Chase Digital Services Agreement

Chase · Official agreement

Read the agreement

66 of 436 cards in Account & Service Control

Account & Service Control · Company practice

Enrolling and using means agreeing; Services still need activating

By enrolling in and using the Digital Platforms and the Services you agree to be bound by the General Terms and Conditions and by the terms specific to each Service in the Addenda. A Service does not turn on just because you agreed: it is not activated until you take the necessary steps through a Digital Platform. Any Service you had already activated stays active after you accept this Agreement.

Supporting quotations

By enrolling in and using the Digital Platforms and the Services, you agree to be bound by the General Terms and Conditions and the terms specific to each Service as set forth in the Addenda following the General Terms and Conditions. Although you are agreeing to the terms specific to each Service set forth in the Addenda, the Services will not be activated until you take the necessary steps to do so through one of the Digital Platforms. Any Service you have already activated will remain active after acceptance of this Agreement.

Qualifications & exceptions

  • Agreement is by enrolling in and using, not by a separate signature.
  • Activation of each Service needs steps taken through a Digital Platform.

Account & Service Control · Procedure

Where to find the agreement and who to call

Chase suggests you read the agreement carefully and print a copy. You can come back to it any time from the Legal Agreements & Disclosures tab in the website or mobile app you are using. For questions about the Digital Platforms or Services, the notice gives a Chase phone number.

Supporting quotations

We suggest you read this document carefully and print a copy for your reference. You may refer back to it at any time by accessing the Legal Agreements & Disclosures tab within the website or mobile application that you are accessing.
If you have any questions regarding the Digital Platforms or Services, please call (877) CHASEPC (877-242-7372).

Account & Service Control · Context

Some Addenda split terms between business and consumer accounts

The table of contents shows that the Access and Security Manager Addendum has terms for both business and consumer accounts, extra terms for business accounts only, and extra terms for consumer accounts. The Bill Payment Addendum likewise has terms that apply only to consumer accounts and others that apply only to business accounts. The Access and Security Manager entry for business accounts says to see "Section 6" for consumer-account terms; in that Addendum Section 6 is the entry titled "Links to Consumer Accounts".

Supporting quotations

TERMS AND CONDITIONS APPLICABLE TO BOTH BUSINESS ACCOUNTS AND CONSUMER ACCOUNTS
ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS ONLY (See Section 6 below for Additional Terms and Conditions Applicable to Consumer Accounts Only)
ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO CONSUMER ACCOUNTS
Links to Consumer Accounts
ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR CONSUMER ACCOUNTS.
ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR BUSINESS ACCOUNTS

Qualifications & exceptions

  • The terms that apply depend on whether the account is a business account or a consumer account.

Not stated here

  • The "Section 6" pointer is in a table-of-contents line; the matching numbered section is in the Addendum body.

Account & Service Control · Context

Transfers and Zelle Addenda list separate terms for consumer and business accounts

The table of contents shows the Transfers Service Addendum with separate sections for consumer accounts and for business accounts, and a section called Our Guarantees. The Zelle Service Addendum has a section of additional terms that apply only to business accounts. Which terms apply to you depends on whether the account is a consumer or business account.

Supporting quotations

Additional Terms Applicable Only to Payments and Transfers For Consumer Accounts
Our Guarantees
Additional Terms Applicable Only to Payments and Transfers for Business Accounts
ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS

Qualifications & exceptions

  • Account type decides which additional terms apply.

Account & Service Control · Restriction or exception

Using or letting anyone use the platforms means you accept the agreement

The agreement sets the terms for your enrollment in and use of the Digital Platforms and Services. You agree to them when you use or access the platforms or Services, or when you permit any other person or entity to use or access them on your behalf. By using or accessing them you confirm that you have read, understand and agree to follow the terms. If you do not agree, you may not use or access the Digital Platforms or the Services.

Supporting quotations

This Agreement contains the terms and conditions that govern your enrollment in and use of the Digital Platforms and Services. When you use or access, or permit any other person(s) or entity(ies) to use or access the Digital Platforms or Services on your behalf, you agree to the terms and conditions of this Agreement. By using or accessing the Digital Platform and the Services, you acknowledge that you have read, understand, and agree to abide by the terms and conditions of this Agreement. If you do not agree to the terms and conditions set forth herein, you may not use or access the Digital Platforms or the Services.

Qualifications & exceptions

  • Acceptance covers use by others that you permit to act on your behalf.

Account & Service Control · Company practice

Services and fees vary by location, and Chase decides eligibility

The Services, and any associated fees, charges, interest rates and balance requirements, may differ among geographic locations, and not every Service is offered everywhere. You may therefore not be eligible for all the Services described. Chase reserves the right to decide whether you are eligible for any Service. Offering Services through the Digital Platforms is not a solicitation to use them in places where providing the Services is prohibited by law.

Supporting quotations

Services described in this Agreement, as well as any associated fees, charges, interest rates and balance requirements, may differ among geographic locations. Not all Services are offered at all locations. Therefore, you may not be eligible for all the Services described in this Agreement. We reserve the right to determine your eligibility for any Service. By offering the Services via the Digital Platforms, we make no distribution or solicitation to any person and/or entity to use the Services in jurisdictions where the provision of the Services is prohibited by law.

Not stated here

  • The agreement does not list which Services are available in which locations.

Account & Service Control · Company practice

Mobile Services: you give valid contact details; your carrier acts as your agent

You agree that Chase may send you information about the Mobile Services through your Communication Service Provider, and that this provider acts as your agent for that purpose. You agree to give a valid phone number, email address or other delivery location so Chase can send that information, including information about your account or Card, and you must immediately tell Chase if a number or address you gave is given up or changed by you.

Supporting quotations

You agree that we may send you information related to the Mobile Services through your Communication Service Provider and that your Communication Service Provider is acting as your agent in this capacity. You agree to provide a valid phone number, email address or other delivery location so that we may send you information related to the Mobile Services, including information about your applicable account or Card. You will immediately notify us if any phone number or email address you have provided is (a) surrendered by you, or (b) changed by you.

Qualifications & exceptions

  • You must notify Chase immediately when a provided phone number or email address is surrendered or changed by you.

Account & Service Control · Restriction or exception

Mobile Services may offer fewer features and different information than Online Services

Not every Service or Product, or every function described on Chase’s websites, may be available on a mobile device, so you may not be eligible to use it that way, and Chase decides your eligibility. Information shown through Online Services (including account balance, transfer and payment information) may be missing from Mobile Services, differ from it, use different terminology or be more current. The way you enter instructions through Mobile Services can differ from Online Services, and processing of instructions may take longer through Mobile Services.

Supporting quotations

Not all of the Services or Products described in this Agreement or the services, products, or functionality described on our website(s) may be available when you use a mobile device. Therefore, you may not be eligible to use the Services, Products, or other services, products, or functionality when you access or try to access them using a mobile device. We reserve the right to determine your eligibility for any Service, Product, or other services, products, or functionality.
Additionally, information available through the Online Services may not be available via the Mobile Services or may differ from the information available via the Mobile Services.
This includes account balance information, and Transfer and payment information.
The method of entering Instructions via the Mobile Services may also differ from the method of entering Instructions directly through the Online Services. Processing of Instructions may take longer through the Mobile Services.
We reserve the right to determine your eligibility for any Service.

Qualifications & exceptions

  • Eligibility is decided by Chase, as the general eligibility clause also says.

Account & Service Control · Company practice

Alerts are a convenience; eligible accounts, auto-enrollment and delivery limits

Alerts are provided for convenience and do not replace your periodic statements or other notices such as trade confirmations for Investment Accounts. They are available only to customers with an eligible account (consumer, business, auto, mortgage, home equity or Investment Account, and others Chase may add), and you may be enrolled automatically in certain Alerts. By receiving them you agree that Chase may send messages through your communication service provider, which acts as your agent; may use the phone number, email or other delivery location in its records or that you provide; may deliver alerts at any time, and you specifically consent to receiving alerts between 9 p.m. and 8 a.m. local time; and does not guarantee delivery, which can be delayed or fail due to outages, storage limits or other factors. Mobile Services messages may also be unencrypted and may contain personal information.

Supporting quotations

Alerts are provided for your convenience and do not replace your periodic account statement(s) or other notices, such as trade confirmation for Investment Accounts. Alerts are only available to customers who have an eligible account with us. An eligible account includes a Consumer Account, a Business Account, an auto, mortgage, or home equity account, and Investment Accounts, and may include other accounts as determined by J.P. Morgan Chase in the future. You may be automatically enrolled to receive certain Alerts.
By receiving or otherwise using the Services, you understand and agree that: (a) we may send messages through your Communication Service Provider in order to deliver them to you and that your Communication Service Provider is acting as your agent in this capacity; (b) we may use a phone number, email address or other delivery location we have in our records for you or other such contact information as you may provide to us for the Service so that we may send you certain information about your applicable account; (c) the alerts may be delivered at any time of the day or night and you specifically consent to receive such alerts between the hours of 9 p.m. and 8 a.m. local time in your location; and (d) we cannot guarantee the delivery of email or other electronic notifications, and delivery may be delayed, fail, or otherwise impacted by many circumstances, including wireless or internet service provider outages, storage limitations or other factors.
You understand and agree the Mobile Services may not be encrypted and may include personal or confidential information about you, such as your account activity or status.

