What the agreement covers: Chase digital platforms and services
The Digital Services Agreement is between you and J.P. Morgan Chase and governs how you use, access and manage the listed digital platforms (Chase Online, Chase Mobile, Chase Business Online, Chase Point of Sale, J.P. Morgan Online and J.P. Morgan Mobile). It also governs the products, services and software made available on those platforms and on certain third-party digital platforms that Chase picks from time to time. Those "Services" include products that use artificial intelligence and the products governed by the Addenda that follow the General Terms and Conditions.
Supporting quotations
This Agreement is between you and us and governs your use, access, and management of J.P. Morgan Chase’s digital platforms, including Chase Online, Chase Mobile®, Chase Business Online, Chase Point of Sale (POS)sm, J.P. Morgan Online, and J.P. Morgan Mobile (collectively, the "Digital Platforms"). This Agreement also governs your use of the products, services (including Online Services and Mobile Services), and software made available to you on the Digital Platforms and certain third-party digital platforms, as determined by us from time to time, including products and services that use artificial intelligence (“AI”) and products and services governed by the terms contained in the Addenda attached hereto (collectively, "Services").
Qualifications & exceptions
Third-party digital platforms are covered only when Chase determines so from time to time.
The Services include Online Services and Mobile Services and anything covered by an Addendum.
Not stated here
The agreement does not list here which third-party digital platforms count.
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.
Use & Processing · Context
New Artificial Intelligence Features section; last updated June 2026
The agreement notes that a new section called "Artificial Intelligence Features" has been added. It describes your use of Digital Platform products and services that use artificial intelligence, your responsibilities, the limits of AI services and how to report errors. The document is marked "Last updated: June 2026".
Supporting quotations
A new section, “Artificial Intelligence Features,” has been added to this Digital Services Agreement. This section describes your use of Digital Platform products and services that use artificial intelligence (“AI”) and sets out important information about your responsibilities, the limitations of AI services, and how to report errors.
Last updated: June 2026
Qualifications & exceptions
This is a summary notice; the operative AI terms are in the General Terms and Conditions section on Artificial Intelligence Features.
Legal Rights & Agreement Rules · Restriction or exception
English version controls; some products are English only
The agreement (the General Terms and Conditions plus the Addenda) may be offered in Spanish as a courtesy. If the Spanish and English versions or related documents differ in meaning, the English version is the official one and prevails. Certain products and services, including Investment Accounts from J.P. Morgan Securities LLC, are available only in English. The e-Bills terms add that e-Bills may be available only in English, depending on the payee, even if you use Chase in another language.
Supporting quotations
If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail.
certain products and services, including Investment Accounts from J.P. Morgan Securities LLC, are only available in English.
If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail.
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.
Qualifications & exceptions
Applies to differences in meaning between language versions of this Agreement or related documents provided now or in the future.
The e-Bills English-only rule depends on the payee.
Legal Rights & Agreement Rules · Context
Arbitration notice covers most disputes (cited as Section 13)
The opening notice warns that the agreement has an arbitration provision covering most disputes between you and Chase about this Agreement, and tells you to read it because it affects your rights. The notice points to "Section 13 of the General Terms and Conditions", but in the supplied text Section 13 is titled "No Warranties by J.P. Morgan Chase" and the arbitration terms appear under Section 14, "Disputes and Arbitration". The reference is therefore recorded as not matching the section numbers in this document.
Supporting quotations
This Agreement contains an arbitration provision that covers most disputes between you and us regarding this Agreement. Please read the arbitration provision set forth in Section 13 of the General Terms and Conditions as it affects your rights under this Agreement.
Qualifications & exceptions
The notice says "most disputes", not all.
The cited section number does not match the heading numbers in the supplied text.
Not stated here
Whether Section 13 in the notice was meant to point to Section 14 is not stated in the document.
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).
Charges & Financial Obligations · Context
Investment Account is defined to include non-FDIC investment products
"Investment Account(s)" is defined as certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates. These may include bank-managed accounts and custody, trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC. A line directly after the definition states that the language does not explicitly reference JPMorgan Wealth Management, and the document does not explain what follows from that statement. Elsewhere, the QuickDeposit Addendum lists a J.P. Morgan Wealth Management investment account as an eligible account type.
