As of 10 September 2026, JPMorgan Chase Bank, N.A. does not list a consumer product called a money market account. Its personal savings line-up, read today on chase.com and in the Deposit Account Agreement effective 14 June 2026, is four products: Chase Savings, Chase Premier Savings, Chase Private Client Savings and certificates of deposit. The phrase "money market" does appear at Chase in two other places, and both matter to anyone who typed this search: money market funds, sold through J.P. Morgan Self-Directed Investing, which are investments rather than deposits and are not FDIC-insured; and a line in the deposit agreement referring to "Chase Retirement Money Market accounts", a retirement deposit product that no page on chase.com currently offers.
This page prints no rate, for the reason the cluster's hub on high-yield money market accounts sets out: the number moves daily and a page that prints it is wrong on a date nobody notices. What it does instead is describe the structure of what Chase actually sells, so that the roughly fifteen thousand people a month who search for a Chase money market account can work out which of four quite different things they were looking for, and what to verify before opening any of them.
How this was checked, and why the method matters
A missing product page proves very little on its own; a bank can bury a product three clicks deep, and the URL chase.com/personal/savings/money-market-account returning a 404 is not evidence of anything. So the check went to the documents a bank cannot leave incomplete.
The consumer savings hub lists four products and nothing else. Chase's consumer deposit rate sheets, read for two different states with rates in effect as of Friday 4 September 2026, list checking, the three savings accounts and CDs, with a balance tier for each — and no money market line. The Deposit Account Agreement's product-information section, which sets out the fee, waiver and interest terms for each personal savings product, covers the same three savings accounts. The business rate sheet for the same date lists business savings and business CDs, again without a money market product. Two dated secondary sources, from February 2026 and April 2025, say the same thing in plain words.
That is as close to proof of absence as a bank's public documents allow. It is not permanent: Chase can add a product tomorrow, and the rate pages on chase.com are gated behind a ZIP code, which means the line-up you see may in principle differ by market. The five-minute version of the check is at the end of this page.
The bank behind the brand
Every Chase consumer deposit sits at one charter. The FDIC's BankFind database lists JPMorgan Chase Bank, National Association, certificate 628, headquartered in Columbus, Ohio, active, with total assets of about $4.09 trillion at 30 June 2026. That is the bank named in the "Member FDIC" line on every savings page and every rate sheet read for this article. A name search also returns a second, separate active charter — JPMorgan Chase Bank, Dearborn, certificate 21761, a Michigan state bank — which is not where a consumer savings account lives; if you check BankFind yourself, certificate 628 is the one.
Why the charter matters is the subject of are money market accounts FDIC insured: deposit insurance is $250,000 per depositor, per insured bank, per ownership category, and the FDIC lists money market deposit accounts among the products it covers and mutual funds among the products it does not. One charter means one limit, however many Chase and J.P. Morgan account types you hold under it. That aggregation is the trap on this page, and it comes back below in the section on the brokerage deposit.
What Chase sells instead
The table is structure only. Fees and conditions are from chase.com and the agreement effective 14 June 2026; the rate columns are deliberately absent.
| Product | Monthly fee | Waived by | Rate structure | Access |
|---|---|---|---|---|
| Chase Savings | $5 | $300+ balance at the start of each day; or $25+ a month in automatic transfers from Chase checking; or a linked qualifying checking account; or a linked College Checking account with Overdraft Protection; or an owner under 25 | Variable, set daily at Chase's discretion, four balance tiers | ATM card only |
| Chase Premier Savings | $25 | $15,000+ balance at the start of each day; or a linked qualifying checking account | Variable, six balance tiers; a higher "relationship" column conditional on a linked checking account and five transactions a month on it | ATM card only |
| Chase Private Client Savings | $0 | Requires a Chase Private Client Checking account to open | Variable; relationship rates when linked to Private Client or J.P. Morgan checking | ATM card only |
| Chase CD | None | — | Fixed for the term; $1,000 minimum; relationship rates need a linked personal checking account, in three balance tiers | Early-withdrawal penalty |
Two things in that table answer most of the search.
