Chase IRA Review and ROTH IRA Fees for 2026
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JPMorgan Chase IRA
JPMorgan Chase offers IRAs in some of its departments but not in all. This review explains which divisions have IRAs, what they cost, and how to open them.
Chase Bank
Chase Bank no longer offers IRAs. Accounts opened before the service ended in March 2017 can still be held at the bank.
The lack of IRAs at Chase Bank does not mean FDIC insurance is unavailable. Through investment IRAs at other JPMorgan units, both FDIC and SIPC protection are possible.
J.P. Morgan Investing
IRAs are available at J.P. Morgan Investing, the company’s discount brokerage. This is where the lowest costs are found. Only Roth and Traditional IRAs are offered, so other IRA types are not available here.
Only self-directed accounts are available. Both Roth and Traditional IRAs have no annual fees and no commissions. Closing an IRA costs $75.
Investors can choose from many products, including brokered CDs, which carry FDIC insurance. Other securities like stocks and mutual funds are covered by SIPC.
A J.P. Morgan Investing account can be opened online in just a few minutes.
Learn more about J.P. Morgan Investing »
Personal Advisors
J.P. Morgan Personal Advisors provide IRAs with access to human advisors. This service offers account reviews with financial professionals online or by phone.
Personal Advisors cost more. The fee is 60, 50, or 40 basis points per year, depending on account size. A $25,000 minimum is required.
Opening an IRA here requires phone calls with a planner, and the setup may take more than one call to finish.
The phone line is open on weekdays at (833) 930-4504.
Private Client Advisor
Another option is JPMorgan’s Private Client Advisor division. This is a higher level of service with more fees.
There are two types of accounts: self-directed and advisory. A self-directed IRA has a $30 annual fee plus commissions, though stock trades placed online are free.
Advisory IRAs carry a 1.45% annual management fee, plus any fund-level fees.
A Private Client Advisor IRA requires at least $50,000 to open. SEP and SIMPLE IRAs are available, which can be useful for small businesses. Closing an IRA costs $75.
Clients also get one-on-one service with a dedicated advisor. Help includes:
- Wealth planning and transfer
- Charitable giving
- Personalized financial plan
- Estate planning
- Annuities
- Retirement planning
- And more
Private Client Advisor accounts also allow access to more products, such as life insurance, structured investments, and private equity funds.
To open an account, you must meet with a local advisor.
Learn more about Chase Private Client »
J.P. Morgan Wealth Management
The Wealth Management division is another option, but it is only available in a few cities, such as:
- Boston, MA
- Atlanta, GA
- Houston, TX
- Newport Beach, CA
This program is for high-net-worth clients and requires opening through a local office.
IRAs here have a $75 annual fee and a $95 closing fee.
Digital Tools and Research
All JPMorgan IRA customers can trade and manage accounts through Chase.com. Bank accounts link automatically, so one login manages both. The Chase mobile app is also available.
The website has a mutual fund screener with preset searches, including target-date funds for retirement planning. It can be found under the Investments tab by selecting “Find investments” and then the mutual fund screener.
Under the same Research section, there are educational and research materials, such as financial news, an economic calendar, and JPMorgan market commentary.
Rolling Over a Qualified Retirement Plan (QRP)
Old employer retirement plans can be rolled into a JPMorgan IRA. First open an IRA, then contact the old employer to request the rollover.
More rollover information is available under the “Transfer securities” link within the Investments tab.
Find a Financial Advisor
If you are looking for a professional financial advisor in your area, you can
find top Financial Advisors on the Wiser Advisor website.
Visit Wiser Advisor
Updated on 1/29/2026.
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