Supporting quotations
“Investment Account(s)” is defined as including certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC.
This language does not explicitly reference JPMorgan Wealth Management.
J.P. Morgan Wealth Management investment account
Qualifications & exceptions
The definition says "may include", so the list is not a complete list of products.
Investment products are described as non-FDIC insured.
Not stated here
The effect of the sentence saying the language does not explicitly reference JPMorgan Wealth Management is not explained.
Legal Rights & Agreement Rules · Context
Table of contents: General Terms and Conditions topics
The table of contents shows that the General Terms and Conditions cover a long list of topics that apply to all Services. They include mobile services, artificial intelligence features, records and communications, notices and changes to the agreement, login credentials and sensitive information, interruptions in service, limitation of liability, disputes and arbitration, privacy, indemnity, risk of loss, minors and children, intellectual property, termination and suspension, and governing law, followed by a glossary. This is a navigation list; the terms themselves are in the sections it names.
Supporting quotations
Mobile Services
Artificial Intelligence Features
Records; Communications
Notices Associated with Electronic Communications, Change in Terms of this Agreement, or New Features
Login Credentials and Other Sensitive Information
Limitation of Liability
Disputes and Arbitration
Privacy
Authorization for Minors and Children to Access Digital Platforms and Services
Intellectual Property
Termination and Suspension; Assignment; Survival
Governing Law
GLOSSARY
Qualifications & exceptions
Table-of-contents entries do not state any rule on their own.
Legal Rights & Agreement Rules · Context
Table of contents: Addenda for specific Services (part 1)
After the General Terms and Conditions, the agreement has separate Addenda for particular Services, each with its own terms. The first part of the table of contents lists Addenda for the Access and Security Manager Online Service, the Account Aggregation Service, the ACH Collections Service, ACH Payment Services, the Bill Payment Service, the Bill Pay Directory Service, Chase and J.P. Morgan QuickDeposit for Mobile, and Chase QuickDeposit Classic for Business Banking. Under the opening notice, a Service stays inactive until you activate it, so an Addendum applying to a product does not mean you use that product.
Supporting quotations
Addendum: Access and Security Manager Online Service
Addendum: Account Aggregation Service
Addendum: ACH Collections Service
Addendum: ACH Payment Services
Addendum: Bill Payment Service
Addendum: Bill Pay Directory Service
Addendum: Chase and J.P. Morgan QuickDeposit for Mobile
Addendum: Chase QuickDeposit Classic for Business Banking
Qualifications & exceptions
Some Addenda are labelled for business customers only in the body of the agreement; this listing does not show that label.
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.
Legal Rights & Agreement Rules · Context
Table of contents: Addenda for specific Services (part 2)
The table of contents continues the list of Addenda with the Fraud Protection Services Addendum, which lists the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service, and the Gifting Service Addendum. It also continues the section list of the QuickDeposit Classic Addendum for business banking, including deposit limits, item processing, and cancellation or termination of the service. This is a navigation list; each Addendum has its own terms later in the document.
Supporting quotations
Deposit Limits
Item Processing
Cancellation or Termination of Service Addendum: Fraud Protection Services
The Positive Pay Service
The Reverse Positive Pay Service.
ACH Debit Block Service
Addendum: Gifting Service
Qualifications & exceptions
Table-of-contents entries do not state any rule on their own.
Legal Rights & Agreement Rules · Context
Table of contents: Addenda for specific Services (part 3)
The rest of the table of contents lists the Addenda for the Invoicing Service, Online Wire Transfer and Chase Global Transfer Services, PayPal Provisioning Platform Terms, Real-Time Payments Service, Terms and Conditions for Canceling Subscriptions, Terms Applicable To Your Use of Digital Wallets with Chase Cards, Transfers Service and Zelle Service. Some of these Addenda list their own limitation of liability, privacy, governing law, or binding arbitration sections. This is a navigation list; the terms are in the Addenda themselves.