None of the savings accounts writes cheques or carries a debit card. The agreement lists "Check writing" and "Debit card (ATM card available)" under Services Not Available for all three, alongside Zelle, online bill pay and overdraft coverage. Cheque-writing and debit access are precisely the features that distinguish a money market account from a plain savings account — how a money market account actually works explains why — so a reader who wanted a Chase money market account for its cheque book has no Chase deposit product that does the job. A Chase savings account is a savings account in the strict, branch-bank sense that money market account vs savings account describes.
The tiers are a structure, not a reward. Chase Premier Savings has six balance tiers from under $10,000 to $250,000 and over, in two columns. On the two rate sheets read for this page, the difference between tiers, and between the relationship and standard columns, on the savings products was a hundredth of a percentage point or less. Whether that is still true in your market on the day you look is the first thing to check; the second is how the figure compares with the FDIC's national average for money market accounts, which the hub prints with its effective date.
The relationship condition, priced
Premier Savings pays its relationship rate only while two things hold in each monthly statement period: the account is linked to one of five named checking accounts (Chase Premier Plus, Chase Sapphire, Chase Private Client, J.P. Morgan Private Client Checking Plus or J.P. Morgan Classic Checking), and you make at least five customer-initiated transactions on that checking account. The rate earned is applied the following statement period, so a month you miss the condition shows up on the next statement, not the current one.
Put illustrative numbers on it. Suppose — purely for illustration — the relationship column paid 0.25 percentage points more than the standard column, and you held $20,000. That is $50 a year. Five transactions a month is sixty a year, so each obligatory transaction is worth about 83 cents. Whether that is a nuisance or nothing depends on whether you would have used the checking account anyway; the point is that it is a behaviour, not a bonus, and it never expires.
The fee is the larger number. At $25 a month, a Premier Savings account that fails both waiver conditions costs $300 a year — 3% of a $10,000 balance, before a cent of interest is counted. The account only makes arithmetic sense once the $15,000 balance or the linked checking account has secured the waiver, and then the APY, not the fee, is what to compare.
Withdrawal limits and fees
The fee schedule in the current agreement lists ATM fees at non-Chase machines, foreign-exchange adjustments, wire fees in both directions, stop payments, cheque and money-order charges, legal processing and safe-deposit rent. It does not list a savings withdrawal limit fee. If you have read elsewhere that Chase charges a fee for each withdrawal beyond six a month, check the date of what you read against the agreement's effective date; the federal six-transfer rule was deleted in 2020 and banks have been free since then to keep, drop or reinstate their own limits, which the explainer covers. Overdrafts do not arise on the savings accounts, because standard overdraft practice is listed as not available.
Money market funds at J.P. Morgan are a different product
The other thing Chase sells with "money market" in the name is a money market fund, bought through J.P. Morgan Self-Directed Investing. The products and services there come from J.P. Morgan Securities LLC, a broker-dealer, not from the bank, and Chase's own page carries the standard disclosure in capitals: 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, and subject to investment risks, including possible loss of the principal amount invested.
A money market fund is a mutual fund regulated under the SEC's Rule 2a-7. It holds short-term debt — Treasury bills and government securities in a government fund, corporate and bank paper as well in a prime fund, state and local paper in a municipal fund — and aims to hold its share price at $1. Aiming is not guaranteeing: the Reserve Primary Fund's share price fell below $1 on 16 September 2008, the day after Lehman Brothers, whose paper it held, collapsed, and the SEC's 2023 amendments to the rule added mandatory liquidity fees for some funds under redemption stress and removed the "gates" that had let funds suspend withdrawals. SIPC membership, which the J.P. Morgan page also notes, covers your holdings if the brokerage fails; it does not restore a fund that has lost value. Money market vs high-yield savings draws the account-versus-fund line at summary level, and are money market accounts FDIC insured does it in full.
Two more things to read on that page rather than assume. The yield it displays is described as an index average of retail money funds' seven-day SEC yields — a market statistic, not a promise about any fund you might buy. And the cash bonus of up to $1,000 for opening and funding an account is a dated brokerage offer with a stated expiry; the rules on bank account bonuses apply unchanged, including the tax.
The trade is real and the page decides nothing about it. If a fund yielded, illustratively, 0.50 percentage points more than an insured account and you held $50,000, that is $250 a year, and it is the price you are being paid for giving up deposit insurance. Some people take that trade knowingly; the failure is taking it without noticing.
