income received through balances in J.P. Morgan Premium Deposit for Self-Directed Investing is fully taxable. J.P. Morgan Premium Deposit for Self-Directed Investing is available for purchase in individual, joint or trust general investment accounts. Retirement and margin accounts are not eligible.

How can I get a cash bonus up to $700?

expand arrow

Customers must open and fund a new J.P. Morgan Self-Directed Investing account with new money of $5,000 or more by moving cash, transferring securities, or rolling over existing retirement assets from another institution. Moving money to J.P. Morgan Premium Deposit for Self-Directed Investing is not required to receive the cash bonus.

IMPORTANT INFORMATION:

Offer eligibility and restrictions:

 

Cash promotion is limited to one per customer and can only be applied to one new J.P. Morgan Self-Directed Investing account (General Investment, Traditional IRA, or Roth IRA). To enroll in the up to $700 offer, you must open an account through this page. This offer does not apply to any account opened with a J.P. Morgan Advisor.

*To receive the cash bonus:

  • 1) Customers must open and fund a new J.P. Morgan Self-Directed Investing account with new money of $5,000 or more by moving cash, transferring securities, or rolling over existing retirement assets from another institution. Assets from J.P. Morgan Chase & Co. or its affiliates are not eligible. New money must be transferred within 45 days of coupon enrollment date.

  • 2) At day 45 from coupon enrollment, the bonus tier will be determined in the following manner:

    New Money Inflows
    (losses due to trading or market fluctuation will not be taken into account)    		 Cash Bonus
    $5,000 - $24,999 $50
    $25,000 - $99,999 $150
    $100,000 - $249,999 $325
    $250,000 or more $700

  • 3) The new money balance must be maintained in the account at 90 days from the coupon enrollment (losses due to trading or market fluctuation will not be taken into account).

Cash bonus will be credited to the account within 15 days of these requirements being met.
You can only participate in one J.P. Morgan Self-Directed Investing new money bonus in a 12 month period from the last bonus coupon enrollment date. Coupon is good for one time use and only one bonus per account. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Account types and other restrictions apply. Offer terms are subject to change and/or termination without advance notice. The value of the cash award may be considered income, and we may be required to send you, and file with the IRS, a Form 1099-MISC ("Miscellaneous Information"), or a Form 1042-S ("Foreign Person's U.S. Source Income Subject to Withholding") if applicable. You are responsible for any tax liability associated with the award. Please consult your own tax advisor if you have any questions about your personal tax situation.

DISCLOSURES:

  • 1 Rate as of 12/19/2024. The Annual Percentage Yield (APY) disclosed on your deposit assumes interest will remain deposited on a rolling calendar basis. J.P. Morgan Premium Deposit has a variable interest rate. The rate is reset periodically at the discretion of J.P. Morgan Chase Bank, N.A. without notice. The calculation of interest begins on the business day funds are received by Chase Bank up to but not including the day of withdrawal. The interest is computed on a 360-day basis according to the daily balance method. This method applies a daily periodic rate to the full amount of principal in the account each day. Please see the product fact sheet for further details.

  • 2 Product availability is subject to qualification. Both client and account eligibility apply.

  • a. J.P. Morgan Premium Deposit is available for purchase in J.P. Morgan Wealth Management individual, joint or trust taxable brokerage accounts. J.P. Morgan Wealth Management Self-Directed Investing retirement and margin accounts are not eligible. Clients must also be U.S. domiciled and W-9 certified. The maximum total deposit for J.P. Morgan Premium Deposit is $3 million per account.

  • b. Chase Bank or J.P. Morgan Securities LLC, at their discretion, may also close J.P. Morgan Premium Deposit to new or additional deposits.

  • IMPORTANT INFORMATION REGARDING ELIGIBILITY

    Availability of J.P. Morgan Premium Deposit is subject to eligibility criteria including but not limited to account type, initial minimum deposit requirements and balance maximums. These criteria are subject to change at any time at the discretion of J.P. Morgan Securities LLC.

    Terms of eligibility, balance requirements and premium are subject to change at any time. Chase Bank or JPMS, in their discretion, may also modify the terms, conditions and procedures relating to J.P. Morgan Premium Deposit. You will be notified of any changes that adversely affect you.

    Deposit products and related services are offered by J.P. Morgan Chase Bank, N.A. Member FDIC.

  • 3 Transfer eligible cash and/or securities from an external account to your new J.P. Morgan Self-Directed Investing account.

  • 4 Commission-free online trades apply to trading in U.S.-listed stocks, exchange-traded funds (ETFs) and options. Options trades are subject to a $0.65 per-contract fee. Other fees and charges may apply, including but not limited to fees intended to offset fees charged by certain regulatory bodies. There are costs associated with owning certain investments, including mutual funds and ETFs. Offer terms and pricing are subject to change and/or termination. Other fees and restrictions (including account types) apply. See chase.com/online-investing-pricing for terms and conditions.

  • 5 Deposits placed in a J.P. Morgan Premium Deposit account are eligible for FDIC insurance up to applicable limits. All deposits at J.P. Morgan Chase Bank, N.A. (“Chase Bank”) held in the same insurable ownership capacity will be aggregated for purposes of eligibility, including deposits maintained through the J.P. Morgan Chase Deposit account, which is the sweep vehicle for your investment account. You are responsible for monitoring the total amount held with Chase Bank. For more information about FDIC insurance, please visit the FDIC website at: https://www.fdic.gov/deposit/deposits.

  • 6 Same-day availability applies to withdrawals made by 4:00 PM ET on a business day, and generally will be processed on that business day. This product is not intended for clients who need access to funds to pay for daily or recurring expenses. Funds will not be automatically accessed to settle trade activity or to reduce a debit or margin loan on your eligible account.

  • 7 Service Center fees may apply.

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 & Co. 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.

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 all affiliated companies under the common controls of JPMorgan Chase & Co. Products are 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

©2025 JPMorgan Chase & Co.

LC-SDI-Q225-700PDLP

X

SUCCESS!

Check your email for your coupon code, then click
”Open an account” to take advantage of this offer.

What is “qualifying new money?”

You can receive your bonus when you open and fund your account with $5,000 or more by moving cash, transferring securities, or rolling over existing retirement assets from another institution within 45 days of coupon enrollment date. Assets from J.P. Morgan Chase & Co. or its affiliates are not eligible. Maintain funds at 90 days from coupon enrollment.

x
Leaving popup modal

You're Now Leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Cancel
Proceed