How to evaluate Chase Self-Directed Investing Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
45 days of account opening to fund account with qualifying new money
Payout timeline
Within 15 days after the 90-day hold period is met
Hold period
90 days from enrollment
How to qualify
Open new J.P. Morgan Self-Directed Investing account (General Investment, Traditional IRA, or Roth IRA)
Fund account with at least $5,000 in qualifying new money from outside J.P. Morgan Chase & Co. or its affiliates
New money must be transferred within 45 days of account opening
Maintain new funds in account for 90 days from enrollment date (market losses do not count against this requirement)
Common pitfalls
New customers only
One bonus per customer per calendar year
One bonus per new Self-Directed Investing account (cannot be applied to multiple accounts)
Cannot combine with other Chase You Invest, Chase Private Client Checking, or Sapphire Checking bonuses within 12 months
What makes this offer different
What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $1,000 sign-up bonus, $25 referral share for a total displayed potential of $1,025. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Chase Self-Directed Investing Bonus expire?
Chase Self-Directed Investing Bonus expires on October 20, 2026.
✓Funds must come from external sources (not existing J.P. Morgan, Chase, or affiliate accounts)
✓Assets must be maintained for 90 days from enrollment
✓Open a new J.P. Morgan Self-Directed Investing account
✓Deposit at least $5,000 in qualifying new money from outside JPMorganChase within 45 days
✓Maintain new funds for 90 days from enrollment
✓Qualifying new money must come from cash transfer, securities transfer, or IRA/401(k) rollover from another institution
✓Transfer $5,000+ qualifying new money from external institution
✓Can be cash, securities, or retirement account rollover
✓Must open account from offer page
✓Deposit/transfer $5,000 minimum in qualifying new money
✓Maintain new funds for 90 days from enrollment date
✓Fund account within 45 days of coupon enrollment
✓Can transfer cash, securities, or roll over retirement assets from non-Chase institutions
✓Fund account with qualifying new money of $5,000 or more
✓Qualifying new money must be from outside J.P. Morgan Chase & Co. or affiliates
✓Can transfer cash, securities, or roll over retirement assets
✓Maintain funds for 90 days from coupon enrollment
✓Must open account through the promotion page
✓Open J.P. Morgan Self-Directed Investing account (General, Traditional IRA, or Roth IRA)
✓Fund account with $5,000+ in qualifying new money
✓Transfer cash, securities, or rollover retirement assets from non-Chase/non-J.P. Morgan institution
✓Complete funding within 45 days of coupon enrollment
✓Maintain funds for 90 days (market losses do not disqualify)
✓Open account through promotional page or coupon code
✓Fund with new money from non-Chase/non-J.P. Morgan sources
✓Maintain qualifying funds for 90 days (trading losses do not disqualify)
✓Must be at least $5,000 new money minimum
✓Minimum $5,000 deposit
✓Qualifying new money must be from non-Chase or non-J.P. Morgan account
✓Must fund account within 45 days of coupon enrollment
✓Must maintain funds for 90 days from enrollment (trading losses do not disqualify)
✓Open account via promotional page/coupon code
✓Fund with qualifying new money (non-Chase/non-JPMorgan assets)
✓Maintain funds for 90 days from enrollment
✓Open a J.P. Morgan Self-Directed Investing account (General Investment, Traditional IRA, or Roth IRA)
✓Fund account with qualifying new money within 45 days of enrollment
✓Maintain new money balance for 90 days from enrollment
✓Qualifying new money cannot be existing deposits or funds held at JPMorgan Chase or affiliates
✓Market losses and trading fluctuations do not affect bonus qualification
✓Open new J.P. Morgan Self-Directed Investing account (General, Traditional IRA, or Roth IRA)
✓Fund account with minimum $5,000 qualifying new money within 45 days
✓New money must come from outside J.P. Morgan Chase & Co. or affiliates
