Welcome to your J.P. Morgan Financial Center

You are eligible for the Private Client Program when you (i) have an active, eligible personal deposit or investment account with us on which you are the owner or co-owner, and (ii) maintain the balance required for any one of the Tiers in any combination of Eligible Accounts with us (collectively, “Eligible Balances”). You can satisfy the combined balance requirement for invitation to Private Client when (i) you have at least one active, Eligible Account open for a minimum of 30 calendar days, and (ii) your 30-Day Combined Average Daily Balance meets or exceeds the threshold for Private Client.

We will perform an annual review of your Balances on the day of the annual anniversary date of your initial participation in the program. The annual review will calculate your 30-day Combined Average Daily Balance as of the day prior to your anniversary day. If the annual review calculation results in moving you to a lower Tier, your Benefits, including the accounts that were available to you in association with your prior higher Tier, may be changed to those of the Tier for which you then qualify, without further notice. Please note that while you can be moved to the higher Tier after any day in which you satisfy the 30-day Combined Average Daily Balance requirement for that Tier, you will only be moved to a lower tier as a result of an annual review. At the annual review, we will also confirm that you still have an active, eligible personal Account with us. If, as a result of the annual review, you do not qualify for any Tier, or you no longer have an eligible personal Account, your qualification into the Program will discontinue.

Customers who work with a J.P. Morgan Private Client Advisor generally intend to invest $100,000 or more. 

IMPORTANT: The projections or other information generated by Wealth Plan regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. 

Source: J.P. Morgan 2023 Annual Report, unless otherwise noted. $5.3+ trillion represents assets under management, as well as custody, brokerage and administration. As of October 2023.

The views and strategies described in this document may not be suitable for all investors and more complete information is available from a J.P. Morgan representative that discusses risks, liquidity, and other matters of interest. Past performance is not a guarantee of future results. 

Asset allocation/diversification does not guarantee a profit or protect against a loss. 

Eligible Accounts include personal accounts on which you are the owner or co-owner, including: JPMorgan Chase Bank, N.A., deposit accounts including checking, savings, and CDs, including Revocable grantor trust accounts, J.P. Morgan Wealth Management and J.P. Morgan Advisors Investment accounts held with J.P. Morgan Securities, LLC, including IRA accounts (Traditional, Roth), Annuities and Revocable Grantor Trust Accounts

The following account balances do not qualify as Eligible Accounts: Accounts on which you are not an owner or co-owner. For example, accounts on which your role is Custodian, Administrator, Power of Attorney, Beneficiary, Guardian, Executor, or Authorized Signer, 529 plans, ERISA accounts, Uniform Transfer to Minors Accounts (UTMA) and Uniform Gift to Minors Accounts (UGMA), Business or commercial accounts, certain J.P. Morgan Private Bank accounts, Irrevocable trust accounts, Employee benefit plans (such as 401(k) plans) and Donor-advised funds.

You will qualify for the higher Tier when your 30-day Combined Average Daily Balance meets or exceeds the minimum amount for that Tier. You will be moved to a higher Tier, generally starting the next business day after you satisfy the combined balance requirement.

 To earn preferred rates, the J.P. Morgan Private Client Savings account must be linked to either a J.P. Morgan Private Client Checking Plus or J.P. Morgan Classic Checking account that had at least five of any of the following types of client-initiated transactions within the monthly statement cycle: ACH, ATM, check, debit card point of sale, internet, teller or wire transfer. The preferred rates will be applied to your savings account throughout the next statement period. Interest on J.P. Morgan Private Client Savings is compounded monthly, and computed on a 365-day basis.

There are no ATM fees at non-Chase ATMs. We will refund ATM Surcharge Fees charged by the ATM owner/network or by other institutions. This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these Surcharge Fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund is not processed, please contact us. There is no Foreign Exchange Rate Adjustment Fee when conducting transactions in a foreign currency. If you choose to convert an international transaction to U.S. dollars at either an ATM or on a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from Surcharge Fee reimbursements. The “No Fee” benefit applies based on your account having this benefit when the debit card or ATM transaction is posted on the account.

For wire transfers, the “No Fee” benefit applies to the Basic Services and Fees listed on the Fee Schedule for all types of J.P. Morgan Personal Checking and Savings accounts, which can be found by speaking to your dedicated banker, and does not apply to the spread included in the foreign currency exchange rate. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers, including on returned wire transfers. Any deductions taken by us, and our affiliates, may include processing fees we charge.

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