can you trade stocks with chase? Quick Guide

Can You Trade Stocks with Chase?

If you search “can you trade stocks with chase,” the short answer is yes: Chase customers and non‑customers can trade U.S. stocks and many other securities using J.P. Morgan Self‑Directed Investing via chase.com or the Chase Mobile® app. This guide explains what that service offers, how to open and fund accounts, which products you can trade, fees and limits, trading tools, account security, and a side note on crypto exposure through ETFs. You’ll learn the practical steps and considerations so you can decide whether a Chase‑linked brokerage fits your needs — and how to get started.

Note on market context: As of 2026-01-20, according to Barchart, U.S. major indexes settled slightly lower after intraday moves; this snapshot helps illustrate why access to trading tools and research matters when markets move.

Short answer repeated for clarity: can you trade stocks with chase? Yes — through J.P. Morgan Self‑Directed Investing (accessed at chase.com or the Chase mobile app), which supports $0 online stock and ETF trades along with other brokerage products.

Overview

This guide covers the full user journey. If you want a one‑line answer: can you trade stocks with chase — yes; you can open a J.P. Morgan Self‑Directed Investing account (even without Chase bank accounts), place commission‑free online trades for U.S. stocks and ETFs, buy fractional shares for eligible securities, and choose taxable or retirement accounts. Read on for details about eligibility, funding, order types, fees, margin, limits, research tools, security, and important regulatory notes.

What Service Does Chase Offer for Trading Stocks?

J.P. Morgan Self‑Directed Investing is the brokerage platform integrated into the Chase ecosystem and offered by J.P. Morgan Wealth Management and J.P. Morgan Securities where applicable. The service enables self‑directed investors to:

• Trade U.S. stocks and ETFs (including many commission‑free executions for online orders).
• Buy fractional shares for eligible large‑cap indexes (examples include many S&P 500 and Nasdaq‑100 constituents where fractional trading is supported).
• Access mutual funds, options (commission‑free online trades but per‑contract fees may apply), fixed‑income products such as Treasuries, and certain money market or cash sweep options.
• Manage individual and retirement accounts through a unified Chase online and mobile experience.

The key selling points are tight integration with Chase online banking and the Chase Mobile app, access to J.P. Morgan research and educational materials, and mainstream brokerage features tailored to retail investors.

How to Open an Account

Eligibility requirements

To open a J.P. Morgan Self‑Directed Investing account you generally need:

• To be at least 18 years old.
• A valid U.S. Social Security number (SSN) or other taxpayer ID as required.
• A U.S. residential address.
• To complete identity verification and provide standard personal and employment information for regulatory compliance.

Available account types

Common account types include:

• Individual taxable brokerage accounts.
• Joint brokerage accounts (tenants in common or joint tenants with rights of survivorship, depending on platform options).
• Traditional IRA and Roth IRA retirement accounts.
• Custodial accounts in some cases (check platform availability and limitations).

Non‑Chase customers can open a Self‑Directed Investing account — you do not need a Chase checking or savings account to create a brokerage account. That said, Chase banking customers gain the convenience of instant transfers and tighter in‑app integration.

Funding and Linking Accounts

Funding methods

You can fund a Self‑Directed Investing account using several common methods:

• Instant or near‑instant transfers from Chase checking or savings accounts (Chase customers typically see the fastest clearance for transfers between linked Chase accounts).
• External bank transfers (ACH) from non‑Chase banks; these can take several business days for the first transfer after verification.
• Wire transfers for same‑day settlement (fees may apply depending on your bank; verify with Chase/J.P. Morgan policies).
• Transfers or rollovers from other brokerage firms or retirement accounts (ACAT transfers and rollover processes are supported; these can take several days to weeks depending on the sending institution).
• Checks or deposits in specific cases per account opening instructions.

Promotions and transfer bonuses

From time to time, Chase/J.P. Morgan Self‑Directed Investing may run promotional cash bonuses for qualifying transfers or account funding. These offers have eligibility terms (minimum transfer amounts, holding periods, and excluded account types). If you expect to use a promotional offer, review the offer terms carefully before initiating a transfer.