Supporting quotations
Addendum: Invoicing Service
Addendum: Online Wire Transfer and Chase Global Transfer Services
Addendum: PayPal Provisioning Platform Terms
Addendum: Real-Time Payments Service
Addendum: Terms & Conditions for Canceling Subscriptions
Addendum: Terms Applicable To Your Use of Digital Wallets with Chase Cards
Addendum: Transfers Service
Addendum: Zelle® Service
Governing Law and Disputes
Binding Arbitration
Qualifications & exceptions
Table-of-contents entries do not state any rule on their own.
Several Addenda split their terms between consumer accounts and business accounts.
Not stated here
How an Addendum section such as Governing Law and Disputes or Binding Arbitration interacts with the General Terms and Conditions depends on the text of those sections.
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.
Legal Rights & Agreement Rules · Restriction or exception
Account agreements and other documents control if they directly conflict
You also agree to follow other written requirements Chase gives you for the Digital Platforms, Services or Products, such as account agreements, loan documents, cardmember agreements, end user license agreements and privacy policies (the "Other Documents"), and all applicable state, federal and international laws. If there is a direct and irreconcilable conflict between this Agreement and the Other Documents, the Other Documents control unless this Agreement specifically says otherwise. This Agreement is not meant to change the Other Documents, which keep applying to your accounts.
Supporting quotations
Additionally, you acknowledge or otherwise agree to comply with: (a) such other written requirements as we may provide in connection with the Digital Platforms, Services, or Products, including all terms and conditions contained in any account agreements, loan documents, cardmember agreements, EULA, and privacy policies (collectively, the "Other Documents"); and (b) all applicable state, federal and international laws and regulations. To the extent there is a direct and irreconcilable conflict between this Agreement and the Other Documents, the Other Documents shall control unless this Agreement specifically states otherwise.
This Agreement is not intended to modify the Other Documents and the Other Documents will continue to apply to your accounts.
Qualifications & exceptions
Only a direct and irreconcilable conflict triggers the priority rule.
This Agreement can state that it overrides an Other Document in a specific place.
Not stated here
The agreement does not say which specific Other Documents apply to a given customer.
Legal Rights & Agreement Rules · Context
This Agreement beats employee statements; third-party features have their own terms
If this Agreement conflicts with something said by a Chase employee or a Chase affiliate’s employee, this Agreement governs. When you use services or features on the Digital Platforms that are provided directly by third parties, your use is also governed by the agreements and terms of those third parties.
Supporting quotations
If this Agreement conflicts with any statements made by one of our employees or by our affiliates’ employees, this Agreement will govern. When using other services or features available through the Digital Platforms but provided directly by third parties, your use of such services or features will also be governed by the agreements and other terms or conditions with such third parties governing use of those services or features.
Qualifications & exceptions
The third-party terms apply in addition to this Agreement for services provided directly by third parties.
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.
Legal Rights & Agreement Rules · Context
How terms are read: capitalized terms, headings, "including", "or"
Capitalized terms have the meanings in the General Terms and Conditions, the applicable Addendum or the Glossary; any capitalized term used but not defined takes its meaning from the Other Documents. Words such as "herein" refer to the whole Agreement. Titles and captions are for convenience only and do not define or limit the scope of any provision. "Include", "includes" and "including" are examples, not an exclusive list, whether or not followed by "without limitation". "Or" and "and/or" are to be taken as accurate unless context suggests otherwise, and each covenant is a separate and independent covenant. The Spanish version is a courtesy and the English version prevails if the meanings differ.
Supporting quotations
Unless otherwise defined within these General Terms and Conditions or the applicable Addendum, capitalized terms have the meanings given to them in the Glossary. Any capitalized terms used but not defined have the meaning given in the Other Documents.
Except as otherwise provided, the terms “hereby,” “herein,” “hereof,” “hereto,” “hereunder,” and similar terms refer to this Agreement as a whole and not to the specific section, subsection, paragraph, or other subdivision of this Agreement in which those terms appear.
All titles or captions are inserted only as a matter of convenience and for reference and in no way define, limit, construe, or describe the scope of this Agreement or the intent of any provision hereof.
The words
The use of
Each covenant and agreement will be construed
If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail.
Qualifications & exceptions
Because headings do not limit scope, a provision can apply beyond what its title suggests.
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.
