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J.P. Morgan Self-Directed (Chase) vs Fidelity: fees and fine print
Full transfer-out: J.P. Morgan Self-Directed (Chase) $75 vs Fidelity $0, per each broker's official pages (checked Oct 30, 2026).
Last updated · 5 official sources (listed below)
The costs that don't show up in "$0 commissions": leaving, reverse splits, tender offers, and what idle cash earns. Every cell links to the broker's own page.
Where they differ
- Full ACATS transfer-out fee: J.P. Morgan Self-Directed (Chase) $75 vs Fidelity $0
- Partial transfer-out fee: J.P. Morgan Self-Directed (Chase) Not published vs Fidelity $0
- Reverse split / mandatory reorg fee: J.P. Morgan Self-Directed (Chase) Not published vs Fidelity $0
- Voluntary reorg / odd-lot tender fee: J.P. Morgan Self-Directed (Chase) Not published vs Fidelity $0
- Fractional share trading: J.P. Morgan Self-Directed (Chase) Yes ($5 min) vs Fidelity Yes ($1 min)
- Rate on uninvested cash: J.P. Morgan Self-Directed (Chase) Not published vs Fidelity 3.52%
| Fact | J.P. Morgan Self-Directed (Chase) | Fidelity |
|---|---|---|
| Full ACATS transfer-out fee | $75 Retirement accounts: also $75 when all assets are distributed or transferred out. source · Oct 30, 2026 | $0 One 'Transfer of assets' line; no full/partial split. source · Oct 30, 2026 |
| Partial transfer-out fee | Not published | $0 Same single line as full transfers. source · Oct 30, 2026 |
| Reverse split / mandatory reorg fee | Not published | $0 Foreign assets held in USD: 1% of principal. source · Oct 30, 2026 |
| Fractional shares after a reverse split | Not published | Not published |
| Voluntary reorg / odd-lot tender fee | Not published | $0 source · Oct 30, 2026 |
| DRIP (auto dividend reinvestment) | Yes source · Oct 30, 2026 | Yes source · Oct 30, 2026 |
| Fractional share trading | Yes ($5 min) Market orders only, during market hours. source · Oct 30, 2026 | Yes ($1 min) source · Oct 30, 2026 |
| Rate on uninvested cash | Not published | 3.52% 7-day yield of the Government Money Market Fund core position (SPAXX). Not an APY; varies daily. source · Oct 30, 2026 |
Full pages: J.P. Morgan Self-Directed (Chase) fees · Fidelity fees · J.P. Morgan Self-Directed (Chase) cash rate · Fidelity cash rate
Questions
Is it cheaper to leave J.P. Morgan Self-Directed (Chase) or Fidelity?
Full transfer-out: J.P. Morgan Self-Directed (Chase) $75, Fidelity $0 (official fee schedules).
Sources
- https://www.chase.com/personal/investments/online-investing/faqs/trading
- https://www.chase.com/personal/investments/online-investing/pricing
- https://www.fidelity.com/page/manage-cash-rising-costs
- https://www.fidelity.com/trading/commissions-margin-rates
- https://www.fidelity.com/trading/fractional-shares
Each source was read on or before Oct 30, 2026. Fees and rates change; confirm on the broker's site before acting.