does chase bank offer stock trading? A guide
Does Chase Bank Offer Stock Trading?
Short answer: Yes. For retail customers, Chase Bank offers stock trading through J.P. Morgan Wealth Management’s self‑directed brokerage platform (J.P. Morgan Self‑Directed Investing), accessible online at chase.com and via the Chase Mobile app. This article explains what you can trade, account types, pricing, limits, security and how to get started.
Overview
This guide answers the core question — does chase bank offer stock trading — and explains how Chase integrates brokerage capabilities into its consumer banking ecosystem. Chase provides retail customers the ability to buy and sell U.S. stocks, exchange‑traded funds (ETFs), fractional shares, options and other securities through J.P. Morgan Self‑Directed Investing. The service is accessible from the Chase Mobile app and chase.com, allowing banking and brokerage accounts to interact smoothly for funding and transfers.
History and Context
Chase Bank and J.P. Morgan are parts of the same corporate group: JPMorgan Chase & Co. Chase serves consumer banking needs while J.P. Morgan Wealth Management provides investment and brokerage services. Over the last decade, major banks and brokerages have aligned branding and operations to make investing more accessible to retail customers — embedding trading tools into bank apps, offering commission‑free stock and ETF trades, and adding fractional shares to lower the barrier to entry.
Industry trends that shaped Chase’s offering include the move to commission‑free online trades, the rise of fractional shares for small investors, and integration of advisory and self‑directed options under unified account access. J.P. Morgan Self‑Directed Investing channels these capabilities to Chase customers, while advisory and wealth management services remain available for clients who want managed advice.
Products and Services Offered
Stocks and ETFs
Chase customers can use J.P. Morgan Self‑Directed Investing to buy and sell thousands of U.S.‑listed stocks and ETFs. The platform supports common market and limit orders for U.S. equities and a wide selection of ETF strategies, including ETFs that provide exposure to sectors tied to technology, AI, energy, commodities and — where available — ETFs that track crypto markets indirectly (for example, ETFs holding securities linked to digital‑asset exposure rather than direct token holdings). This is a securities ETF exposure, not direct custody or trading of cryptocurrencies themselves.
Fractional Shares
Fractional share trading is supported for eligible U.S.‑listed securities. Investors can buy fractional shares starting at low minimums (J.P. Morgan’s published thresholds apply), letting customers invest fixed dollar amounts rather than whole shares. Fractional purchases make it easier to diversify into large‑cap names or expensive stocks and ETFs with modest capital.
Practical notes: fractional share trading can simplify regular investing and dollar‑cost averaging, but fractional positions may have restrictions (see the "Restrictions" section below).
Options and Other Products
Options trading is available via J.P. Morgan Self‑Directed Investing. Online equity and ETF trades are commission‑free; options contracts may carry per‑contract fees and margin or assignment fees where applicable. The platform also offers access to mutual funds, U.S. Treasuries, money market funds, and a range of fixed‑income products. Availability of certain mutual funds or fixed‑income securities may depend on the account type and platform eligibility.
Account Types
Brokerage account types offered include:
- Taxable (individual) brokerage accounts
- Traditional Individual Retirement Accounts (Traditional IRAs)
- Roth IRAs
- Trust accounts (custodial or trust arrangements)
- Margin accounts (available with a separate margin application and approval)
Pricing, Fees, and Limits
Commissions and Fees
One of the major changes in retail brokerage pricing over recent years has been the elimination of most online commissions for U.S. equities and ETFs. J.P. Morgan Self‑Directed Investing follows that trend: unlimited $0 commission online trades for eligible U.S. stocks and ETFs. However, there are ancillary fees to be aware of:
- Options: per‑contract fees may apply even if the base commission is $0 online.
- Wire transfers, outgoing account transfers (ACAT), and certain account service fees may be charged per the broker’s fee schedule.
- Margin interest applies when you borrow on margin and is calculated based on balances and margin rates.
Always consult the official Chase / J.P. Morgan fee disclosures for the most current schedule and to see any account‑specific fees.
Settlement and Withdrawals
Trade settlement for U.S. stocks and most ETFs typically follows the standard T+1 or T+2 timeline depending on the security type (recent industry move to T+1 for most equities). After a trade settles, proceeds are available for withdrawal or transfer. Instant funding and instant buying power may be offered for internal transfers between Chase bank accounts and J.P. Morgan brokerage accounts, but unsettled funds used to buy securities are subject to settlement rules and may not be immediately withdrawable. Check your account’s trade confirmations and platform notices for settlement specifics.