Qualifications & exceptions

  • Alerts do not replace statements or notices.
  • Consent to alerts between 9 p.m. and 8 a.m. local time is stated specifically.

Account & Service Control · Procedure

Report AI errors or unauthorized transactions promptly, within other documents’ time frames

You are responsible for reviewing all information, responses and transactions generated or facilitated by AI features. If you believe something is incorrect, unauthorized or inaccurate, you must notify Chase promptly through the contact methods and within the time frame stated in your account’s relevant agreement or the Service’s terms, including the Addenda to this Agreement.

Supporting quotations

You are responsible for reviewing all information, responses, and transactions generated or facilitated by AI features. If you believe that any information or transaction is incorrect, unauthorized, or inaccurate, you must notify us promptly through the contact methods and within the time frame stated within your account’s relevant agreement or the Service’s terms and conditions, including Addenda to this Agreement.

Qualifications & exceptions

  • The deadline and contact method come from other documents, not this section.

Not stated here

  • This section does not itself state the notification time frame or contact method.

Account & Service Control · Restriction or exception

Information on the platforms is not the official account record

Account information and data shown on the Digital Platforms or through any Service is a convenience and is not the official record of your account or its activity. Your account statement, sent on paper or electronically if you use Paperless Statements, stays the official record. Platform information is generally updated regularly but can be adjusted or corrected, so you should not rely on it to take or hold back any action.

Supporting quotations

Account information and data is provided to you on the Digital Platforms or in connection with any Service as a convenience and is not the official record of your account or its activity. Your account statement, furnished to you by us in a paper format, or electronically if you are enrolled in the Paperless Statements Service, will remain the official record. Information provided on the Digital Platforms or through any Service is generally updated regularly, but is subject to adjustment and correction, and therefore should not be relied upon by you for taking, or forbearing to take, any action.

Account & Service Control · Company practice

Notices may be given electronically, by posting or by mail

By using the Digital Platforms and any Service, you agree that Chase may send notices and other communications it is required to give you by any manner permitted by law, including posting on its website or the Digital Platforms, electronic notice to any email it has for you or another email address or phone number you provide, a message through the Digital Platforms, or mail to the current address on file. Chase chooses which of these to use.

Supporting quotations

You agree that by using the Digital Platforms and any Service, all notices or other communications which we may be required to give you arising from our obligations under this Agreement may be sent to you by any or all of the following sources, at our option: Any manner permitted by law including posting it on our website or on the Digital Platforms; through electronic notice given to any email we have for you, any other email address or phone number you provide to us, sending a message to you via our Digital Platforms, or sending mail to the current address we have on file for you.

Qualifications & exceptions

  • The method is at Chase’s option.

Account & Service Control · Restriction or exception

No Agent access if you are under 13 or legally barred from the Services

You agree not to let an Agent access your accounts, the Digital Platforms or the Services if you are under 13 (or any greater age required by applicable laws), or if applicable laws prohibit you from accessing the Services.

Supporting quotations

You agree you will not permit an Agent to access your accounts, the Digital Platforms or the Services if you are under the age of 13 (or such greater age required under applicable laws) or if you are prohibited from accessing Services under applicable laws.

Qualifications & exceptions

  • The age is 13 or any higher age that applicable law requires.

Account & Service Control · Procedure

Business customers: user IDs belong to the business and departures must be reported

A user ID or Password Chase gives a business customer is provided to you only as a representative of the business entity registered with the platform or Service, and you may not keep it after your relationship with that entity ends. You agree to tell Chase immediately if a person with access to a Password leaves or is no longer a representative of the entity to which it was assigned.

Supporting quotations

Any user ID or Password we provide to you is provided to you in your capacity as a representative of the business entity registered with the Digital Platform or Service only, and may not be retained by you after any termination of your relationship with such business entity. You agree to inform us immediately if a person with access to a Password leaves the employ or is no longer a representative of the entity to which that Password has been assigned.

Qualifications & exceptions

  • Applies to business customers.

Account & Service Control · Restriction or exception

Platforms are usually available 24/7 but can be interrupted; use other channels

The Digital Platforms and Services are typically available 24 hours a day, 7 days a week, subject to third parties’ hours (such as a market or exchange) and any limits in the terms of your account. Chase may perform maintenance or have hardware, software or other problems that cause interruptions, delays or errors. Your access may also be limited during high volume, upgrades or for other reasons. If the platforms or Services are unavailable or unsuitable, you agree to use other means, such as calling your representative or call center. Chase is not liable if you cannot access them or complete transactions through them.

Supporting quotations

The Digital Platforms and Services are typically available for your use 7 days a week, 24 hours a day subject to the hours of any necessary third party, like a market or exchange, and any limitations or restrictions associated with the particular terms and conditions of your account. However, we may from time to time (a) perform maintenance on the Digital Platforms or any Service or (b) experience hardware, software, or other problems related to the Digital Platforms and Services, resulting in interrupted service, delays or errors in the Digital Platforms and/or Services.
Your ability to access the Digital Platforms or any Service may be limited during periods of high volume, systems upgrades and maintenance or for other reasons. If the Digital Platforms or Services are not available for transactions or if conditions render its use inappropriate, you agree to use alternative means to conduct transactions or place your orders, such as calling your J.P. Morgan Chase representative or the call center servicing your account. We will not be liable to you if you are unable to access the Digital Platforms or the Services, or complete transactions through them.

Qualifications & exceptions

  • "Typically" availability is not a guarantee.

Account & Service Control · Restriction or exception

Do not log on from OFAC-sanctioned countries

You agree not to try to log on to the Digital Platforms or Services from any country under sanctions by the Office of Foreign Assets Control (OFAC); the U.S. Treasury website lists them. An attempt to log on from one of these countries may result in your access being restricted or ended.

Supporting quotations

You agree not to attempt to log on to the Digital Platforms or Services from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the Digital Platforms from one of these countries may result in your access being restricted and/or terminated.

Qualifications & exceptions

  • Consequence: access may be restricted or terminated.

Account & Service Control · Restriction or exception

If you let your child use the platforms, this Agreement applies to them and you are responsible

Chase may allow you to give your child use or access to certain Digital Platforms and Services linked to your profile. If you authorize this, you acknowledge that this Agreement, and any applicable account agreement, digital wallet agreement or third-party wallet agreement, applies to your child. You accept full responsibility for your child’s use of the platforms and Services, including any liability they may incur.

Supporting quotations

We may allow you to grant your child use or access to certain Digital Platforms and Services that are linked to your profile on the Digital Platforms. If you authorize us to grant your child such use or access, you acknowledge and agree that this Agreement, and any applicable Account Agreement, digital wallet agreement or third-party wallet agreement, will apply to your child. You further agree and accept full responsibility for your child’s use of the Digital Platforms and Services, including any liability that he or she may incur in connection with their use of the Digital Platforms or Services.

Qualifications & exceptions

  • Applies only to Services Chase allows you to give your child access to.

Account & Service Control · Permission or license

Chase may audit your compliance and you must provide requested information at your expense

Chase may periodically audit and verify your compliance with the Agreement. You agree to cooperate and, at your own expense, provide the information or documents Chase reasonably requests to aid in the clearing and collection process, to resolve third-party claims about any Item, or for audit purposes.

Supporting quotations

We may periodically audit and verify your compliance with this Agreement. You agree to cooperate and provide information or documents, at your expense, as may be reasonably requested by us to aid in the clearing and collection process, to resolve claims by third parties with respect to any Item, or for audit purposes.

Qualifications & exceptions

  • Requests must be reasonable.
  • Provided at your expense.

Account & Service Control · Permission or license

Chase can end or restrict your access at any time, with or without a reason

Chase may terminate or suspend the Agreement or any Addendum, or terminate, suspend, restrict or limit your access to the Digital Platforms or any Service, in whole or in part, at any time for any reason or no reason and without prior notice. Reasons it lists include not using the platforms or Services for three months or more; use Chase deems illegal or potentially brand damaging; no longer having an eligible account; receiving notice of death; or Chase deeming your use of a third-party AI agent a risk to their security or your accounts’ security or a likely violation of law. Chase may also set other eligibility criteria and decline or block any or all transactions, each in its sole discretion.

