I would ask the banker what the differences are. They are obviously going to push to manage your money and charge you a fee. There are plenty of articles on Reddit and Doctor of Credit about the CPC bonus and using a Self Directed Full Service account without a fee and getting the bonus. I can't link to these but if you google "CPC bonus self directed" you will see all of the articles.

Apparently the interface is the same between the JPM Self Directed and You Invest. Again the banker will continue to push to have him manage the account but you do not need to do that. There is a fee to transfer out of Chase if you ever choose to leave of I believe $75 a security.

Another thing to keep in mind, if you transfer stock/ETF in, they will by default use "Average Cost Basis". You need to send a secure message prior to transferring in and ask them to configure you account to be actual cost basis and not average.