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 to keep an IRA open at the broker. The inactivity fee that J.P. Morgan Chase previously charged has been discontinued.
As a result, there are currently no ongoing annual, maintenance, inactivity, or low-balance fees for holding 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 a $0 transaction fee when traded online. There is a $20
surcharge if you buy or sell a mutual fund with a live representative. 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 delivered electronically by default. The company charges $6 for a hard-copy version.
A J.P. Morgan Chase account has no annual fee, no inactivity fee, and no low-balance charge. 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 from a former
employer can be rolled over into a Chase IRA.
When we logged into our test account, we found a planning section with several articles on
retirement saving strategies. Chase also offers Wealth Plan tools and retirement calculators to help investors review retirement goals, IRA eligibility, and 401(k) planning. For example, one topic covers catch-up contributions.
Chase also offers IRA calculators and other online retirement-planning tools, which can be useful for investors who want more help preparing for retirement.
Updated on 8/20/2026.
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