Supporting quotations

We may terminate or suspend this Agreement or any Addendum, or terminate, suspend, restrict, or limit your access privileges to the Digital Platforms or any Service, in whole or part, at any time for any reason or no reason without prior notice, including your failure to access the Digital Platforms or Services for a period of three (3) months or greater, for reasons involving your use of the Digital Platforms or Services which we may deem to be illegal or potentially brand damaging, when you no longer have an eligible account, after we receive notice of death, or if we deem your use of a third-party AI agent or agentic AI potentially compromises their security or the security of your accounts, or may be deemed to violate any applicable laws or regulations. We may determine other eligibility criteria and decline or prevent any or all transactions through the Digital Platforms or the Services, each in our sole discretion.

Qualifications & exceptions

  • The listed reasons are introduced by "including", so they are examples.
  • No prior notice is required.

Account & Service Control · Procedure

After termination you stop using the platforms; underlying accounts keep their own terms

Obligations and liabilities incurred before the termination date survive termination for all purposes. On termination, you must immediately stop using the Digital Platforms and Services and delete any applicable copies. Termination of the Agreement or an Addendum does not change the terms or status of any underlying account you have with Chase; each account agreement continues to be governed by its own terms.

Supporting quotations

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this Agreement for all purposes. Upon termination, you shall immediately discontinue use of the Digital Platforms and Services and delete any applicable copies.
Termination of this Agreement or any Addendum will not affect the terms or status of any underlying account you have with
us. Each account agreement will continue to be governed by its own terms.

Account & Service Control · Context

Glossary: Business Account versus Consumer Account

A "Business Account" is any deposit account, such as checking or savings, that you have with Chase and use for business (non-personal) banking purposes. A "Consumer Account" is any deposit account, such as checking or savings, that you have with Chase and that is established primarily for personal, family or household banking purposes. These definitions decide which account-type terms in the Addenda apply.

Supporting quotations

Refers to any deposit account, such as a checking or savings account, you have with us that is used for business (non-personal) banking purposes.
Refers to any deposit account, such as a checking or savings account, you have with us that is established primarily for personal, family or household banking purposes.

Qualifications & exceptions

  • A Business Account is defined by use for business banking purposes; a Consumer Account by being established primarily for personal, family or household purposes.

Account & Service Control · Context

Glossary: Chase Online, Chase Mobile, Chase Business Online and Alerts

"Chase Online" is the online client platform at www.chase.com where customers can do online banking and investing and use the Online Services. "Chase Business Online" is the online platform at www.chase.com/business where customers holding a Business Account can do online banking and use the Online Services. "Chase Mobile" is the mobile platform where customers can do mobile banking and investing and use the Mobile Services. "Alerts" means a service giving customers text messages, emails and push notifications about their accounts from JPMC.

Supporting quotations

Refers to the online, client-facing platform, www.chase.com, on which JPMC customers may conduct online banking and investing and access the Online Services.
Refers to the online, client-facing platform, www.chase.com/business, on which JPMC customers who hold a Business Account may conduct online banking and access the Online Services.
Refers to the mobile platform on which JPMC customers may conduct mobile banking and investing and access the Mobile Services.
Refers to a service which provides customers text message communications, email communications and push notifications regarding their accounts from JPMC.

Account & Service Control · Context

Glossary: Person, Payee, Primary Account, Password and Paperless Statements

"Person" means a natural person or a business, government or nonprofit entity. "Payee" means the merchant or other person or entity to whom you direct a payment or Transfer. "Primary Account" is the checking or prepaid account, if eligible, that you designate for paying any potential monthly service fees. "Password" is a password used to access your profile on the Digital Platforms or any Service. The "Paperless Statements Service" lets customers choose to receive certain communications electronically, including customer agreements and amendments, monthly billing or account statements, tax statements, disclosures, prospectuses, trade confirmations, notices, responses to claims, transaction history, privacy policies and other information Chase is legally required to give in writing.

Supporting quotations

Refers to a natural person or a business, government, or nonprofit entity.
Refers to the merchant or other person or entity to whom you designate a payment or Transfer to be directed.
Refers to the checking or prepaid account, if eligible, you designate for paying any potential monthly service fees.
Refers to a password used to access your profile on the Digital Platforms or any Service (as applicable).
Refers to the service whereby customers can elect to receive certain communications from us in an electronic format. These communications include any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, prospectuses, trade confirmations, notices, responses to claims, transaction history, privacy policies and other information that we are required by law to provide to you in writing.

Qualifications & exceptions

  • Paperless Statements covers communications the customer elects to receive in electronic format.

Account & Service Control · Context

Access and Security Manager Addendum: scope, last updated date and which sections apply to whom

This Addendum, last updated 10/4/2021, governs your use of the Access and Security Manager Online Service. It is labelled "For Business Customers Only" but also contains terms that apply to Consumer Accounts: Sections 1 and 2 apply equally to Business and Consumer Accounts, Sections 3 to 5 apply only to Business Accounts, and Section 6 applies only to Consumer Accounts. Capitalized terms not defined in the Addendum (including its definitions section at the end) have the meaning given in the General Terms and Conditions.

Supporting quotations

Addendum: Access and Security Manager Online Service
(For Business Customers Only)
Last updated: 10/4/2021
This Addendum governs your use of the Access and Security Manager Online Service (for purposes of this Addendum, the “Service”) and contains terms applicable to both Business Accounts and Consumer Accounts. Sections 1 and 2 apply equally to both Business Accounts and Consumer Accounts, Sections 3-5 apply only to Business Accounts and Section 6 applies only to Consumer Accounts.
Except as otherwise set forth in this Addendum (including the definitions section located at the end of this Addendum), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

Qualifications & exceptions

  • Business-only label sits alongside terms for Consumer Accounts, which Section 6 limits to linked consumer accounts.

Not stated here

  • The Addendum is labelled for business customers only, but Sections 1, 2 and 6 describe Consumer Account terms; the document does not reconcile the label with those sections.

Account & Service Control · Context

Access and Security Manager lets you delegate Online Services to sub-users; who "you" is in each part

The Service lets customers delegate certain functions of the Online Services to one or more sub-users. In Sections 1 to 5, "you" means the business entity applying for or using the Online Services. If you are the Account Administrator, "you" in Sections 1 to 5 also means you as an authorized representative of the business, while in Sections 1-2 (as applicable) and Section 6 it means you in your individual and personal capacity for your Consumer Accounts, including consumer accounts you link to a Business Account, and not as the business’s representative. "Account Administrator" means any signer on your Business Account or Consumer Accounts, or any other person you authorize to perform the Account Administrator activities, and for Commercial Term Lending loans may also mean a borrower, guarantor or key principal at Chase’s sole discretion.

Supporting quotations

The Service is a feature that allows customers to delegate certain functions of the Online Services to one or more sub-users. In Sections 1-5 below, the term “you” and “your” means the business entity applying for or using the Online Services. If you are the Account Administrator (as defined below), the terms “you” or “your” also mean, as applicable, (a) in Sections 1-5 below, you in your capacity as an authorized representative of a business entity in whose behalf you utilize the Service and (b) in Sections 1-2 (as applicable) and Section 6 below, you in your individual and personal capacity with respect to your Consumer Accounts, including Consumer Accounts you link to a Business Account for access to the Online Services (and not in your capacity as representative of the business for which you are the Account Administrator).
“Account Administrator” means any signer on your Business Account or Consumer Accounts or any other person authorized by you to perform the Account Administrator activities designated herein. For Commercial Term Lending loans, Account Administrator also means (if applicable and at our sole discretion) a borrower, guarantor or key principal.

Qualifications & exceptions

  • The meaning of "you" for an Account Administrator depends on which section is being read.
  • For Commercial Term Lending loans, Account Administrator can include a borrower, guarantor or key principal if applicable and at Chase’s sole discretion.

Account & Service Control · Restriction or exception

Access and Security Manager: no linking multi-signer accounts and notify Chase before changing signers

You agree not to ask that a Business Account be linked to a Consumer Account (or the other way round) if the Business Account allows multiple signers to transact. You also agree not to change Business Account documentation to change signers or names, or to add signers, on any account linked for the Online Services until you have first notified Chase by calling or writing to the number and address given to terminate access to those accounts. No such change is effective until Chase receives the notice and has a commercially reasonable opportunity to act on it.

Supporting quotations

You agree not to request that a Business Account be linked to a Consumer Account (or vice versa) if the Business Account allows multiple signers to transact on the account. You agree not to change Business Account documentation to change signers, to change names, or to allow additional signers on any account linked for the Online Services until you have first notified us by calling 877-CHASEPC (877-242-7372) or writing to us at Chase Online Customer Service, P.O. Box 2558, Houston, TX 77252-9968, to terminate access to such accounts. No such change will be effective until we receive such notice at the phone number or address set forth above and have a commercially reasonable opportunity to act upon it.