✓Open account through promotional page or with coupon code
✓Fund with qualifying new money within 45 days
✓Qualifying new money cannot be existing deposits, funds, or securities held by you at Chase or its affiliates
✓Minimum $5,000 qualifying new money deposit
✓Qualifying new money must come from non-Chase/non-JPMorgan institution
✓Maintain funds for 90 days from enrollment (market losses do not count against you)
✓Fund account with $5,000 or more in qualifying new money
✓Fund within 45 days of coupon enrollment
✓Available account types: General Investing, Traditional IRA, Roth IRA, Trust accounts
✓Fund account with qualifying new money ($5,000 minimum)
✓Funds must come from non-Chase or non-J.P. Morgan institution
✓Fund within 45 days of account opening
✓Deposit/transfer minimum $5,000 of qualifying new money
✓Money must come from outside J.P. Morgan Chase or its affiliates
✓Deposit/transfer $5,000 or more in qualifying new money within 45 days of account opening
✓Funds can be cash transfer, securities transfer, or retirement account rollover from outside institutions
✓Open J.P. Morgan Self-Directed Investing account
✓Fund with $5,000+ in qualifying new money (cash, securities, or IRA rollovers) from non-Chase/non-JPMorgan institution
✓Maintain funds for 90 days from coupon enrollment (trading/market losses do not disqualify)
✓Must open account through promotional page with coupon code
✓Deposit/transfer minimum $5,000 from external institution
✓Account types eligible: General Investment, Traditional IRA, or Roth IRA
✓New money must be transferred within 45 days of coupon enrollment date
✓Cannot transfer from existing Chase/J.P. Morgan accounts
⚠One per account
⚠Cannot participate in Chase Private Client Checking or Chase Sapphire Checking bonus in same 12-month period
⚠Account must not be closed or restricted at time of payout
⚠One bonus per customer in 12-month period
⚠Account must not be closed or restricted at payout
⚠Assets from J.P. Morgan Chase & Co. or affiliates are not eligible
⚠One per customer
⚠Can only be applied to one new J.P. Morgan Self-Directed Investing account (Brokerage, Traditional IRA, or Roth IRA)
⚠Cannot participate in one Chase Private Client Checking, Chase Sapphire Checking, or J.P. Morgan Self-Directed Investing bonus in a 12-month period from last bonus enrollment date
⚠Does not apply to J.P. Morgan Automated Investing or accounts opened with a J.P. Morgan Advisor
⚠Cannot use if previously received Chase Private Client Checking or Sapphire Checking bonus in same 12-month period
⚠One per customer per 12 months
⚠Cannot combine with Chase Private Client Checking or Chase Sapphire Checking bonus in same 12-month period
⚠Assets from J.P. Morgan Chase & Co. or its affiliates not eligible
⚠Only one Chase Private Client Checking, Chase Sapphire Checking, or J.P. Morgan Self-Directed Investing new money bonus in a 12-month period from last bonus enrollment date
⚠Must open account through promotional link to qualify
⚠One per customer per 12-month period
⚠Cannot combine with Chase Private Client Checking or Chase Sapphire Checking bonuses within 12 months
⚠Only one bonus per J.P. Morgan Self-Directed Investing account
⚠One bonus per 12-month period (applies to Chase Private Client Checking, Chase Sapphire Checking, or J.P. Morgan Self-Directed Investing combined)
⚠One per customer, one per account
⚠Limited to one bonus per 12-month period from last bonus coupon enrollment
⚠New J.P. Morgan Self-Directed Investing accounts only
⚠One bonus per customer, one per account
⚠Cannot participate in another Chase Private Client, Chase Sapphire, or J.P. Morgan Self-Directed Investing bonus within 12 months
⚠Qualifying new money must come from outside J.P. Morgan Chase or its affiliates
⚠Limited to one new J.P. Morgan Self-Directed Investing account
⚠One per customer per 12-month period from last bonus enrollment
⚠Cannot be combined with Chase Private Client Checking or Chase Sapphire Checking bonus in same 12-month period
⚠Applies to General Investment, Traditional IRA, or Roth IRA accounts
⚠Must open account through promotional page