Security & Safeguards · Restriction or exception
Mobile messages may be unencrypted, carry personal details and arrive late
You accept that Mobile Services messages may not be encrypted and may include personal or confidential information about you, such as account activity or status. Delivery and receipt of information, including instructions for move-money transactions through Mobile Services, can be delayed or affected by your internet or communication providers or other parties, or for reasons outside Chase’s control. There may also be a service disruption when you change your internet or communication service provider.
Supporting quotations
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. Delivery and receipt of information, including Instructions and/or other instructions regarding move money transactions through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet Service Provider(s), Communication Service Provider(s) or other parties, or because of other reasons outside of our control. You also understand that there may be a disruption in service when you change your Internet Service Provider(s) or Communication Service Provider.
Security & Safeguards · Restriction or exception
No compatibility promise; modified ("jail broken") devices not allowed
Chase does not warrant that the Digital Platforms or Services will work with your mobile device or carrier, and your use may also be subject to your agreements with your device maker or carrier. You may not use a modified device to use the Digital Platforms or Services if the modification goes against the manufacturer’s software or hardware guidelines, including disabling hardware or software controls (sometimes called "jail broken").
Supporting quotations
We do not warrant that the Digital Platforms or Services will be compatible with your mobile device or carrier. Your use of the Digital Platforms or Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier. You may not use a modified device to use the Digital Platforms or Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls – sometimes referred to as “jail broken.”
Qualifications & exceptions
The ban applies to modifications contrary to the manufacturer’s guidelines.
Legal Rights & Agreement Rules · Restriction or exception
Marketing and offers on Mobile Services are for U.S. customers
Marketing or offers that appear on Mobile Services are intended for U.S. customers, are valid only in the U.S. and only where state law allows them. Chase does not extend marketing or offers into foreign jurisdictions where they may be prohibited.
Supporting quotations
You understand and agree that any marketing or offers
law. We do not extend marketing or offers into foreign jurisdictions where they may be prohibited.
Qualifications & exceptions
Valid only in the U.S. and only where allowed by state law.
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.
Sharing & Disclosure · Permission or license
You authorize your wireless carrier to share your details with Chase for ID and fraud checks
You authorize your wireless carrier to use or disclose information about you and your wireless device to J.P. Morgan Chase, directly or through a service provider. Chase may use it for the duration of its relationship with you to help identify you or your device and to help protect against fraud or unauthorized use of its services under this Agreement. The details may include, among others, your name, billing address, email, phone number and device information.
Supporting quotations
You authorize your wireless carrier to use and/or disclose information about you and your wireless device to J.P. Morgan Chase directly or through a service provider, which we may use for the duration of your relationship with us, to help identify you or your wireless device and to help protect against fraud or unauthorized use of our services under this Agreement. Those details may include, among others, name, billing address, email, phone number, and device information.
Qualifications & exceptions
Purpose stated: identify you or your wireless device and help protect against fraud or unauthorized use.
The list of details is introduced by "may include, among others", so it is not exhaustive.
Chase may use the details for as long as the relationship lasts.
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.
Charges & Financial Obligations · User right or choice
Alerts have no Chase fee, but carrier text charges apply; reply STOP to cancel
There is no service fee for Alerts, but you are responsible for any charges your communication service provider imposes, including text-message fees and message and data rates. To cancel Alerts sent by text, you send STOP to the shortcode given (a different shortcode applies to J.P. Morgan Online clients), and you expressly consent to a text confirming the STOP request. For help, you can text HELP or contact customer service at the numbers given.
Supporting quotations
There is no service fee for Alerts services but you are responsible for any and all charges, including fees associated with text messaging imposed by your Communication Service Provider if Alerts are sent via text message. Message and data rates may apply.
To cancel Alerts sent via text message, send STOP to 24273 at any time (J.P. Morgan Online clients only, send STOP to 576746). You expressly consent to receipt of a text message to confirm your “STOP” request.
Qualifications & exceptions
Different shortcodes and phone numbers apply to J.P. Morgan Online clients only.
Use & Processing · Company practice
Some Services use AI, and AI may be the default or only way to use them
Certain Services on the Digital Platforms may use artificial intelligence (AI) to process your requests, generate responses or help you manage your accounts, including investment accounts. Additional account-level restrictions may apply. AI may be the default or only way to interact with certain Services.