Qualifications & exceptions

  • Applies to Business Accounts allowing multiple signers.
  • Changes take effect only after Chase receives notice and has a commercially reasonable time to act.

Account & Service Control · Permission or license

Business accounts: the Account Administrator can appoint Authorized Users, and you ratify what they do

You authorize the Account Administrator to appoint any number of Authorized Users to access, view and/or transact on your accounts through the Online Services and to communicate with Chase, and you ratify all of the Account Administrator’s activities, whether or not within the authority you granted. You also authorize Authorized Users the Administrator designates and ratify their activities in the same way, and delegate to them your right to receive communications from Chase about issues they raise. An Authorized User is a person the Account Administrator designates to perform certain activities in the Online Services, including accessing, viewing and/or transacting on all your linked accounts. You are responsible, to the fullest extent allowed by law, for the security of user IDs and Passwords issued to any Authorized User or Account Administrator and for transactions or information obtained with them, and for administering, monitoring and controlling Authorized Users.

Supporting quotations

You authorize the Account Administrator to appoint any number of Authorized Users to access, view and/or transact on your accounts via the Online Services, to communicate with and receive communications from us via the Online Services, and you hereby ratify and confirm any and all such activities of the Account Administrator, whether currently existing or in the future, and whether or not such activities are within the scope of authority you granted to the Account Administrator. You further authorize any Authorized User designated by the Account Administrator to access, view and/or transact on your accounts via the Online Services and to communicate with us via the Online Services, and you hereby ratify and confirm any and all activities of such Authorized Users, whether currently existing or in the future, and whether or not such activities are within the scope of authority you granted to the Account Administrator. You hereby delegate to any Authorized User, any right you have to receive communications from us relative to issues communicated to us by such Authorized User via the Online Services or otherwise. You are responsible for maintaining the security of any user IDs and Passwords issued to any Authorized User or Account Administrator and for any financial transactions performed or information received using such user IDs and Passwords to the fullest extent allowed by law. You are also responsible for the administration, monitoring and control of any Authorized Users in connection with their use of the Online Services.
“Authorized User” means any person or persons designated by the Account Administrator through the Online Services as authorized to perform certain activities within the Online Services, including the ability to access, view and/or transact on all your accounts linked for the Online Services and to communicate with us and receive communications from us, regarding your accounts.

Qualifications & exceptions

  • Applies to Business Accounts (Sections 3-5 of this Addendum).
  • Ratification covers activities outside the authority you granted.
  • Responsibility for credentials is "to the fullest extent allowed by law".

Account & Service Control · Procedure

Tell Chase immediately when the Account Administrator changes; Authorized Users stay until you change them

You agree to tell Chase immediately about any change in who the Account Administrator is. The Administrator’s access continues until you give written notice of the change and Chase has had a commercially reasonable time to act. Changing the Administrator does not automatically change the access of Authorized Users, so you must keep their entitlements up to date. Chase may, at its option and without liability to you, suspend any user’s access to the Online Services at any time without prior notice if it considers that reasonably necessary under the circumstances.

Supporting quotations

You understand and agree to advise us immediately of any changes in the identity of the Account Administrator. Access to the Online Services by the Account Administrator as provided herein shall continue until such time as you have given us written notice of any changes to the Account Administrator and until we have had a commercially reasonable time to act upon such notice. You further understand and agree that changes to the Account Administrator will not automatically affect the access or entitlements of the Authorized Users to your accounts via the Online Services. It is your responsibility to maintain the entitlements of the Authorized Users at all times; provided, however, that we may at our option and without liability to you, suspend access to the Online Services to any user at any time, without prior notice, if we deem it to be reasonably necessary under the circumstances to do so.

Qualifications & exceptions

  • Applies to Business Accounts.
  • Suspension by Chase needs only that Chase deems it reasonably necessary under the circumstances.

Account & Service Control · Context

Access and Security Manager definitions: Account Administrator and Authorized User

An "Account Administrator" is any signer on your Business Account or Consumer Accounts, or any other person you authorize to perform the Account Administrator activities in the Addendum; for Commercial Term Lending loans it may also mean, if applicable and at Chase’s sole discretion, a borrower, guarantor or key principal. An "Authorized User" is any person the Account Administrator designates through the Online Services to perform certain activities, including accessing, viewing and/or transacting on all your accounts linked for the Online Services and communicating with Chase and receiving communications from Chase about your accounts.

Supporting quotations

“Account Administrator” means any signer on your Business Account or Consumer Accounts or any other person authorized by you to perform the Account Administrator activities designated herein. For Commercial Term Lending loans, Account Administrator also means (if applicable and at our sole discretion) a borrower, guarantor or key principal.
“Authorized User” means any person or persons designated by the Account Administrator through the Online Services as authorized to perform certain activities within the Online Services, including the ability to access, view and/or transact on all your accounts linked for the Online Services and to communicate with us and receive communications from us, regarding your accounts.

Account & Service Control · Restriction or exception

Aggregated information is a convenience, not a replacement for official statements

The Aggregation Service is a convenience and should not be treated as a substitute for account statements or other documents you receive for non-J.P. Morgan Chase accounts. Chase asks you to consult the official statements for balances, transactions or investments in your Linked Accounts.

Supporting quotations

The Aggregation Service is provided as a convenience and should not be considered a substitute or replacement for account statements or other documentation provided to you on non-J.P. Morgan Chase accounts. Please consult official account statements for information regarding your account balances, transactions or investments in your Linked Accounts.

Account & Service Control · Restriction or exception

You represent you own or may use the Linked Accounts and can give Chase the log-in details

You represent that you legally own all Linked Accounts you designate (or, in a Business Banking or Commercial Banking relationship, that you are an authorized user), and that you have authority to name Chase as your agent, to let Chase receive Aggregated Data and to give Chase all the information needed to access your Linked Accounts, including passwords and usernames and other required information.

Supporting quotations

You represent that you have legal ownership (in the case of a Business Banking or Commercial Banking relationship, you are an authorized user) of all Linked Accounts that you designate for the Aggregation Service. You represent that you have the authority to designate us as your agent and permit us to receive Aggregated Data and to provide us with all information associated with accessing your Linked Accounts (including passwords and usernames and other information as required).

Qualifications & exceptions

  • Business and Commercial Banking customers represent they are authorized users instead of owners.

Account & Service Control · Restriction or exception

Chase can add or remove eligible external accounts without notice; you maintain connections

Chase may add or remove eligible external accounts from the Aggregation Service at any time for any reason and has no obligation to notify you. You agree to take the actions needed to end outstanding authorizations, enter into or update authorizations, or otherwise give effect to adding or removing Linked Accounts. Connections to Linked Accounts may be lost, and it is solely your responsibility to update them. Institutions that have custody of your accounts and assets may not be eligible for the service.

Supporting quotations

We may add or remove eligible external accounts from the Aggregation Service at any time for any reason and have no obligation to provide notice to you of any such change. You agree to take actions necessary to terminate outstanding authorizations, enter into new or update existing authorizations, or otherwise give effect to the maintenance, addition or removal of Linked Accounts. You understand and acknowledge that connections to Linked Accounts may be lost and that it is solely your responsibility to update such connections. You understand and acknowledge that the institutions that have custody of your accounts and assets may not be eligible for the Aggregation Service.

Qualifications & exceptions

  • No notice is promised.

Account & Service Control · Context

ACH Collections Addendum: business customers only, last updated 12/11/2025

This Addendum governs your use of the ACH Collections Service. It is labelled "For Business Customers Only" and says it was last updated 12/11/2025. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions, except as the Addendum says otherwise, and the sentence points to "Section 13 below" for those exceptions even though the Addendum’s Definitions are in a later section.

Supporting quotations

Addendum:
ACH Collections Service
(For Business Customers Only)
Last updated: 12/11/2025
This Addendum governs your use of the ACH Collections Service. Except as otherwise set forth in this Addendum (including Section 13 below), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

Qualifications & exceptions

  • For business customers only.

Not stated here

  • The sentence cites "Section 13 below" for Addendum-specific meanings; in the supplied text Section 13 is "Warranties; Indemnity" and the Definitions are Section 15.

Account & Service Control · Restriction or exception

e-Bills: activating ends paper bills from that Payee and works with only one financial institution

e-Bills is a feature of the Bill Payment Service that lets you receive bills electronically from participating Payees. By activating it you agree to the terms in this Section to get e-Bills and related communications electronically, and must agree to each Payee’s terms, which include not receiving paper bills. Enrolling ends the Payee’s paper statements to you, including reformatted paper statements such as Braille or enlarged font, and any accommodation or exception is to be agreed between you and the Payee, not Chase. You must enrol each Payee individually, and the right to receive e-Bills for a Payee is limited to one financial institution: activating through Chase ends delivery through your current institution, and activating through another institution ends it through Chase.

