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Work with a J.P. Morgan Private Client Advisor to get access to Premium Deposit
- where you can earn more on your cash1

Call 1-833-930-4508 Click here to call

Annual Percentage Yield

No

as of the

Enjoy an interest rate thats up to 9x the national average

When you work with a dedicated J.P. Morgan Private Client Advisor, you'll receive a personalized investment strategy and access to a suite of products including J.P. Morgan Premium Deposit.

With J.P. Morgan Premium Deposit, you can access funds with same-day availability while earning interest at a rate that's up to 9x higher than the national average. J.P. Morgan Premium Deposit is an FDIC insured deposit product from JPMorgan Chase Bank (Chase Bank) accessed through an eligible J.P. Morgan Wealth Management brokerage account. 

Call 1-833-930-4508 Click here to call
Connect Now Click here for Premium Deposit

Features of J.P. Morgan Premium Deposit

We have tools and resources to help you take control of your cash and investments.

A competitive yield3

Earn an enhanced rate up to 9x higher than the interest earned in your average sweep or savings account.

FDIC insured4

Your deposits are FDIC-insured up to the allowable limits1 and you can feel confident knowing your money is held with one of the world’s leading financial firms.

Same-day availability2

Access your cash with same-day availability through your J.P. Morgan Advisor- giving you visibility and access when you want to make purchases or quickly take advantage of market opportunities. 

How it works

 

  • When you open a brokerage account with a J.P. Morgan Private Client Advisor you are able to deposit money into a J.P. Morgan Premium Deposit with an initial minimum deposit of $100,000
  • The interest rate paid by Chase Bank on J.P. Morgan Premium Deposit balances will vary based on business and economic conditions
Call 1-833-930-4508 Click here to call

Speak to a J.P. Morgan team member Monday–Friday from 8 AM to 9 PM ET or visit a local branch to begin working with a J.P. Morgan Advisor and access Premium Deposit

For full details, see our Disclosures and Product Fact Sheet.

Enjoy a free 1:1 investment consultation when you work with a J.P. Morgan Private Client Advisor

Work closely with a dedicated advisor who takes a personalized approach to delivering strategies that help you reach your unique goals.

Trusted expertise

Our advisors use J.P. Morgan’s industry-leading research and investment expertise to help you navigate every milestone and opportunity.

Holistic view - all in one place

Manage all of your Chase banking, J.P. Morgan investing and borrowing, and conveniently transfer money on the Chase Mobile® app or at chase.com.

Custom portfolio - focused on your goals

Your Private Client Advisor will help you prioritize your goals and design a custom portfolio - which can include a range of managed, brokerage and insurance products.

1. Product availability is subject to qualification and approval. Both client and account eligibility apply.
a. J.P. Morgan Premium Deposit is available for purchase in individual, joint or trust taxable J.P. Morgan Wealth Management brokerage accounts. J.P. Morgan Wealth Management managed, retirement and entity accounts are not eligible. Clients must also be U.S. domiciled and W-9 certified. The maximum total deposit for J.P. Morgan Premium Deposit is $3 million per account.
b. Chase Bank or J.P. Morgan Securities LLC, at their discretion, may also close J.P. Morgan Premium Deposit to new or additional deposits.
2. Same-day availability applies to withdrawal requests given to a J.P. Morgan Advisor by 4:00 p.m. Eastern Time on a business day, and generally will be processed on that business day. This product is not intended for clients who need access to funds to pay for daily or recurring expenses. Funds will not be automatically accessed to settle trade activity or to reduce a debit or margin loan on your eligible account.
3. Based on comparison to the National Deposit Rates – Savings ($2,500 Product Tier), as published on the National Rates and Rate Caps – Monthly Update as of February 1, 2023.
(https://www.fdic.gov/regulations/resources/rates).
4. Deposits placed in a J.P. Morgan Premium Deposit account are eligible for FDIC insurance up to applicable limits. All deposits at Chase Bank held in the same insurable ownership capacity will be aggregated for purposes of eligibility, including deposits maintained through the J.P. Morgan Chase Deposit account, which may be the sweep vehicle for your investment account. You are responsible for monitoring the total amount held with Chase Bank. For more information about FDIC insurance, please visit the FDIC website at: https://www.fdic.gov/deposit/deposits.

 

IMPORTANT INFORMATION REGARDING PREMIUM DEPOSIT ELIGIBILITY

  • Availability of J.P. Morgan Premium Deposit is subject to eligibility criteria including but not limited to account type, initial minimum deposit requirements and balance maximums.
    These criteria are subject to change at any time at the discretion of J.P. Morgan Securities LLC.
  • Terms of eligibility, balance requirements and premium are subject to change at any time. Chase Bank or JPMS, in their discretion, may also modify the terms, conditions and procedures relating to J.P. Morgan Premium Deposit. You will be notified of any changes that adversely affect you.

