Maybe it's just my personal advisor, but I've found CPC to offer the worst of self- and full-service investment platforms.

Limited self-service capabilities so you're funneled to full service which is slow at best, and often non-responsive. Simple things like opening a new managed investment, changes to investment allocations, or even a back door Roth conversion take several days and often require multiple follow-ups. I've had 1 investment review since opening accounts 4 years ago. No investment opportunities - just an occasional "investments insight" email blasted to everyone with no personal insight.

AI tells me my JPM managed accounts are outperforming benchmarks (including consideration of fees), so I've tolerated the crappy service, but it's frustrating not to be able to do things yourself nor get things done timely.

That’s what I’m afraid of.

I don’t want to give up my self-directed accounts. I don’t trade often (I’m a Vanguard ETF guy), but I like the ability to buy on a whim on my own.

All of my JPMorgan accounts are self-directed, but I chat with my advisor every other month. He doesn’t manage any of my accounts, but, in a recent meeting when I needed to wet-sign something, he said that he could manage my accounts with no AUM or fees. I hadn’t heard of that before.

Not sure how old you and/or your JPM accounts are but consistent year-after-year long-term outperformance, for any mutual fund manager or personal managed accounts, is almost unheard of.

As an advocate and practitioner of Warren Buffet’s “buy and hold forever” strategy, the details of the platform capabilities are insignificant and I’d never spend a penny of my hard earned money (other than no-load mutual fund management fees) for someone else to manage my investments. Additionally because no professional personal money manager would ever invest as aggressively as I’ve chosen to do.

They invariably compare their performance to the S&P 500, none of them consistently beat the index, all they’re REALLY doing is hand holding, which might be “worth it” to some people but for many others is simply a money grabbing rip-off.

10 years ago I transferred, at zero cost, 20 year old mutual fund positions to Chase to establish a CPC relationship in order to get around 5/25. CPC is no longer an end run for 5/25 but I still believe it positively influences credit card applications in some indeterminate manner.

I still hold those same leveraged index fund positions (in a Chase/JPM account), been quite lucrative. And I’ve been approved for many Chase credit cards (and received many SUBs) which I believe I would not have received had I not been CPC.

Safe deposit boxes have largely fell by the wayside. They have a use but so many other options. The Palladium Card is still around...or a version of it but not for people with the amounts you are mentioning

That's a huge red flag to me.

and with banks closing so many locations and pulling out safe deposit boxes out of the locations left, it really isnt a perk to count.

I would agree it is not much of a perk

Based on the March 2026 fees schedule, Chase no longer rent new safe deposit box.

been that way for probably 2 years, maybe longer.

im in Bay Area, where before they stopped renting them, it was notoriously difficult to even find one (it took me about a year to find one initially, and it’s an um….not nice area.. of Hayward, about a 30 minute drive away from where ai live, and at least three branches in my city having them, and I don’t know how many more between where I am and where my box is).

We have received no word that they are getting rid of them completely - my understanding is they will not rent them as new anymore, but existing clients that already have them can keep them. I always took my reminder letter at renewal time as one to call around to see if there was a better/closer branch that had them available, but that was also a pain as these are managed on a branch-by-branch basis, so while the customer service center can tell you what branches actually physically had them or not, I had to call to an individual branch to find out about availability

My branch told me last month that they are discontinuing the safety deposit boxes. I was in there getting something, and nearly all of them are empty now (locks removed, hanging open). They wanted me to empty it out, but I declined to do so. I'm expecting a notification soon that I will have to come and close it out. I'm in California.

Well this boomer still values safe deposit boxes - for me it is still a reasonable solution for theft prevention (and fire) assuming you don't want to hide and install a home safe. Unfortunately Chase decided to shut down boxes at some locations in CA due recordkeeping deficiencies including its inability to track the boxholders. Seriously this is what the branch told me, not a confidence builder. And of course there have been (and will continue) numerous branch closures and consolidation. I was told Chase is not opening new boxes in CA but YMMV.

Thankfully we were able to move everything to another bank (not Chase) but it was definitely one of the few CPC account perks that had value to me.

I would like to consolidate my bank accounts and probably close Chase but Chase still offers the best online banking experience - a good website, great mobile app, easy interbank transfers, instant bill-pay (unlike WF which delays payments 2 days), easy to avoid fees, and I still get excellent CS from the executive services phone reps. Better than any of the other major banks IMO. But ultimately I would like to consolidate everything with Schwab.