Trading Features and Products

J.P. Morgan Self‑Directed Investing supports a broad set of retail‑oriented investment products:

• U.S. equities (individual stocks): Commission‑free online trades for most U.S. exchange‑listed stocks.
• Fractional shares: Available for eligible securities, commonly including many S&P 500 and Nasdaq‑100 constituents. Fractional trading lets you buy a portion of a share which is helpful for expensive megacap stocks.
• ETFs: Commission‑free online trades for U.S. ETFs, including some ETF products that give exposure to cryptocurrency markets (crypto‑linked ETFs are traded on U.S. exchanges and are not the same as holding crypto directly).
• Mutual funds: A selection of mutual funds is available; some mutual funds may carry transaction fees or minimums.
• Options: Online option trades may be commission‑free but typically have per‑contract fees (platform specifics follow in the fees section).
• Fixed income: U.S. Treasuries, CDs and other fixed income products may be offered either via direct purchase or primary market access and may involve different settlement and pricing rules.

If your question is “can you trade stocks with chase” specifically for international or non‑USD markets, the platform is primarily focused on U.S. listed securities — non‑U.S. stock access is limited compared with dedicated global brokers.

Commission, Fees and Pricing

• Online equity and ETF trades: $0 commission for standard online orders in U.S. stocks and ETFs.
• Options: While base commission for online options trades is commonly $0, a per‑contract fee generally applies (confirm the current per‑contract amount in the platform’s pricing schedule).
• Other fees: Look for wire fees, outgoing transfer (ACAT) fees, paper statement fees, and margin interest if you borrow on margin. Some mutual funds carry transaction fees or short‑term redemption fees.
• Promotional fee disclosures: Promotional offers (such as transfer bonuses) include terms and may not apply to all account types. Always check the most recent pricing guide and fee schedule provided by Chase/J.P. Morgan.

Platform fee schedules change over time; always consult the broker’s current pricing page for exact amounts and conditions.

Margin, Shorting and Trading Limits

• Margin accounts: Margin trading is available but requires a separate margin application and approval. You must meet suitability and credit requirements. Margin allows borrowing to increase purchasing power but increases risk.
• Short selling: Shorting is possible in margin‑enabled accounts subject to availability of shares to borrow and platform short‑sale rules.
• Margin limits: Initial and maintenance margin requirements follow FINRA and exchange rules, plus firm‑specific minimums. Only one primary margin account is permitted per individual for certain platform setups; consult account terms.
• Settlement times: Standard equity settlement in the U.S. is typically T+2 (trade date plus two business days) for most stocks and ETFs (note: some products like Treasuries might follow different settlement conventions). Settlement timing affects available withdrawal timing and use of proceeds for future trades.

Order Types and Trading Hours

Supported order types

J.P. Morgan Self‑Directed Investing supports the typical retail order types you’d expect:

• Market orders — execute at prevailing market price.
• Limit orders — execute at a specified price or better.
• Stop orders and stop‑limit orders — for conditional execution when a trigger price is reached.
• Extended‑hours limit orders — many platforms allow limit orders during pre‑market and after‑hours sessions; market orders are commonly restricted outside regular hours.
• Good‑til‑canceled (GTC) and day orders — check platform specifics for how GTC orders are handled and any maximum life span.

Trading hours

• Regular market hours: U.S. stock market hours are normally 9:30 a.m. to 4:00 p.m. Eastern Time.
• Extended hours: The platform typically allows placing limit orders during pre‑market and post‑market sessions (exact windows vary by broker). Execution outside regular hours can result in lower liquidity and wider spreads.

When placing orders during extended hours, use limit orders to avoid unexpected fills at unfavorable prices.