Restrictions on Fractional Shares and Transfers
Fractional shares are a product feature of the brokerage platform and generally cannot be transferred as fractional positions to other brokerages. If you transfer an account holding fractionals out to another broker, the platform may sell the fractional positions for cash before transfer or convert them per the broker’s transfer procedures. Fractional shares may also have limitations in corporate actions (mergers, spin‑offs) and may not carry full proxy voting rights in the same way as whole shares. Read the fractional share terms in the broker’s disclosures for exact details.
Platform and Access
Chase Mobile App and chase.com
Trading is integrated within the Chase Mobile app and on chase.com. If you’re a Chase bank customer, you can link bank accounts and brokerage accounts to enable instant transfers for funding trading activity. The unified login and navigation make it simple to move money between everyday banking and investing. The mobile app provides market quotes, order entry, account balances and basic research tools; more advanced trading and research functions may be accessed via the full J.P. Morgan Self‑Directed Investing web experience.
Trading Hours and Order Types
Online trading for U.S. equities generally follows regular market hours (9:30 a.m. to 4:00 p.m. ET). Many retail trading platforms also allow certain order types for extended hours: pre‑market and after‑hours trading, which often accept only limit orders (market orders may be restricted outside regular session). Users should be aware that extended‑hours trading often has lower liquidity and wider spreads. Check the platform help center or order entry screen for the exact hours supported and which order types are permitted during extended sessions.
Account Opening and Requirements
Typical eligibility and requirements to open a J.P. Morgan Self‑Directed Investing account through Chase include:
- U.S. residency (citizen or lawful resident) and a U.S. mailing address
- Age 18 or older (or the minimum age for a custodial account)
- Social Security number or Tax Identification Number
- No minimum deposit required to open a standard Self‑Directed brokerage account in most cases; certain account features (margin, options) require separate approvals and may have deposit or balance requirements
Applications are commonly reviewed quickly; many applicants receive account access within one business day pending identity verification and approval for any optional features (margin, options trading). Funding options include ACH transfers from linked Chase deposit accounts, internal instant transfers, and wire transfers.
Promotions and Transfer Bonuses
J.P. Morgan Self‑Directed Investing and Chase periodically run promotions and transfer bonuses for new brokerage accounts or asset transfers. Typical promotions offer tiered cash bonuses for transferring qualifying assets above certain thresholds or for funding new accounts to a minimum balance within a specified time. These offers usually require opening the account via a specified promotional link or code and meeting timing and balance conditions; check the promotion terms carefully for eligibility, minimums, and any required holding periods.
Limitations and Notable Exclusions
Cryptocurrencies / Digital Assets
Does Chase Bank offer stock trading that includes cryptocurrencies? No. J.P. Morgan Self‑Directed Investing does not provide direct trading, custody or transfer of cryptocurrencies (tokens) inside brokerage accounts. Customers who want exposure to crypto‑related markets may access certain regulated securities such as ETFs that hold crypto‑linked instruments where available, but direct spot crypto trading requires a crypto exchange or brokerage that offers digital asset custody. If you seek web3 wallet or exchange services, Bitget and Bitget Wallet are options to consider for digital asset trading and custody.
International and Non‑U.S. Securities
The platform primarily supports U.S.‑listed securities. Access to direct trading on international exchanges is more limited; investors typically obtain international exposure through U.S.‑listed ETFs, ADRs (American Depositary Receipts) or mutual funds. For specific foreign market access, review the broker’s product roster or contact customer support.
Security, Regulation and Custody
Brokerage accounts with J.P. Morgan Wealth Management are regulated under U.S. securities laws and overseen by relevant regulators. Customer securities held in brokerage accounts are typically protected by SIPC insurance up to applicable limits for missing assets due to broker failure; SIPC protection does not cover declines in market value. In addition to SIPC, many large brokerages maintain private insurance or excess coverage — see official disclosures for details.
Custody of brokerage assets is handled by the brokerage’s custodial infrastructure (J.P. Morgan / Chase custodial arrangements). The platform uses bank‑level security practices including multi‑factor authentication, encryption and account monitoring. Always enable available security features (secure password, two‑factor authentication) and review account activity regularly.
How to Get Started
Step‑by‑step (at a glance):
- Create or sign in to your Chase online account or the Chase Mobile app.
- Navigate to J.P. Morgan Self‑Directed Investing and choose to open a new brokerage account.
- Provide personal information (SSN, address, employment and financial details) and select the account type (individual, IRA, trust, margin).