Supporting quotations

6. Terms applicable to your use of the e-Bills Service for both Consumer and Business Accounts
E-Bills is a feature of the Bill Payment Service that enables you to receive bills electronically from participating Payees.
a. Electronic Communications/Payee Terms. By activating e-Bills, you agree to abide by the terms and conditions stated in this Section to get e-Bills, and to get other related communications electronically. By activating e-Bills, you will be required to agree to each Payee’s terms and conditions, which will also include the requirement to not to receive paper bills. For avoidance of doubt, you understand and agree that enrollment into e- Bills will terminate the provision of paper statements to you by the Payee, including any reformatted paper statements, i.e., Braille or enlarged font, that you were receiving from the Payee, and any accommodations or exceptions will be agreed upon and made between you and the Payee and not J.P. Morgan Chase.
b. Limitations. You must enroll each Payee individually in e-Bills. You also acknowledge and agree that the right to activate and receive e-Bills for each Payee is limited to one financial institution. If you activate e-Bills for a particular Payee through us, you will no longer receive e-Bills for that Payee through the financial institution through which you’re currently receiving such e-Bills. Conversely, if you activate e-Bills for a particular Payee through another financial institution, your action will effectively terminate the e- Bills service for that Payee and you will no longer receive such e-Bills through us.

Qualifications & exceptions

  • This section applies to both Consumer and Business Accounts.
  • Enrollment is per Payee.
  • Only one financial institution can deliver e-Bills for a given Payee.

Account & Service Control · User right or choice

Cancelling e-Bills: either side can stop, with a delay of one or two cycles

All parties may cancel the e-Bills service at any time. Chase may also stop delivering e-Bills for certain Payees or customers, will notify you if Chase or a Payee stops e-Bills, and may end a Payee’s participation at any time. If you ask for an e-Bill to be discontinued, Chase generally needs at least seven Business Days for the Payee to receive and process the request, so you may get no paper statement from the Payee and no e-Bill through a new financial institution, but continue to get e-Bills from Chase for one or two cycles.

Supporting quotations

f. Cancel e-Bills. All parties have the right to cancel the e-Bills service at any time. We may also elect to discontinue delivering e-Bills for certain Payees or customers. We will notify you if J.P. Morgan Chase or a Payee discontinues/stops e-Bills. If you request that an e- Bill be discontinued, we generally require at least seven (7) Business Days for the Payee to receive and process the request. Therefore, you may not receive a paper statement from the Payee, and/or you may not receive an e-Bill through the new financial institution through which you have activated the e-Bill service for the Payee, but continue to receive e-Bills from us instead for one or two cycles. We also reserve the right to terminate a Payee’s participation in e-Bills at any time.

Qualifications & exceptions

  • Discontinuing can take at least seven Business Days and one or two billing cycles.

Account & Service Control · Restriction or exception

e-Bills may be English-only and may not work with screen readers

You acknowledge that e-Bills are a convenience and payments due remain your responsibility. e-Bills may be available only in English and not in a foreign language such as Spanish, depending on the Payee, and by using e-Bills you agree to receive them in English even if you use Chase’s products in another language; Chase is not responsible for delivering them in a foreign language and questions go to the Payee. The e-Bill summary on a Chase digital platform is described as accessible via screen reader and other assistive technology (AT) and is different from the e-Bill itself. e-Bills may not be presented in a way that is accessible to screen readers or AT that conform to web content accessibility guidelines (WCAG), depending on the Payee; you agree to receive them as provided, even in an inaccessible format, and Chase is not responsible for delivering them in a WCAG-conformant format, with questions directed to the Payee.

Supporting quotations

i. Acknowledgements and Agreements. You understand and agree that
e-Bills are provided for your convenience, and payments due continue to be your responsibility;
e-Bills (and any content contained therein) may only be available in English, and not in a foreign language, including Spanish, regardless of whether you currently receive a Payee’s bill in a foreign language, depending on the Payee. By using e- Bills, you agree to receive the e-Bills in English, even if you use or access J.P. Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products and services in a foreign language. You agree that J.P. Morgan Chase is not responsible for delivering the e-Bills to you in a foreign language, and any questions regarding this issue will be directed to your Payee;
the e-Bill summary (and any content contained therein) is accessible via screen reader software and other Assistive Technology (“AT”) as presented on any J.P. Morgan Chase digital platform. The e-Bill summary may include the statement date, due date, amounts due and/or other information, and is different from the e- Bill;
e-Bills (and any content contained therein) may not be presented in a way which is accessible to screen reader software or AT which are conformant to web content accessibility guidelines (WCAG), regardless of whether you currently can access Payee’s bill online or via digital application using screen reader software or other AT, depending on the Payee. By using e-Bills, you agree to receive the e-Bills as provided, which may include an inaccessible format, even if you use or access J.P. Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products and services by using screen reader software or other AT. You agree that J.P. Morgan Chase is not responsible for delivering the e- Bills to you in a digitally accessible format which conforms to WCAG, and any questions regarding this issue will be directed to your Payee.

Qualifications & exceptions

  • Language and accessibility depend on the Payee.
  • The e-Bill summary is described as accessible; the e-Bill itself may not be.

Account & Service Control · Permission or license

Business Accounts: linking affiliated accounts and Consumer Accounts to Online Services

You may use Chase Online for Small Business to access eligible accounts, which may include accounts of affiliated, subsidiary or non-affiliated businesses with the same tax identification number, added to your business subscription with each business’s agreement. You may be permitted to link Consumer Accounts to your Online Services profile if the authorized signer on the Business Account is also an authorized signer on the Consumer Accounts being linked and the Consumer Account information provided during linkage is accurate and can be validated.

Supporting quotations

10. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR BUSINESS ACCOUNTS
You may use Chase Online for Small Business to access eligible accounts. These accounts may include accounts of affiliated, subsidiary, or non-affiliated businesses bearing the same tax identification number which may be added to your business subscription with the agreement of each such business. You may be permitted to link Consumer Accounts to your Online Services profile provided: (i) the authorized signer on the Business Account is also an authorized signer on the Consumer Accounts to be linked and (ii) the Consumer Account information provided during linkage is accurate and can be validated.

Qualifications & exceptions

  • Applies to Business Accounts.
  • Linking Consumer Accounts requires the same authorized signer and validated account information.

Account & Service Control · Procedure

Where to report wire errors: online message center, phone numbers and mailing address

For errors or questions about your funds transfers, contact Chase through the online message center or by the main phone number (877-242-7372), the international number (713-262-3300), the Deaf and Hard of Hearing line (operator relay calls accepted), or by mail to Online Customer Service, PO Box 2558, Houston, TX 77252-9968.

Supporting quotations

13. How to contact us
In case of errors or questions about your funds transfers please contacts using the online message center or as follows:
Main Phone Number: 877-242-7372
International Calls: 713-262-3300
Deaf and Hard of
Hearing:
We accept operator relay calls
Online Customer
Service
PO Box 2558
Written Correspondence:
Houston, TX 77252- 9968

Account & Service Control · Context

PayPal Provisioning Platform Terms: adding eligible Chase cards to P3, last updated 10/4/2021

This Addendum, last updated 10/4/2021, contains the PayPal Provisioning Platform Terms that govern your provisioning of any eligible Card (a "Chase P3 Card") for use on the PayPal Provisioning Platform ("P3"). In this Addendum "merchant" also includes retailers.

Supporting quotations

Addendum:
PayPal Provisioning Platform Terms
Last updated: 10/4/2021
This Addendum contains the PayPal Provisioning Platform Terms (“Terms”) that govern your provisioning of any eligible Card (each, a “Chase P3 Card") for use on the PayPal Provisioning Platform (“P3”). When we use the word “merchant” in this Addendum, it also includes retailers.

Account & Service Control · Permission or license

P3: only eligible cards in good standing; Chase can remove or block cards at any time

Only Chase P3 Cards that Chase determines are eligible can be added to P3. A credit, debit, prepaid or other card, or underlying account, that is not in good standing is not eligible, and Chase may set other eligibility criteria in its sole discretion. Chase can remove your Chase P3 Card from P3, or block, restrict or suspend your access to or use of any card or P3, at any time and for any reason, which may include suspected fraud, illegal activity or unauthorized or improper conduct. You can remove one or more cards from P3 at any time through chase.com, the Chase Mobile app, paypal.com or PayPal’s app.