Deposit products and related services are offered by J.P. Morgan Chase Bank, N.A. Member FDIC.

J.P. Morgan Wealth Management is a business of J.P. Morgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by J.P. Morgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

©2023 JPMorgan Chase & Co. All rights reserved.

 

INVESTMENT AND INSURANCE PRODUCTS ARE:
• NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES
• SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

IMPORTANT INFORMATION

Securities-based lines of credit are extended at the discretion of JPMorgan Chase Bank, N.A. (“Chase Bank”) and Chase Bank has no commitment to extend a line of credit or make loans available to you under a line of credit. Any loan extended under a securities-based line of credit is subject to credit approval by Chase Bank and, if approved, the terms and conditions contained in definitive loan documentation governing the line of credit. Proceeds from a securities-based line of credit cannot be used to purchase, carry or trade securities. A line of credit collateralized by the securities in your investment account(s) involves certain risks and may not be suitable for all borrowers. Chase Bank assigns values to these securities and, at any time and without notice to you, may increase or decrease these values or change the eligibility of these securities as collateral. A decline in the value of these securities collateralizing your securities-based line of credit (whether due to a market downturn, market volatility or otherwise) directly impacts the amount of credit available to you and may require you to provide additional collateral and/or pay down your line of credit in order to avoid the forced sale of these securities by Chase Bank. The securities in your account may be sold to meet a collateral shortfall, and Chase Bank may sell your securities without contacting you. Some or all of the securities sold to meet a collateral shortfall may be sold at prices higher than their initial cost, which may result in adverse tax consequences. You should consult your tax advisor to fully understand the tax implications associated with pledging securities in connection with a loan. Please review these and other risks in more detail with your advisor, and make sure to read your line of credit documentation carefully so that you fully understand your obligations and the risks associated with this opportunity. An exercise of remedies by Chase Bank in connection with your securities-based line of credit may a ect the performance of your investment management or investment advisory account(s), and may cause such accounts to no longer conform to applicable investment guidelines. When selling securities, Chase Bank is not required to act in accordance with any fiduciary duty Chase Bank and its a liates might otherwise have as your investment manager or investment advisor. It is important to note that Chase Bank and its a liates may earn more if you borrow against your securities and other assets rather than liquidate assets to meet your cash needs. The Secured Overnight Financing Rate (“SOFR”) is a broad measure of the cost of borrowing cash overnight collateralized by U.S. Treasury securities. The SOFR is published by the Federal Reserve Bank of New York and is determined based on certain transactions in the U.S. dollar Treasury repo market. Since the SOFR is an overnight rate, it is published every Banking Day, but is e ective for the Banking Day prior to the date of publication. Refer to your definitive loan documentation for a definition of “Banking Day.” Because the SOFR is administered by the Federal Reserve Bank of New York, the Bank has no control over its determination, calculation or publication, and the Federal Reserve Bank of New York may alter the methods of calculation, publication schedule, rate revision practices or availability of the SOFR at any time without notice. The SOFR is a floating interest rate option, and changes in the SOFR can lead to a higher or lower cost of borrowing.

 

Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck

To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our  J.P. Morgan Securities LLC Form CRS and  Guide to Investment Services and Brokerage Products.

This website is for informational purposes only, and not an offer, recommendation or solicitation of any product, strategy service or transaction. Any views, strategies or products discussed on this site may not be appropriate or suitable for all individuals and are subject to risks. Prior to making any investment or financial decisions, an investor should seek individualized advice from a personal financial, legal, tax and other professional advisors that take into account all of the particular facts and circumstances of an investor's own situation. 

This website provides information about the brokerage and investment advisory services provided by J.P. Morgan Securities LLC (JPMS). When JPMS acts as a broker-dealer, a client's relationship with us and our duties to the client will be different in some important ways than a client's relationship with us and our duties to the client when we are acting as an investment advisor. A client should carefully read the agreements and disclosures received (including our Form ADV disclosure brochure, if and when applicable) in connection with our provision of services for important information about the capacity in which we will be acting.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

Equal Housing Opportunity logo

J.P. Morgan Chase Bank N.A., Member FDIC. Not a commitment to lend. All extensions of credit are subject to credit approval.

Investments in alternative investment strategies is speculative, often involves a greater degree of risk than traditional investments including limited liquidity and limited transparency, among other factors and should only be considered by sophisticated investors with the financial capability to accept the loss of all or part of the assets devoted to such strategies.

Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call, and that securities in the account may be sold to meet the maintenance call.  Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.​

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

Please read additional Important Information in conjunction with these pages.