Supporting quotations
Certain Services made available through the Digital Platforms may use artificial intelligence (“AI”) to process your requests, generate responses, or assist you in managing your accounts, including investment accounts. Additional account-level restrictions may apply. AI may be the default or only way to interact with certain Services.
Qualifications & exceptions
Applies to certain Services only.
Additional account-level restrictions may apply, which this section does not list.
Not stated here
The agreement does not name which Services use AI or what the account-level restrictions are.
Use & Processing · Restriction or exception
You are responsible for what you submit to AI and for acting on its answers
You are responsible for the accuracy and completeness of everything you submit to Services that use AI, whether the AI feature is optional or required. You must also review and verify AI responses before you act on them. You should not rely only on AI for important decisions and are encouraged to confirm information independently. You are responsible for decisions and actions you take in reliance on AI outputs.
Supporting quotations
You agree that you are responsible for the accuracy and completeness of all information, instructions, and requests you submit to Services that use AI, regardless of whether the AI feature is optional or required. You are also responsible for reviewing and verifying any information or responses provided by AI features before you act on the information or responses. You should not rely solely on AI for important decisions, and you are encouraged to independently confirm any information. You are responsible for any decisions you make or actions you take in reliance on AI outputs.
Qualifications & exceptions
The responsibility applies even when the AI feature is required rather than optional.
Use & Processing · Restriction or exception
AI answers may be wrong and are not professional advice
You acknowledge that AI responses may be incorrect, incomplete, out of date or not match what you meant, and that AI features may misunderstand requests, lack context, make mistakes or not work as expected. Chase cannot guarantee AI outputs on the Digital Platforms will be uninterrupted or error-free. AI outputs are not financial, investment, legal, tax or other professional advice or recommendations and do not reflect Chase’s views or policies. Chase may update, suspend or discontinue AI features at its discretion.
Supporting quotations
You understand that responses generated by AI may be incorrect, incomplete, out of date, or not accurately reflect your intent. AI features may misunderstand your requests, lack full context, make mistakes, or not function as expected. We cannot guarantee that our AI outputs on the Digital Platforms will be uninterrupted or error-free. AI outputs do not constitute financial, investment, legal, tax, or other professional advice, guidance or recommendations and do not reflect our views or policies. AI features may be updated, suspended, or discontinued at our discretion.
Qualifications & exceptions
Chase can change or stop AI features at its discretion.
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.
Legal Rights & Agreement Rules · Restriction or exception
Chase’s records of your instructions are presumed accurate and binding
Chase’s records are presumed to accurately show the contents of your instructions to Chase and, unless there is a manifest error, are binding and conclusive.
Supporting quotations
Our records shall be presumed to accurately reflect the contents of your Instructions to us and, in the absence of manifest error, will be binding and conclusive.
Qualifications & exceptions
An obvious (manifest) error is the stated exception.
Account & Service Control · Procedure
Keep contact details current and consent to electronic communications
You agree to give a valid email address so Chase can send information about the Digital Platforms and Services, including for servicing your accounts, and to tell Chase immediately if a phone number, email or other contact detail is given up or changed by you. You consent to receive electronic communications and disclosures about the Digital Platforms and Services, including any Card or Chase P3 Card, and agree Chase may email any address you gave for any J.P. Morgan Chase product, service or account, or contact you through the mobile device where you downloaded the Chase Mobile app. This may include contact from companies working for Chase to service your accounts. If you revoke consent to electronic communications, certain Services, including your P3 activation, may be cancelled.
Supporting quotations
You agree to provide a valid email address so that we may send you certain information related to the Digital Platforms and Services, including for the purpose of servicing or managing any of your accounts. You will immediately notify us if any phone number, email address, or other contact information you have provided is (a) surrendered by you, or (b) changed by you.
You consent to receive electronic communications and disclosures from us related to the Digital Platforms and Services, including any Card or Chase P3 Card. You agree that we can contact you by email at any email address you provide to us in connection with any J.P. Morgan Chase product, service or account, or through the mobile device on which you have downloaded the Chase Mobile app. It may include contact from companies working on our behalf to service your accounts. If at any time you revoke your consent to receive such electronic communications and disclosures, certain Services may be cancelled, including your P3 activation.
Qualifications & exceptions
Revoking consent can lead to cancellation of certain Services.