Supporting quotations

4. Eligibility and Removal of Chase P3 Cards
Only Chase P3 Cards that we determine are eligible can be added to or provisioned for use with P3. If your credit card, debit card, prepaid card, or other card or underlying account is not in good standing, that credit card, debit card, prepaid card, or other card will not be eligible to be added to or provisioned for use with P3. We may determine other eligibility criteria in our sole discretion. We can also remove your Chase P3 Card from P3 at any time, or otherwise block, restrict or suspend your access to or use of any Chase P3 Card or P3 at any time and for any reason. These reasons may include, but are not limited to, suspected fraud or illegal activity or unauthorized or improper conduct. You can also remove one or more of your Chase P3 Cards from P3 at any time through chase.com, the Chase Mobile® app, paypal.com, or PayPal’s app.

Qualifications & exceptions

  • The listed reasons are examples ("may include, but are not limited to").

Account & Service Control · Permission or license

Real-Time Payments: eligibility rules, and Chase may suspend access if it reasonably suspects non-compliance

Using the service to receive requests for payment or to pay in response to requests may be subject to eligibility requirements. Chase may suspend or terminate your ability to submit or receive requests for payment, or your access to the Real-Time Payments Service, if it reasonably suspects you have failed to comply with the Agreement.

Supporting quotations

You acknowledge and agree that your use of the Real-Time Payments Service to receive requests for payment or to make payments in response to requests for payment may be subject to eligibility requirements, and we may suspend or terminate your ability to submit or receive requests for payment or your access to the Real-Time Payments Service in the event that we reasonably suspect you have failed to comply with this Agreement.

Qualifications & exceptions

  • Chase acts when it "reasonably suspects" non-compliance.

Not stated here

  • The eligibility requirements are not listed in this paragraph.

Account & Service Control · Restriction or exception

Canceling Subscriptions eligibility: active Chase account, U.S. use, lawful use, over 18

As a condition of Chase providing the Service, you make these representations, warranties and agreements while the Addendum is in effect: you must have one or more eligible and active Chase accounts in your profile, and Chase may determine eligibility and restrict your use in its sole discretion; any access or use of the Service must occur within the United States; you will use it only for lawful purposes; you must be enrolled in Chase online or mobile banking and have an eligible Chase credit or debit card; and you are over the age of eighteen.

Supporting quotations

3. Eligibility and Requirements
As a condition to our engagement to provide, and continued provision of, the Service to you, you make the following representations, warranties, covenants, and agreements, as of the date hereof, and during such time as this Addendum remains in effect.
In order to use the Service, you must have one or more eligible and active Chase accounts in your profile. We have the right to determine eligibility and to restrict your use of the Service in our sole discretion.
You agree that any access or usage of the Service must occur within the United States.
You agree that you will only use the Service for lawful purposes.
You must be enrolled in our online (www.chase.com) or mobile banking app (Chase Mobile®) and have an eligible Chase credit or debit card to be eligible to use the Service.
You represent that you’re over the age of eighteen (18).

Qualifications & exceptions

  • Use must occur within the United States.
  • Chase decides eligibility in its sole discretion.

Account & Service Control · User right or choice

Canceling Subscriptions: each use is a separate consent; Chase may restrict or stop the Service

Each use of the Service is a separate transaction for which you consent to use of the Service for that transaction only. The Addendum does not require continued use, so you may stop future use at any time. Chase reserves the right to restrict or cancel your access to the Platform and its content or any part or feature, including the Service, at any time, and may decline your request or stop performing the Service for you at any time in its sole discretion.

Supporting quotations

8. Right to Discontinue Use of the Service
Each usage of the Service is a separate transaction requiring that you consent to use of the Service for that transaction only. This Addendum does not require your continued use of the Service so you may discontinue future use of the Service at any time.
We reserve the right to restrict or cancel your access to the Platform and its content or any part or feature thereof, including the Service, at any time. We may decline to accept your request for the Service or may elect to stop performing Service for you at any time in the exercise of our sole discretion.

Account & Service Control · Company practice

Canceling Subscriptions: notices may be sent by email, phone, mail or posting

By using the Service you agree that notices Chase or the Service Provider must give you under the Addendum may be sent to any electronic mailbox Chase has for you, any other email address or telephone number you provide, the current address on file, or in any other manner permitted by law, including posting on Chase’s website.

Supporting quotations

a. Notices
You agree that by using the Service, all notices or other communications which we or Service Provider may be required to give you arising from our obligations under this Addendum or the Service may be sent to you by any or all of the following sources:
Through electronic notice given to any electronic mailbox we have for you,
Any other electronic mail address or telephone number you provide to us,
The current address we have on file for you, or
In any other manner permitted by law including, but not limited to, posting it on our website.

Qualifications & exceptions

  • Any or all of the listed methods may be used.

Account & Service Control · Permission or license

Canceling Subscriptions: features can change and notice is given only if legally required

Chase or the Service Provider may from time to time add new features to the Service or change or remove existing ones in their sole discretion. Chase will notify you of feature changes if it is legally required to. By using any new or modified feature when it becomes available you agree to be bound by the rules and terms for it.

Supporting quotations

b. New Features; Change in Service
We or Service Provider may, from time to time, introduce new features to the Service or modify or delete existing features in our sole discretion. We shall notify you of any of these changes to features if we are legally required to do so. By using any new or modified features when they become available, you agree to be bound by the rules and terms concerning these features.

Qualifications & exceptions

  • Notice is promised only when legally required.

Account & Service Control · Permission or license

Canceling Subscriptions: Chase can end the Terms or your access at any time; you cannot assign

Chase may terminate or suspend these Terms, or terminate, suspend or limit your access to or use of the Service, in whole or part, at any time for any reason without prior notice, including use it considers illegal, improper or potentially exposing the bank, a payment network or the financial system to risk, or when you no longer have an eligible Chase Account. Obligations and liabilities incurred before termination survive. If your Chase Account is not in good standing it is not eligible for the Service, and Chase may set other eligibility criteria in its sole discretion. Chase may also end or suspend its participation in the Service or with the Service Provider or a Merchant at any time. You may not assign these Terms.

Supporting quotations

c. Ending or Changing these Terms; Assignments
We may terminate or suspend these Terms, or terminate, suspend or limit your access or privileges to or use of the Service, in whole or part, at any time for any reason without prior notice, including for reasons involving your use of the Service which we may deem to be illegal, improper, or potentially exposing the bank, a payment network, or the financial system to risk, and/or when you no longer have an eligible Chase Account. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms for all purposes. If your Chase Account is not in good standing, that account will not be eligible to be used in connection with the Service. We may determine other eligibility criteria in our sole discretion. We also reserve the right to terminate or suspend our participation in the Service or with Service Provider or a particular Merchant at any time. You may not assign these Terms.
d. Limitation of Liability; No Warranties

Qualifications & exceptions

  • No prior notice is required.

Account & Service Control · Procedure

Canceling Subscriptions: contact Chase using your account agreement’s numbers and websites

For questions, disputes or complaints about the Service, or more information about a Subscription Cancellation request you made, you may contact Chase using the phone numbers and websites provided on your applicable deposit or card account agreement.

Supporting quotations

f. Questions
If you have any questions, disputes, or complaints about the Service or if you need more information about a Subscription Cancellation request you made using the Service, you may contact us using the phone numbers and websites provided on your applicable deposit or card account agreement.

Account & Service Control · Context

Digital Wallets Addendum: terms when you add or activate a Chase card in a wallet, last updated 8/7/2025

This Addendum, last updated 8/7/2025, contains the terms for adding or activating your Chase Card in an online payment tool, such as an app, website, service or software program, owned by Chase or a third party that stores virtual versions of cards for electronic transactions without presenting the physical card (a "Wallet"). The terms apply when you add or "Activate" an eligible Chase credit or debit card in a Wallet, where Activate means using or choosing to keep an eligible Chase Card that has been pre-populated or automatically provisioned into a Wallet. When you add or Activate a Chase Card in a Wallet, you agree to these Terms. In them "you" is the cardholder and "we", "us" and "Chase" mean JPMorgan Chase Bank, N.A.

Supporting quotations

Addendum:
Terms Applicable To Your Use of Digital Wallets with Chase Cards
Last updated: 8/7/2025
This Addendum contains the terms for adding or activating your Chase Card in an online payment tool such as an app, online website or service, or software program owned by us or by a third party that stores virtual versions of debit and credit cards for making transactions electronically without presentment of the physical card, often called a wallet, e-wallet or digital wallet (“Wallet”). These terms (the “Terms”) apply when you choose to add or Activate an eligible Chase credit card or debit card ("Chase Card") in a Wallet. “Activate” means using or choosing to retain your eligible Chase Card that has been pre-populated or automatically provisioned to a Wallet. In these Terms, "you" and "your" refer to the cardholder of the Chase Card, and "we," "us," "our," and "Chase" refer to JPMorgan Chase Bank, N.A.
When you add or Activate a Chase Card in a Wallet, you agree to these Terms:

Qualifications & exceptions

  • Keeping or using an automatically provisioned card counts as Activating it, which brings these Terms into effect.

