J.P. Morgan Self-Directed Investing: Up to $1,000 Bonus for Moving Your Money

If you've been thinking about consolidating your investments or trying out a new brokerage, J.P. Morgan is offering a pretty solid incentive right now. Open a Self-Directed Investing account, move over some cash or securities, and you could pocket up to $1,000. It's not every day you get paid to invest, so let's break down what you need to know.

How the Bonus Tiers Work

The bonus is straightforward: the more you transfer, the bigger the cash reward. You just need to open a new Self-Directed Investing account through the official offer page by October 21, 2026. Then, within 45 days, move over at least $5,000 in cash, securities, or retirement assets from a non-Chase institution.

On day 45, Chase locks in your bonus tier based on the total new money you've brought in. After that, you'll need to keep that balance in the account for a total of 90 days from enrollment. Once that's done, the bonus lands in your account within 15 days.

Here's the tier breakdown: $5,000 to $24,999 gets you $50; $25,000 to $99,999 gets you $150; $100,000 to $249,999 gets you $325; and $250,000 or more gets you the full $1,000.

What Counts as 'New Money'?

This is where a lot of folks get tripped up, so pay attention. The funds must come from outside JPMorgan Chase. That means you can't just shuffle money from your Chase checking account or an existing J.P. Morgan brokerage. It has to be cash, stocks, ETFs, mutual funds, or retirement assets like an IRA or 401(k) from another bank or brokerage.

One nice perk: you can transfer investments in-kind, meaning you don't have to sell anything and trigger taxes. Just move the assets over as they are. And if you're rolling over an old 401(k), you'll need to work with your plan administrator to issue a check payable to J.P. Morgan Securities LLC.

Also worth noting: UTMA accounts and trust accounts are not eligible for this bonus, so stick with a standard brokerage, Traditional IRA, or Roth IRA.

What to Do with the Money While You Wait

You don't have to invest the money right away. Some people just park it in the account and let it sit for 90 days. But if you want to earn a little something while you wait, consider putting the funds into a money market fund like VMMXX or VUSXX. These are low-risk and have been yielding decent returns, though they're not FDIC-insured like a savings account.

Of course, you can also invest in stocks, ETFs, or whatever fits your strategy. Just remember that market losses won't count against the holding requirement, so you're free to trade as long as you don't withdraw the original new money.

One thing to watch out for: if you're moving an IRA, check with both your current provider and Chase about any transfer fees. Some institutions charge to move assets out, and Chase may reimburse those fees in certain cases, but it's not guaranteed.

How This Compares to Other Chase Offers

If you're a Chase fan, you might be eyeing their checking or savings bonuses too. Good news: you can do this investment bonus and still snag a Chase checking or savings bonus separately. But here's the catch—you can't combine it with the Chase Private Client or Sapphire Checking bonus. Those are mutually exclusive with this offer for a 12-month period.

Also, this offer allows IRA funds to count toward the bonus, which the Sapphire Checking offer doesn't. So if you have retirement assets you're willing to move, this could be a no-brainer.

Bottom line: if you've got $5,000 or more sitting at another bank or brokerage, this is a low-effort way to earn some extra cash. Just make sure you read the fine print, set a reminder for the 45-day funding deadline, and don't touch the money for 90 days.

Bottom Line

• Open a new J.P. Morgan Self-Directed Investing account by 10/21/2026 to qualify.
• Transfer at least $5,000 in new money from outside Chase within 45 days.
• Keep the funds in the account for 90 days to earn your bonus.
• Bonuses range from $50 to $1,000 depending on the amount transferred.
• You can transfer cash, securities, or retirement assets without selling.
• This offer cannot be combined with Chase Private Client or Sapphire Checking bonuses.

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