- Complete identity verification; if applying for margin or options, complete the separate agreements and applications.
- Fund the account — instant transfers from linked Chase accounts often appear quickly; ACH and wire transfers are also available.
- Use the platform to research and place trades. Advisors and managed account options are available if you prefer guided investing.
Applications are commonly reviewed within one business day; additional documentation or review may lengthen the process for certain account types or features.
Comparison with Other Retail Brokers (brief)
When asked — does chase bank offer stock trading — many investors compare Chase/J.P. Morgan’s self‑directed offering to other retail brokers on a few core dimensions:
- Commissions: J.P. Morgan Self‑Directed Investing provides competitive $0 online commissions for eligible U.S. stocks and ETFs, in line with major retail brokers.
- Fractional shares: Supported, which helps small investors access expensive stocks.
- Banking integration: Strong — Chase customers benefit from instant internal transfers and a single sign‑on experience linking banking and brokerage services.
- Advisory services: J.P. Morgan offers both self‑directed and advised/wealth management services for customers who want managed portfolios or advice.
- Options and margin: Available, though options often carry per‑contract fees and margins require separate approval and interest payments.
These comparison points can help you decide if integrated banking + brokerage convenience is a priority versus specialized broker platforms that may offer different research tools, commission structures, or international market access.
Frequently Asked Questions (selected)
Is trading commission‑free on Chase/J.P. Morgan? Yes — online trades for eligible U.S. stocks and ETFs are generally $0 commission; options contracts may have per‑contract fees and other service fees can apply per the fee schedule.
Can I trade crypto in my Chase brokerage account? No. Youcannot trade, transfer, or hold cryptocurrencies directly in J.P. Morgan Self‑Directed Investing accounts; exposure is available only through certain regulated crypto‑related ETFs if listed.
How long does it take to withdraw funds after a trade? Settlement for most equity trades is typically T+1 (one business day) or T+2 for some securities; proceeds usually must settle before being withdrawn. Instant internal transfers from Chase bank accounts may be available for funding purchases.
Can I use margin? Yes — margin accounts are available but require a separate application and approval; margin borrowing incurs interest and has specific maintenance requirements.
Are fractional shares transferable to another broker? Fractional shares generally cannot be transferred as fractional lots to other brokers. A transfer may require selling fractional positions or converting them per the broker’s transfer procedures.
Market Context and Timing (news reference)
As you consider whether to open or fund a brokerage account, market context can matter. As of 2026‑01‑22, according to Yahoo Finance, U.S. stocks rose on optimism from chipmaker forecasts and bank earnings, with the Nasdaq and S&P 500 posting gains amid rotating investor interest in AI‑linked names and financials. This type of market movement illustrates why some investors use a combined bank‑brokerage platform to move quickly between cash and investments. (截至 2026‑01‑22，据 Yahoo Finance 报道：TSMC’s strong outlook and big‑bank earnings helped push equities higher.)
Note: this market summary is factual context and does not constitute investment advice.
References and Sources
The following official materials and platform help pages were referenced for this article’s factual content and product details:
- J.P. Morgan Self‑Directed Investing — product overview and account types (official platform pages)
- J.P. Morgan Self‑Directed Investing — frequently asked questions and fee disclosures
- Chase Mobile app and chase.com help center — trading access and account linking
- J.P. Morgan Wealth Management — advisory vs. self‑directed services overview
- Market news summary: Yahoo Finance market coverage (reporting dated 2026‑01‑22) for context on recent equity moves
See Also
- J.P. Morgan Wealth Management
- Online brokerage
- Fractional share trading
- Brokerage account types
- SIPC insurance
Practical Next Steps and Where Bitget Fits
If you want to trade U.S. stocks and ETFs while keeping banking and brokerage under one login, J.P. Morgan Self‑Directed Investing via Chase is a direct and integrated option. If your interest extends to direct cryptocurrency trading, that is outside the scope of Chase brokerage accounts — for crypto markets consider regulated crypto platforms and custodial services. For web3 wallets and crypto exchange services, Bitget and Bitget Wallet offer focused tools for trading and custody of digital assets.
Ready to act? Open a Self‑Directed Investing account in the Chase Mobile app or on chase.com to start trading U.S. stocks, ETFs and options; or explore Bitget Wallet for digital asset needs. Remember to review fee disclosures, margin and options agreements, and the platform’s help center to understand risks and requirements before trading.
Want more help comparing features or walking through an account opening? Explore platform help centers or contact customer support for step‑by‑step assistance.