Account & Service Control · Company practice

Digital wallets: how cards are added, which wallets, and card eligibility

You can add or Activate an eligible Chase Card in a Wallet by following Chase’s instructions on a Chase platform (such as the Chase Mobile app or chase.com) or the Wallet Provider’s instructions. "Wallet Provider" means a third-party provider of a Wallet, or Chase if Chase provides the Wallet. Chase may provision certain eligible cards into Wallets that Chase owns or operates and into Wallets such as Paze, owned and operated by Early Warning Services, LLC. Only Chase Cards that Chase determines are eligible can be added or Activated. A card or underlying account that is not in good standing is not eligible, and Chase may set other eligibility criteria in its sole discretion.

Supporting quotations

1. Adding/Activating Your Chase Card
You can add or Activate an eligible Chase Card to a Wallet by either following our instructions as they appear on a Chase proprietary platform (e.g., Chase Mobile® app or chase.com) or by following the instructions of the Wallet Provider. “Wallet Provider” means a third party provider of a Wallet or Chase, if Chase directly provides the Wallet. Chase may provision certain eligible Chase Cards into Wallets owned or operated by Chase. Chase may also provision certain eligible Chase Cards into Wallets such as PazeSM, a Wallet owned and operated by Early Warning Services, LLC. Only Chase Cards that we determine are eligible can be added to or Activated in a Wallet. If your Chase Card or underlying account is not in good standing, that Chase Card will not be eligible to be added to or provisioned in a Wallet. We may determine other eligibility criteria in our sole discretion.

Account & Service Control · Permission or license

Wallet terms: Chase can end or change them at any time; you end them by removing your cards

Chase can terminate these Terms at any time and can change them, or add or delete items, at any time. Your use of a Chase Card in a Wallet after Chase makes changes available counts as agreeing to them, and Chase will give notice if the law requires it. Chase can also assign these Terms. Subject to applicable law, at any time Chase may terminate your use of any Chase Card with a Wallet, modify or suspend the type or dollar amounts of transactions allowed, change a card’s eligibility for use with a Wallet, and/or change the card authentication process. You cannot change the Terms but can end them at any time by removing all Chase Cards from the Wallet. You may not assign these Terms.

Supporting quotations

10. Ending or Changing these Terms; Assignments
We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. Your use of a Chase Card in a Wallet after we have made such changes available will be considered your agreement to the changes. We will provide notice if required by law. We can also assign these Terms. Furthermore, subject to applicable law, at any time we may (i) terminate your use of any Chase Card in connection with a Wallet, (ii) modify or suspend the type or dollar amounts of transactions allowed using Chase Cards in connection with a Wallet, (iii) change a Chase Card's eligibility for use with a Wallet and/or (iv) change the Chase Card authentication process. You cannot change these terms, but you can terminate these Terms at any time by removing all Chase Cards from the Wallet. You may not assign these Terms.

Qualifications & exceptions

  • Notice of changes is given only if required by law.

Account & Service Control · Procedure

Wallet terms: how notices are given and who to contact with questions

Chase can give notices about these Terms and your use of a Chase Card in a Wallet by posting on its website, by electronic notice to any mailbox it maintains for you or any other email address or telephone number you provide, or by contacting you at the current address on file. You may contact Chase at the phone number given. For questions, disputes or complaints about a Wallet, contact the Wallet provider using the information it gave you; if the question, dispute or complaint is about your Chase Card, contact Chase at the number given.

Supporting quotations

12. Notices
We can provide notices to you concerning these Terms and your use of a Chase Card in a Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1-888-364-7250.
14. Questions
If you have any questions, disputes, or complaints about a Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Chase Card, then contact us at: 1-888-364-7250.

Account & Service Control · Permission or license

Business Accounts: linking affiliated and Consumer Accounts to Online Services for Payments and Transfers

You may use Chase Online for Small Business to access eligible accounts, which may include accounts of affiliated, subsidiary or non-affiliated businesses added to your business subscription with each business’s agreement. You may be permitted to link Consumer Accounts to your Online Service or Mobile Services profile if the authorized signer on the Business Account is also an authorized signer on the Consumer Accounts being linked and the Consumer Account information given at linkage is accurate and can be validated.

Supporting quotations

4. Additional Terms Applicable Only to Payments and Transfers for Business Accounts
a. Linking Multiple Accounts – Business and Consumer
You may use Chase Online for Small Business to access eligible accounts. These accounts may include accounts of affiliated, subsidiary, or non-affiliated businesses that may be added to your business subscription with the agreement of each such business. You may be permitted to link Consumer Accounts to your Online Service or Mobile Services profile provided: (i) the authorized signer on the Business Account is also an authorized signer on the consumer accounts to be linked and (ii) the Consumer Account information provided during linkage is accurate and can be validated.

Qualifications & exceptions

  • Applies to Business Accounts.

Account & Service Control · Restriction or exception

Zelle: generally available 24/7; enrolling or using means you accept and have authority over the account

Subject to the Agreement, the Services are generally available 24 hours a day, seven days a week, except for maintenance outages and circumstances beyond Chase’s or Zelle’s control. When you enrol or use the Service, or someone legally delegated to act for you does, you agree to the terms of the Agreement, and you represent that you have the authority to authorize debits and credits to the enrolled bank account.

Supporting quotations

f. Subject to the terms of this Agreement, the Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Zelle's control.
g. When you enroll to use the service or use or access the Service, or another person(s) or entity who is legally delegated to act on your behalf uses or accesses the Service, you are agreeing to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account.

Account & Service Control · Permission or license

Zelle eligibility: eligible Chase checking account; Chase may re-designate your default account and restrict recipients

To enrol and request, send or receive money you must have one or more eligible U.S. accounts to designate a From and/or To Account, and customers may enrol in Zelle with Chase only with an eligible Chase checking account. If your designated default From or To Account is inactive or terminated, Chase may, and you authorize it to, designate another eligible and active Chase Account in your profile as your primary account. You may change the designated accounts at any time under the Agreement. Chase has the right to determine eligibility and to restrict categories of recipients in its sole discretion. If eligible, the Service may be used to make a transfer between a Chase Account and another Chase Account, or between a Chase Account and a Network Bank Account (other than Chase).

Supporting quotations

h. In order to enroll in the Service to request, send or receive money, you must have one or more eligible U.S. accounts to designate a From Account and/or a To Account, as applicable. Customers may only enroll in Zelle with Chase with an eligible Chase checking account. If the existing default From Account or To Account you designated is inactive or terminated, we may, and you hereby authorize us to, designate on your behalf another eligible and active Chase Account in your profile as your primary From Account or To Account. You may change the designated accounts at any time subject to the terms of this Agreement.
i. We have the right to determine eligibility and to restrict categories of recipients to whom payments may be made using the Service in our sole discretion. If eligible, the Service may be used to make a transfer between (i) a Chase Account and another Chase Account, or (ii) a Chase Account and a Network Bank Account (other than Chase).

Account & Service Control · Permission or license

Zelle: Chase and Zelle may end or limit your access at any time without notice

Zelle and Chase reserve the right to terminate, suspend or limit your access to or use of the Zelle Service at any time and without prior notice for reasons including your use of the service at any Network Financial Institution that may be deemed illegal, ineligible or improper, inconsistent with network rules, Chase’s policies or the terms of service, potentially associated with scams or fraud, brand damaging, or potentially exposing Chase, Zelle or the financial system to risk.

Supporting quotations

v. Zelle and we reserve the right to terminate, suspend, or limit your access to or use of the Zelle Service at any time and without prior notice for reasons, including, but not limited to, your use of the Zelle Service at any Network Financial Institution which may be deemed to be: (i) illegal, (ii) ineligible or improper, (iii) inconsistent with (A) network rules, (B) our policies, or (C) terms of service, (iv) potentially associated with scams or fraud, (v) brand damaging, or (vi) potentially exposing us, Zelle, or the financial system to risk.

Qualifications & exceptions

  • No prior notice is required.
  • The reasons are introduced by "including, but not limited to".

Account & Service Control · Permission or license

Zelle tags: initially business only for enrolling, consumers can pay them; tags can be removed or changed

The Service may let you use a unique alphanumeric identifier on your enrolled User profile (a "Zelle tag") instead of your mobile number or email address when sending, receiving or requesting money. Not all Users are eligible, and Zelle and Chase decide eligibility in their sole discretion. Initially only Chase Business Account Users can enrol a Zelle tag, although consumer Zelle Users may send money to and receive payment requests from a User using a Zelle tag. Each tag must have an eligible U.S. mobile number associated with it, there is a limit on how many tags you may use, and a tag must meet the Content Standards and must not mislead or deceive Users about your identity. Neither Chase nor Zelle must monitor tags, but both have absolute discretion to remove one at any time and for any reason without notice, may require you to change it, may make a tag unavailable to you without liability, and may monitor tags to detect and prevent fraud or breaches. You may be exposed to an offensive tag, Chase and Zelle assume no liability for tags and make no warranty that a tag accurately identifies a User. Chase may limit or end use of its products and services for users who use or publish content subject to intellectual property rights claims.