The deposit product inside the brokerage
There is a third product, and it is the one most people searching for a high-balance Chase money market account would want to know exists. J.P. Morgan Premium Deposit for Self-Directed Investing is a bank deposit — at JPMorgan Chase Bank, N.A., placed there by the broker — that appears inside a Self-Directed Investing brokerage account. On Chase's current page it has an initial minimum of $50,000, same-day availability for withdrawals entered before 4:00 PM Eastern on a business day, a variable rate, and eligibility limited to individual, joint or trust general investment accounts; IRA and margin accounts are excluded. The 2024 fact sheet adds no minimum on later deposits, a maximum of $3 million per account and says plainly that it is not intended for paying daily or recurring bills.
Structurally, it is the closest thing Chase has to a money market account for a large balance: a deposit, insured, liquid within a day, with a threshold that keeps small savers out. It has no cheques and it needs a brokerage account. Its one genuine catch is the same charter point as above. Chase's own disclosure says every deposit held at the bank in the same ownership capacity is aggregated for insurance, including the cash sweep in your brokerage account if that sweep is the J.P. Morgan Chase deposit account. Hold $200,000 in Premium Deposit and $75,000 in Chase Savings in your sole name and you have $275,000 at one bank — $25,000 of it above the limit. Are CDs FDIC insured shows how to use ownership categories or a second bank to fix that, and how to check a charter on BankFind in a minute.
While you are in the brokerage settings, look at which sweep your uninvested cash uses. J.P. Morgan's sweep disclosure lists both a Chase bank-deposit sweep and money market fund sweeps. One is an insured deposit that counts against the same $250,000; the other is a fund. The distinction is the whole of this page in miniature.
The "Retirement Money Market" line
The deposit agreement counts balances in "certain Chase Retirement CDs or Chase Retirement Money Market accounts" toward the qualifying balances that waive checking fees, and its interest section says such accounts with interest distributions do not compound. That is the language of an existing IRA deposit product, not a product being marketed: no page on chase.com sells it, and searches restricted to the site return only fund pages. If you already hold one, it is a deposit at certificate 628 and insured like any other. If you want one, ask a banker whether it is open to new money, and do not assume from the agreement that it is.
What the searcher probably wanted
Four different intentions hide behind the same search, and each has a different route at Chase.
An insured account with a competitive rate. Chase's savings accounts are insured; whether the rate competes is a question the hub answers with the FDIC national average and a five-minute verification. On the sheets read here, the tiers made almost no difference, which is itself information.
A savings balance you can write cheques against. No Chase deposit product does this. That is a money market account in the classic sense, and the hub and the explainer cover where it exists.
Somewhere to park a large cash balance at Chase. Premium Deposit, above, or a CD. CD vs money market account sets out the lock; at Chase the penalty is 90, 180 or 365 days of interest by term, capped at the interest earned in the current term. On an illustrative $10,000 twelve-month certificate at an illustrative 4% simple, 180 days of interest is $197.26, and the penalty page prices the general case.
Yield, and a willingness to hold an investment. A money market fund through J.P. Morgan, knowing exactly what the capitals in the disclosure mean.
What to actually do
Check the line-up in your own market. Open chase.com's savings page and the rate table for your ZIP code. If a product called a money market account appears, this page is out of date and the conditions on that product are what to read. If it does not, you have confirmed the finding in five minutes.
Decide which of the four things you wanted. Insured rate, cheque-writing, a home for a large balance, or fund yield. Only the first two are served by an ordinary savings account, and Chase's savings accounts serve only the first.
Read the fee before the rate. $5 or $25 a month, and the waiver conditions verbatim. A Premier Savings account without the waiver costs $300 a year; on the sheets read for this page, no tier came anywhere near repaying that.
If you go for Premier Savings, treat the five transactions as a standing order. The relationship rate is a monthly behaviour applied a month in arrears; the month you stop using the linked checking account is the month it steps down.
If you hold cash in the brokerage, find out what it sits in. A Chase deposit sweep is insured and counts toward your single limit at certificate 628, together with Premium Deposit and every savings account you hold there; a fund sweep is not a deposit at all.
Never let "money market" stand in for "insured". The word appears on an insured deposit and on an uninsured fund at the same institution, one click apart. Read the insurance line, not the product name.
Diarise a re-check. Chase re-issues its rate sheets frequently and can add a product without announcement. Put the savings page and BankFind on the same twice-yearly calendar entry as the rest of your rate reviews.
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