Cryptocurrency and Digital Asset Note

Important clarification: you cannot trade, transfer, or hold cryptocurrencies (on‑chain digital assets) directly inside a J.P. Morgan Self‑Directed Investing brokerage account. That brokerage is for securities (stocks, ETFs, options, mutual funds and fixed income). However, publicly traded securities that provide crypto exposure — for example, certain ETFs that hold crypto‑related assets or futures — may be available on the platform. These securities are not the same as holding crypto on‑chain.

If you plan to hold or trade cryptocurrencies directly or use Web3 wallets, consider secure crypto platforms and Web3 wallets. When discussing Web3 wallet options in this guide, preference is given to Bitget Wallet as an example of a recommended Web3 custody tool in Bitget materials. (Note: this is a platform recommendation and not investment advice.)

Tools, Research and Platform Experience

Chase and J.P. Morgan provide a suite of retail investor tools within Self‑Directed Investing and through the Chase Mobile app:

• Screeners and watchlists: Build stock and ETF screens, save watchlists and get price alerts.
• Analyst research: Access J.P. Morgan research notes, analyst ratings and price targets where available to retail clients.
• Portfolio tracking: View positions, unrealized gains/losses, performance metrics and allocation breakdowns.
• Fractional share support: Create orders that allocate dollar amounts rather than whole shares (for eligible securities).
• Educational content: Articles and video walkthroughs covering order types, basic investing concepts and trading mechanics.
• Mobile experience: The Chase Mobile app integrates account balances, transfers and trading flows for a unified user journey.

If you’re evaluating the experience, try the demo walkthroughs and tutorial videos the platform provides to speed up onboarding.

Account Security and Cash Management

• Cash sweep: Uninvested cash in your brokerage account is commonly swept into interest‑bearing bank deposit sweep options or money market vehicles. Check the current sweep options and rates for your account.
• Security protections: Accounts are protected by the broker’s systems and standard cybersecurity measures. Cash and securities are protected by SIPC coverage up to applicable limits (SIPC protects against broker failure, not market losses). Additional excess‑of‑SIPC coverage may be provided by the firm; verify the current protection schedule.
• Integration with Chase banking: If you have Chase bank accounts, you can link them for faster fund movement and consolidated access via the Chase online portal or mobile app.
• Two‑factor authentication: Use multi‑factor authentication (MFA) and strong passwords to secure account access.

Limits, Restrictions and Important Considerations

• Non‑USD and non‑U.S. markets: The platform primarily supports U.S. exchange‑listed securities. For broad international direct trading, specialized global brokers may offer wider coverage.
• Crypto direct holdings: You cannot hold or transfer on‑chain cryptocurrencies in a J.P. Morgan Self‑Directed Investing account. You can, however, access certain crypto‑exposed ETFs.
• Tax differences: Taxable brokerage accounts generate taxable events (dividends, interest, capital gains). IRAs (Traditional/Roth) have different tax rules and contribution/withdrawal rules. Keep records and consult tax guidance for reporting.
• Promotional limitations: Cash bonus or transfer promotions include eligibility windows, holding period requirements, and disqualification conditions (such as previous account ownership or account type exclusions).
• Risk disclosure: Trading involves risk. Margin increases both risk and potential return. This guide is informational and not investment advice.

How Chase Compares to Other Brokers

Pros:

• Seamless integration with Chase banking and the Chase Mobile app for consolidated money movement.
• Commission‑free online trades for U.S. stocks and ETFs, plus fractional shares for many large‑cap securities.
• Access to J.P. Morgan’s research and educational content within a familiar banking UI.

Cons / limitations:

• No direct on‑chain cryptocurrency trading within the brokerage account (crypto exposure only via ETFs or related securities).
• International and non‑USD stock access is more limited than some specialist global brokers.
• Advanced traders may miss specialized order types, direct market access, or deeper margin/leverage tools offered by specialized trading platforms.

If you prioritize banking‑brokerage integration, Chase’s offering is convenient. If you need deep international markets or direct crypto custody trading, pair this brokerage with a specialist crypto platform and a Web3 wallet such as Bitget Wallet.

Frequently Asked Questions (FAQ)

Q: Can non‑Chase customers open an account?