Not stated here
The agreement does not list which Services would be cancelled besides P3 activation.
Content & IP Rights · Permission or license
What you send Chase is non-confidential and Chase may use it for any purpose
Unless law or the applicable privacy policies prohibit it, any communication or material you send to Chase through the Digital Platforms, the Services or email is treated as non-confidential, and Chase may use it for any purpose, including reproduction, publication, broadcast and posting.
Supporting quotations
Unless otherwise prohibited by law or the applicable privacy policies, any communication or material you transmit to us via the Digital Platforms, the Services, or email is on a non-confidential basis and we may use such communication or material for any purpose, including reproduction, publication, broadcast and posting.
Qualifications & exceptions
Subject to law and the applicable privacy policies.
Applies to communications and material sent through the Digital Platforms, the Services or email.
Not stated here
This section does not say which privacy policies apply or how they limit this use.
Retention & Deletion · Permission or license
Chase monitors, keeps and reviews communications with it
Chase is entitled, and in some cases required, to monitor, retain and review all communications to Chase or made through the Digital Platforms or Services, including by telephone, email and other formats, for reasonable business purposes such as checking service quality, ensuring compliance with this Agreement and industry rules, and keeping the platforms and Services secure. You also agree that information you give in connection with this Agreement will be complete and accurate.
Supporting quotations
We are entitled and, in some cases, obligated, to monitor, retain and review all communications to us or made via the Digital Platforms or Services, including those by telephone, email and other formats, for reasonable business purposes, such as to survey the quality of service that you receive, to assure compliance with this Agreement and industry regulations, and to maintain the security of the Digital Platforms and Services. You agree that information you provide to us in connection with this Agreement will be complete and accurate.
Qualifications & exceptions
Purposes given are examples introduced by "such as".
Not stated here
No retention period is stated.
Account & Service Control · User right or choice
Consent to emails, texts and automated calls for service, not telemarketing
By accessing the Digital Platforms and using the Services you agree Chase may send emails and other notifications to your mobile or tablet device about benefits and features. When you give your mobile number, you give permission to contact you at that number about all your accounts. The consent covers text messages, artificial or prerecorded voice messages and automatic dialing for informational and account service calls, but not telemarketing or sales calls. It may include contact from companies working on Chase’s behalf to service your accounts. You may contact Chase at any time to change these preferences or opt out.
Supporting quotations
By accessing the Digital Platforms and using the Services, you agree we may send you emails and other notifications through your mobile device or tablet device regarding benefits and features that you may receive in connection with the Digital Platforms and Services. When you give us your mobile phone number, we have your permission to contact you at that number about all your accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. You may contact us at any time to change these preferences or to opt out of these communications.
Qualifications & exceptions
Excludes telemarketing and sales calls.
Opt-out is by contacting Chase.
Charges & Financial Obligations · Restriction or exception
Do not send trade orders or transaction instructions by email or text
You agree not to send securities trade orders or any other transactional instructions to Chase by email, text or other electronic means that Chase has not designed to accept them. Chase will not act on instructions sent that way and may not be able to respond quickly, for example because of time zone differences.
Supporting quotations
You agree that you will not transmit securities trade orders or any other transactional instructions, including Instructions, to us using email, text or other electronic means not designed by us to accept such instructions. You acknowledge that we will not act upon instructions, including Instructions, transmitted through email, text or other electronic means not designed by us to accept such instructions and that we may not be in a position, by virtue of time zone difference and otherwise, to respond to your communications sent by such means within the time frame contemplated by you.
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.
Charges & Financial Obligations · Restriction or exception
Cutoff Times use Chase’s clocks; late instructions may process immediately
Cutoff Times in the Agreement are based on Chase’s internal system clocks, which may not match the clock on your computer or mobile device. Chase suggests sending Instructions well before a Cutoff Time so you do not miss it. An Instruction entered after the Cutoff Time with a Send On Date of the current day or the next Business Day may start processing immediately and may be funded before the requested Send On Date.
Supporting quotations
All Cutoff Times referenced in this Agreement reflect the times displayed on our internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer or mobile device. For this reason, we suggest that you transmit any Instructions to us sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the cutoff. Instructions entered after the Cutoff Time with a Send On Date that is the Current Day or next Business Day may start to process immediately, and may be Funded prior to the requested Send On Date.
