Funding your account with transfers and rollovers

No, J.P. Morgan doesn’t charge any fees for incoming transfers. However, the institution that you’re moving assets out of may charge a fee, so you should check with them before scheduling a transfer.

We’ll make sure to email you updates about your transfer. Plus, you can check the status of a transfer anytime by going to the securities transfer activity page.

The following securities cannot be transferred online into a J.P. Morgan investment account:

• Annuities
• Caveat emptor and expert market securities
• Life insurance
• Futures
• Short security positions
• Physically held securities
• Cryptocurrencies
• Foreign currencies
• Securities sold exclusively by your prior firm

If you try to transfer any of these, we may have to cancel the entire transfer request.

To convert your J.P. Morgan Traditional IRA to a J.P. Morgan Roth IRA, go to our Brokerage Forms page and choose "Roth Conversion." Complete the form and send it to the address provided. There are eligibility requirements for a Roth IRA so make sure you speak to your tax advisor. If you need help, you can call us at 1-800-392-5749, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET.

If you have a J.P. Morgan advisor, please work with them directly to convert your account. 

It typically takes 3 to 5 business days to complete transfers between ACAT-eligible institutions. For non-ACAT institutions, transfers can take 7 to 20 business days once all paperwork is received. We'll notify you by email about the status of your transfer changes.

Note: The ACAT (Automated Customer Account Transfer) service is a system that facilitates the transfer of securities from one investment account at a financial institution to another financial institution.

No, J.P. Morgan doesn’t charge any fees for rollovers. However, the institution that you’re moving assets out of may charge a fee. You should check with them before scheduling a rollover. 

Yes, generally speaking you can combine rollovers and contributions in the same IRA. However, Traditional IRA and Roth IRA funds must be kept in separate accounts.

Our retirement desk is available Monday–Friday from 9 AM to 6 PM ET at 1-833-ROLLOVR. You can also contact your J.P. Morgan advisor if you have one, or your tax or legal professional.