Supporting quotations

n. Zelle tags: The Service may include functionality for you to use a unique alpha-numeric identifier to your enrolled User profile to be used in lieu of your mobile phone number or email address when sending, receiving, or requesting money, which will be your “Zelle® tag.” Not all Users may be eligible for Zelle tag enrollment, and Zelle and Chase may determine eligibility in their sole discretion. Initially, only Chase Business Account Users of our Zelle service are eligible to enroll a Zelle tag, although consumer Zelle Users may send money to and receive payment requests from a User using a Zelle tag. Each Zelle tag must have an eligible U.S. mobile phone number associated with it, and there will be a limit on the number of Zelle tags you may use. Your Zelle tag must meet the Content Standards. You may not select a Zelle tag that misleads or deceives other Users of the Service as to your identity, or otherwise. Although neither we nor Zelle have any obligation to monitor User Zelle tags, both we and Zelle® have absolute discretion to remove a User Zelle® tag at any time and for any reason without notice. We and Zelle may require you to change your Zelle tag in our sole discretion, and we may elect to make a Zelle tag unavailable to you, without any liability to you. We and Zelle may also monitor User Zelle tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service, you may be exposed to a Zelle tag that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any User Zelle tags, including any loss or damage caused thereby. We and Zelle make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Service. We respect the intellectual property of others and require that users of the Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish content on the Service that is subject to intellectual property rights claims.

Qualifications & exceptions

  • Only Chase Business Account Users can enrol a Zelle tag initially; consumers can pay to one.
  • Removal or change of a tag is at Chase’s and Zelle’s discretion and without notice.

Account & Service Control · Procedure

Zelle enrollment: regular email and permanent U.S. mobile number, and re-verification after 12 months of inactivity

You must give an email address you regularly use (no disposable addresses) and a permanent U.S. mobile phone number you intend to use for an extended period (no "burner" numbers), and immediately update any registered email or mobile number you give up or stop using. You may not enrol with a home or landline number, toll-free number, Google Voice number or Voice over Internet Protocol number. To send, request or receive money a User must be enrolled in Zelle at Chase or another Network Financial Institution and have an eligible To or From Account, and for transfers between you and another Chase User both must be Chase Accounts. Once enrolled you can authorize debits to send money at your initiative or in response to a request, and receive money at another User’s initiative or in response to your request, subject to the Requesting Money section. If you neither send nor receive money for twelve consecutive months, Chase may contact you or take other steps to confirm the number, email or Zelle tag still belongs to you, and if it cannot confirm, or learns you are not the owner, it may cancel your enrolment until you enrol again. A Z logo appears on your profile for each enrolled U.S. mobile number, email address or Zelle tag to show other Users which to use, and if a User sends money using a different number or email you have, you receive a message with instructions to enrol it. If you select a Zelle tag, the mobile number tied to your profile is used as a Contact Method for service communications.

Supporting quotations

2. Enrolling in the Service
You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers), and must immediately update any registered email address or mobile phone number that you surrender or no longer use. You may not register or enroll with a home phone or “landline” phone number, toll-free number, Google Voice number, or Voice over Internet Protocol phone number.
To send, request and/or receive money, the User must (i) be enrolled in Zelle at Chase or at another Network Financial Institution, and (ii) have an eligible To Account or From Account, and in the case of transfers between you and another User at J.P. Morgan Chase, eligible To and From Accounts that are Chase Accounts.
Once enrolled, you may: (i) authorize a debit of your account to send money to another User at your initiation or in response to the request of that User; and (ii) receive money from another User at that User’s initiation or in response to your request, subject to the conditions of the Section below titled “Requesting Money.”
If at any time while you are enrolled, you do not send or receive money using the Service for a period of twelve (12) consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile phone number, email address, or Zelle tag (if applicable) that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number, email address, or Zelle tag, or we receive information that you are not the owner of the mobile number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.
Once enrolled, a Z logo will appear on your profile for each U.S. mobile number, email address, and/or Zelle tag (if applicable) that you have enrolled with Zelle. The Z logo will be displayed to other Users to aid them in determining which of your U.S. mobile numbers, email addresses, and/or Zelle tag should be used to send money to you with Zelle. If a User sends you money using a different U.S. mobile number, email address, or Zelle tag (if applicable) that they may have for you (for example, your e- mail or mobile phone number that is not already enrolled with Zelle), you will receive a message with instructions on how to enroll with Zelle.
If you enroll for the Service and select to use a Zelle tag, the mobile phone number associated with your User profile will be used as a Contact Method for communication related to the Service and must meet the requirements described herein.

Qualifications & exceptions

  • Landline, toll-free, Google Voice and VoIP numbers cannot be used to enrol.
  • Chase may cancel enrolment if it cannot confirm ownership after twelve months without sending or receiving.

Account & Service Control · User right or choice

Zelle: you can block other Users, but blocking is not guaranteed

If you receive a Zelle payment or request from another User, or have sent one and no longer want to receive payments or requests from that User, the Service may let you block them in the Chase mobile app or at chase.com, and you may block, unblock or reblock at any time. Once you block a User, they cannot send payments or requests to you unless you remove the block, though you can still pay them. Chase will take reasonable steps to block fully, but because of Network limitations changes to the User’s account or Zelle IDs may affect the block, so Chase cannot guarantee you will not receive another payment or request and you may need to block again. Chase does not guarantee the availability, timeliness or success of blocking, does not notify the blocked User though it cannot guarantee they will not find out, and neither Chase nor Zelle is liable to you or any third party for losses from a delay or failure to block or for later payments or requests that cannot be blocked due to Network limitations.

Supporting quotations

If you receive a Zelle payment or request for payment from another User, or have sent a payment or request for payment and no longer want to receive payments or requests for payments from that User, the Service may include functionality that allows you to block them through Zelle with Chase in the Chase mobile app or online in your account at chase.com. You may block, unblock or reblock the User at any time. You understand and agree that once you place a block through Zelle with Chase:
The blocked User will not be able to send any payments or requests through the Service to you unless you remove the block; you will still be able to send payments to the blocked User;
While we will take reasonable steps to completely block your selected User from transacting with you on Zelle with Chase, due to Network limitations at this time, certain changes pertaining to the User’s account and/or Zelle IDs may impact the effectiveness of the User block; we cannot guarantee that you will never receive another payment or request for payment from that User post-block and if you do, you may need to block the User again;
We do not guarantee the availability, timeliness or success of any blocking functionality
We will not notify the User that you have blocked them;
Neither we nor Zelle shall have any liability to you or any third party for any losses or damages related to any delay or failure by us to block a User, for any subsequent payments or requests from that User that we are unable to block due to Network limitations.

Qualifications & exceptions

  • Blocking is not guaranteed and may need repeating.
  • You can still send payments to a User you have blocked.

Account & Service Control · Company practice

Zelle transfers to or from a Chase account appear on that account’s statement

All of your transfers made through the Service to or from a Chase Account appear on the Chase statement for that account.

Supporting quotations

3. Statements
All of your transfers made through the Service to or from a Chase Account will appear on the J.P. Morgan Chase statement for such account.

Account & Service Control · User right or choice

Cancelling Zelle: by phone or online; in-process transfers cannot be stopped

You may cancel the Service by calling Chase or online. Cancelling also terminates any Pending, Repeating and Future Dated transfers, but a transfer that is In Process cannot be Cancelled by you. After cancelling you can no longer access or use the Service and receive no refund of service fees, if any. Cancelling the Service does not cancel your other Online or Mobile Services or your account relationships with Chase.

Supporting quotations

6. Cancellation of Your Service
You may cancel the Service by calling 877-CHASEPC (877-242-7372) or online. By canceling the Service, any Pending, Repeating and Future Dated transfers, will also be terminated, however any transfer that is In Process cannot be Cancelled by you. When you cancel the Service, you will no longer be able to access or use the Service and you will not receive a refund of service fees, if any. When you cancel the Service, it will not cancel your other Online Services or Mobile Services or your account relationships, if any, with us.

Qualifications & exceptions

  • In Process transfers cannot be cancelled.

Account & Service Control · Permission or license

Zelle: Chase may end its participation in the network or with a particular institution at any time

Chase also reserves the right to terminate or suspend its participation in the Zelle network, or with a particular financial institution, at any time.

Supporting quotations

17. Termination
We also reserve the right to terminate or suspend our participation in the Zelle network or with a particular financial institution at any time.