Qualifications & exceptions
The immediate-processing rule applies to Instructions with a Send On Date of the current day or next Business Day.
Individual Addenda may state their own Cutoff Times.
Not stated here
The General Terms do not state the actual cutoff hours; the Addenda do for specific Services.
Charges & Financial Obligations · Company practice
Scheduled transfers are reviewed and may be delayed, held or not approved
All scheduled funds transfer requests under the Agreement (for example ACH, bill payments, transfers, Zelle, wires and Real-Time Payments) are subject to internal review, including fraud review and, where applicable, review for OFAC or other regulatory compliance, which includes the recipient. Your transaction may be delayed or held and may not be approved, and Chase may need to contact you to verify information. During review Chase may subtract funds from your account or place a hold on your account, which may cause processing delays. After Chase releases the transfer, the recipient’s bank may delay credit because of its own review.
Supporting quotations
All scheduled funds transfer requests referenced in this Agreement (e.g., ACH, Bill Payments, Transfers, Zelle, Wires, Real-Time Payments, etc.) are subject to internal review, including but not limited to fraud review and, where applicable, for compliance with OFAC or other regulations, which includes the recipient of your transaction, and your transaction may be delayed or held and may not be approved. In addition, we may need to contact you to verify information about your funds transfer during that internal review. During our internal review, we may subtract funds from your account or place a hold on your account which may result in processing delays. Once we have released the funds transfer, the recipient’s bank may delay credit to the recipient due to their own internal review processes.
Qualifications & exceptions
Examples are introduced by "e.g.", so the list of payment types is not exhaustive.
Compliance review applies where applicable.
Legal Rights & Agreement Rules · Permission or license
Chase can change the agreement and Services at any time; continuing to use means you accept
Chase may amend the terms of this Agreement, including fees and service charges or by adding new Addenda, and may update, discontinue or modify any Digital Platform, Service or feature, at any time in its sole discretion. If a change would adversely affect you, Chase will tell you in advance, unless the change is needed to comply with a legal requirement or is otherwise permitted by regulation. Otherwise, Chase will post the updated terms on the Digital Platforms and may also send notice by email or regular mail unless the law requires a different method. Continuing to have a digital profile after the changes are made available counts as agreeing to them. To shut down your digital profile you call the number given. If you find the Agreement unacceptable, you should stop using the Digital Platforms and Services.
Supporting quotations
We may amend or change the terms of this Agreement (including applicable fees and service charges or adding new Addenda) or update, discontinue or modify any of the Digital Platforms, Services, or features to the Digital Platforms or Services (including adding additional/new Services), at any time in our sole discretion. If any change would adversely affect you, we will notify you in advance, unless the change is necessary to comply with a legal requirement or as otherwise permitted by regulation. Otherwise, we will post the updated terms on the Digital Platforms. We may, at our option, also send you notice by email or by regular mail, unless the law requires a different method. Continuing to have a digital profile with us (i.e., login credentials that provide access to your account on our Digital Platforms) (“Digital Profile”) after we have made such amendments, changes, new Services or features available will be considered your agreement to the change or addition. To shut down your Digital Profile please call (877) CHASEPC (877-242-7372). Please access and review this Agreement regularly. If you find this Agreement unacceptable to you at any time, please discontinue your use of the Digital Platforms and the Services.
Qualifications & exceptions
Advance notice is promised only for changes that would adversely affect you.
Advance notice is not required when a change is necessary to comply with a legal requirement or is otherwise permitted by regulation.
Agreement to a change is by continuing to have a digital profile.
Not stated here
The agreement does not say how far in advance an adverse change is announced.
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.
Security & Safeguards · Restriction or exception
You supply and secure your own equipment and accept internet risks
You are responsible for obtaining, installing, maintaining and operating all the systems you need to use the Digital Platforms and Services, including up-to-date browsers and the best commercially available encryption, antivirus, anti-spyware and internet security software, and for getting internet service from a provider of your choice. You acknowledge the security, corruption, transmission error and availability risks of open networks like the internet and expressly assume them.