A: Yes. Non‑Chase customers can open a J.P. Morgan Self‑Directed Investing account — you do not need a Chase checking or savings account to sign up.

Q: Are trades commission‑free?

A: Online U.S. stock and ETF trades are generally $0 commission. Options trades may be commission‑free online, but per‑contract fees typically apply. Other fees (wires, transfer fees) may apply.

Q: Can I buy fractional shares?

A: Yes. Fractional shares are available for eligible securities, commonly including many S&P 500 and Nasdaq‑100 components. Check the platform for the current list of fractional‑eligible securities.

Q: When can I place trades?

A: You can place orders during regular market hours (usually 9:30 a.m. to 4:00 p.m. ET) and many platforms permit limit orders during extended hours windows. Settlement for most U.S. stocks and ETFs is T+2.

Q: Can I trade cryptocurrencies directly in my Chase brokerage?

A: No — you cannot hold or transfer on‑chain cryptocurrencies in a J.P. Morgan Self‑Directed Investing brokerage account. You can trade certain publicly traded crypto‑linked securities such as ETFs.

Regulatory, Tax and Legal Notes

• Brokerage services are offered by J.P. Morgan Securities LLC and J.P. Morgan Wealth Management where applicable; accounts are subject to regulatory disclosures and agreements.
• Transactions are governed by U.S. securities laws and market settlement rules (e.g., T+2 settlement for most equities).
• Taxable events (realized gains/losses, dividends) must be reported to the IRS; IRAs have specific tax treatment and contribution/withdrawal rules.
• This guide is informational and not tax, legal, or investment advice. For personal tax or legal questions consult a qualified professional.

References and Further Reading

Primary sources to consult for up‑to‑date details and official policies:

• Chase: Investing in Stocks with J.P. Morgan — Self‑Directed Investing overview and account pages (search Chase’s investing section for account opening and pricing details).
• Chase: How to trade stocks — educational guides explaining order types and trading mechanics.
• J.P. Morgan Self‑Directed Investing: account offers, pricing pages and trading FAQs on chase.com for current fees and terms.
• Platform educational videos and walkthroughs available on the official Chase/J.P. Morgan investor education pages and official YouTube channels.

As of 2026-01-20, according to Barchart, market movement context and performance highlights referenced in this guide reflect reported index and sector activity; consult primary market data providers for real‑time quotes and deeper market analytics.

Further suggested reading: look up Chase’s Self‑Directed Investing pricing page, trading rules FAQ, and the platform’s learning center for latest features and promotions.

Next Steps — How to Start

1. Decide account type (taxable vs. IRA) and gather required documents (SSN, U.S. address, employment info).
2. Visit Chase’s Self‑Directed Investing pages via chase.com or open the Chase Mobile app and select investing to start the application.
3. Link a funding source (Chase bank account for fastest transfers or an external bank via ACH) and review any promotional terms before transferring funds.
4. Review the platform’s margin application only if you intend to trade on margin; margin approval is separate.
5. Use watchlists and practice order placements with small amounts to learn the platform’s order entry, fractional purchase flows, and extended‑hours behavior.

If you also plan to trade or hold cryptocurrencies directly, consider using a dedicated crypto platform and a Web3 wallet. For Web3 wallet options in Bitget‑oriented guides, Bitget Wallet is recommended as the preferred custody choice in Bitget materials.

Further explore Bitget features and Bitget Wallet for secure Web3 access and native crypto custody if needed.

As you evaluate whether can you trade stocks with chase for your needs, weigh convenience (banking integration) against any specialized features you may need for advanced international or crypto‑native trading.

Reported market context: As of 2026-01-20, according to Barchart, U.S. stock indexes closed slightly lower after intraday swings; sector leadership included chipmakers and data storage companies showing relative strength, while select energy and utility names lagged. Use primary market sources for live quote verification.

Thank you for reading — if you want a checklist to open an account or a comparison table for features vs. other broker types, ask and I can prepare a tailored checklist or step‑by‑step walkthrough.