J.P. Morgan Self-Directed Investing

J.P. Morgan Self-Directed Investing is the ultimate convenience play for existing Chase Bank customers. If you already have a Chase checking account or credit card, the ability to view your portfolio and move money instantly within the same app is unbeatable. While it lacks the advanced charting tools and asset variety (no crypto or futures) needed by active day traders, its clean interface, $0 commissions, and access to premium J.P. Morgan research make it a fantastic choice for passive investors and buy-and-hold strategists.

At a Glance

• Commissions: $0 for Stocks, ETFs, and Mutual Funds; $0.65 per option contract
• Account Minimum: $0
• Research: Free access to J.P. Morgan research and market analysis
• Platform: Integrated into Chase.com and the Chase Mobile® App
• Assets: Stocks, ETFs, Options, Mutual Funds, Bonds, Treasuries
• Crypto: No (Direct crypto trading is not available)
• Speed: Instant transfers to/from Chase checking accounts

Overview

Formerly known as "Chase You Invest," this brokerage platform is fully integrated into the Chase banking ecosystem. It is designed to be the "easy button" for the millions of Americans who already bank with Chase. It strips away the complexity of standalone trading apps and puts investing right next to your checking account.

Trading Platforms & Tools

• Chase Mobile® App: The investing tab lives inside your banking app. It is clean, fast, and intuitive. It is perfect for placing a quick trade or checking your balance while in line at the grocery store.
• Chase.com: The web interface offers slightly more depth, including a screener for stocks and ETFs, but it is still designed for simplicity rather than intense analysis.
• Research: Access to J.P. Morgan Global Research is a significant value add. You can read detailed analyst reports on specific sectors and companies without paying extra subscriptions.

Fees & Commissions

• Stocks & ETFs: $0.
• Options: $0.65 per contract.
• Mutual Funds: $0. This is a major advantage over competitors like Zacks Trade or TD Ameritrade (Schwab) which often charge fees for non-transaction-fee (NTF) funds.
• Account Fees: $0. There are no maintenance fees or inactivity fees.

Borrower Experience

• Onboarding: If you are a Chase customer, opening an account takes literally minutes because they already have your data.
• Money Movement: Instant transfers between Chase checking and investing accounts mean you never have to wait 3 days for an ACH transfer to clear before buying a stock.

Who It’s Best For

• The Chase Loyalist: If you have a Chase Sapphire card and a Total Checking account, adding this brokerage keeps your entire financial life under one login.
• Mutual Fund Investors: The ability to buy Vanguard or Fidelity funds for $0 commission is a massive perk.
• Passive Investors: If you just want to buy VTI or SPY every month and hold it for 30 years, this platform is perfect.

Who Should Skip It

• Day Traders: The lack of streaming real-time data, advanced charting, and customizable workspaces makes it unsuitable for scalping or momentum trading.
• Crypto Investors: If you want Bitcoin exposure, you’ll have to go elsewhere (or buy a Bitcoin ETF).
• Fractional Share Buyers: If you have a small account and want to dollar-cost average into expensive stocks like Booking.com ($3,500+), Fidelity is a better choice.

Bottom Line

J.P. Morgan Self-Directed Investing is the best brokerage for people who value convenience over complexity. It is not for day traders. It is for the person who wants to manage their wealth in the same place they manage their bills. If you bank with Chase, the ease of instant transfers and a single login makes this the obvious choice for your general investment portfolio.