J.P. Morgan Chase (Roth) IRA Fees For 2026
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J.P. Morgan IRA Fees
| Fee |
Amount |
| IRA setup fee |
$0 |
| Annual IRA fee |
$0 |
| IRA closing fee |
$75 |
| IRA maintenance fee |
$0 |
| IRA inactivity fee |
$0 |
| Outbound full account transfer (ACAT) fee |
$75 |
| Outbound partial account transfer fee |
$0 |
| Investments | Commissions |
|---|
| Stocks and ETFs | $0 |
| Options | $0.65 per contract |
| Mutual funds | $0 |
| Bonds | $1 per bond with $10 minimum, $250 maximum |
J.P. Morgan Annual and Account Inactivity IRA Fees
There is no annual fee for maintaining an IRA at the broker. The inactivity fee J.P. Morgan Chase used to charge has been terminated.
Therefore, right now, there are no ongoing annual, maintenance, inactivity, or low-balance fees to have a retirement account at Chase.
Chase Investments Fees and Account Requirements
J.P. Morgan Self-Directed Investing offers $0 commission online trades on a wide range of investment products.
Mutual funds at J.P. Morgan Chase have zero transaction fee when traded online. There is a $20
surcharge if you buy or sell a mutual fund with a live rep. For stocks and ETFs, this fee is $25.
Chase charges $75 for retirement account transfer and termination when all assets are distributed or transferred out of the account. This fee is not listed as applying to partial transfers.
Statements at J.P. Morgan Chase are in electronic format by default. The company charges $6 for a hard-copy version.
A J.P. Morgan Chase account comes with no annual fee, no inactivity charges, and no low-balance costs. An account can be opened with no minimum balance to get started, and the online application is quick and easy.
J.P. Morgan Comparison
IRAs
J.P. Morgan Self-Directed Investing offers Roth and Traditional IRAs. It does not offer SEP or SIMPLE IRAs in the same self-directed online IRA lineup. J.P. Morgan Chase also has a separate Solo 401(k) solution for solo entrepreneurs through its Everyday 401(k) platform. A retirement plan with a former
employer can be rolled over into a Chase IRA.
When we logged into our test account, we found a planning section that hosts several articles on
retirement saving strategies. Chase also provides Wealth Plan tools and retirement calculators to help investors review retirement goals, IRA eligibility, and 401(k) planning. For example, one topic discusses catch-up contributions.
Chase also provides IRA calculators and other retirement-planning tools online, which is useful for investors who want more help planning for retirement.
Updated on 6/4/2026.
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