⚠Qualifying new money only (cannot be from existing J.P. Morgan Chase affiliates)
⚠One bonus per customer, one per new account
⚠Qualifying new money must come from non-Chase/non-JPMorgan sources
⚠Funds must be from non-Chase/non-J.P. Morgan institutions
⚠Not eligible for J.P. Morgan Automated Investing or advisor accounts
⚠General Investment account only for referral program (retirement accounts excluded from referral bonuses)
⚠Must open account from promotional offer page
$95 IRA termination fee
No account minimum balance
$0.65 per contract fee for options trades
No account opening or maintenance fees
Losses due to trading or market fluctuation will not disqualify bonus
Bonus considered taxable income; may require Form 1099-MISC or Form 1042-S filing
Account types eligible: General Investing, Traditional IRA, Roth IRA
Coupon code required; must open account from offer page to qualify
Bonus amount determined on day 45
Bonus value may be subject to 1099-MISC tax reporting
No fees on everyday banking and instant transfers between brokerage and Chase checking
Losses due to trading or market fluctuation will not be taken into account for the 90-day hold period
Bonus may be considered taxable income and reported on Form 1099-MISC or Form 1042-S
Account must not be closed or restricted at time of payout
Bonus determined on day 45 based on deposit amount
Account must be opened through promotional page to receive bonus
Coupon code applied at application
Cannot combine with other Chase new money bonuses in 12-month period
Assets from J.P. Morgan Chase & Co. or affiliates are not eligible
Losses due to trading or market fluctuation will not disqualify the bonus
Bonus will be determined on day 45
Must open account from promotional page to receive bonus offer
Trading losses and market fluctuations do not impact original deposit amounts for bonus qualification
Bonus amount determined on day 45 based on deposits made by that date
Bonus is treated as income and will be reported on IRS Form 1099-INT
Losses due to trading or market fluctuation do not affect bonus qualification
Bonus amount determined on day 45 based on total deposits
Coupon code required to receive offer
Losses due to trading or market fluctuation will not be taken into account against the qualifying deposit amount
Account types eligible: General Investment (individual or joint), Traditional IRA, or Roth IRA
Investment and insurance products are not deposits, not FDIC insured, and may lose value
Available for General Investment, Traditional IRA, and Roth IRA account types
IRA funds can be rolled over and count toward the bonus
Losses due to trading or market fluctuation will not be counted against the 90-day holding period
Must open account through promotional link to receive bonus
Bonus determined on day 45
Cash promotion limited to one per customer and one new account
Cannot participate in Chase Private Client Checking or Chase Sapphire Checking bonus within 12 months
Losses due to trading or market fluctuation do not affect the 90-day hold requirement
Bonus is taxable income; Form 1099-MISC may be issued
Must open account through promotional page with coupon code
Offer does not apply to J.P. Morgan Automated Investing or advisor-opened accounts
Trading losses or market fluctuations do not affect the original deposit amount credited toward the bonus tier
Bonus is credited directly to the Self-Directed Investing account
Only applies to Self-Directed Investing accounts (not Automated Investing or advisor-serviced accounts)
Available for individual brokerage accounts, joint accounts, Traditional IRAs, and Roth IRAs
Account types eligible: General Investment (brokerage), Traditional IRA, Roth IRA
Trading/market losses do not reduce qualifying new money balance for bonus purposes
Bonus considered income, reportable to IRS on Form 1099-MISC or 1042-S
Losses due to trading or market fluctuation do not affect hold period
Bonus is determined on day 45
Investments are not FDIC insured and may lose value
SIPC coverage up to $500,000
Coupon code applied automatically when opening from offer page