Supporting quotations
You are responsible for obtaining, installing, maintaining and operating all Systems necessary for you to access and use the Digital Platforms and Services, up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and Internet security software. You are additionally responsible for obtaining Internet services via the Internet Service Provider of your choice. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks.
Security & Safeguards · Restriction or exception
Chase is not responsible for your systems, the internet or technical support
You are responsible for the data security of the systems you use to access the Digital Platforms and Services and for transmitting and receiving information with them. You say you chose to use them for convenience and made your own assessment of the internet and your systems. Chase is not responsible for errors or problems from a failure of the internet or your systems, for telling you about upgrades or fixes, or for providing support for your systems. Chase may link to a third-party site to download software without endorsing any software, hardware or internet provider, and the provider’s own agreement may also apply. You will not use the Services in a way that interferes with the platforms or Services.
Supporting quotations
You acknowledge that you are responsible for the data security of the Systems used to access the Digital Platforms and Services, and for the transmission and receipt of information using such Systems. You acknowledge that you have requested to use and access the Digital Platforms and Services for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems, and that you are satisfied with that assessment. We are not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems, nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems. Although we may provide a link to a third party site where you may download software, we make no endorsement of any specific software, hardware or Internet Service Provider and your use of any such software, hardware or service may also be subject to the EULA or other agreements of that provider, in addition to the terms and conditions of this Agreement. You will not use the Services in any manner that interferes with the operation of the Digital Platforms or the Services.
Qualifications & exceptions
A provider’s EULA or agreement applies in addition to this Agreement.
Security & Safeguards · Restriction or exception
You must keep login credentials and sensitive information confidential
To prevent unauthorized access to your accounts and use of the Digital Platforms and Services, you agree to protect and keep confidential your login credentials and other sensitive information, which includes Card numbers, account numbers, PINs, user IDs, Passwords and any other means of accessing your accounts through the platforms or Services. Chase may change the parameters for your Password without prior notice, in which case you must change your Password the next time you access the platforms or Services.
Supporting quotations
To prevent unauthorized access to your accounts and unauthorized use of the Digital Platforms and Services, you agree to protect and keep confidential your login credentials and other sensitive information. This includes Card numbers, account numbers, PINs, user IDs, Passwords, or other means of accessing your accounts via the Digital Platforms or Services.
Qualifications & exceptions
Chase may change Password parameters at its option and without prior notice.
Security & Safeguards · Restriction or exception
Lost or shared credentials can cost you money; disclosing them shifts the loss to you
Loss, theft or unauthorized use of your login credentials and other sensitive information could cost you some or all of the money in your accounts, plus any amount available under overdraft protection if you have a Business Account, or draws on your credit card account. It could also let unauthorized people see your sensitive information and use it for fraud, including identity theft. If you disclose your credentials and sensitive information to any person or entity, including an employee or agent, you assume all risks and losses associated with that disclosure.
Supporting quotations
The loss, theft, or unauthorized use of your login credentials and other sensitive information could cause you to lose some or all of the money in your accounts, plus any amount available under your overdraft protection credit line if you have a Business Account, or draws on your credit card account. It could also permit unauthorized persons to gain access to your sensitive personal and account information and to use that information for fraudulent purposes, including identity theft. If you disclose your login credentials and other sensitive information to any person or entity, including any employee or agent, you assume all risks and losses associated with such disclosure.
Qualifications & exceptions
The overdraft protection line is mentioned for Business Accounts.
Security & Safeguards · Restriction or exception
Letting others or AI agents use your access means you authorize what they do
If you permit any other person or entity, including data aggregation service providers or agents such as artificial intelligence (AI) agents or agentic AI, to use the Digital Platforms or any Service to access or use your login credentials or sensitive information, or to use the Services after you log in, you are authorizing every transaction and activity they perform or perform with their help. You are responsible for transactions and activities from your accounts and for any use of your personal and account information by any person or entity to which they pass it.
Supporting quotations
If you permit any other person(s) or entity(ies), including any data aggregation service providers, or agent(s), including artificial intelligence (AI) agents or agentic AI, to use the Digital Platforms, or any Service, to access or use your login credentials and/or other sensitive information described in this section, or to access or use the Services once you have logged in, you are authorizing any transactions and activities performed by them or with their assistance and are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by any person or entity to whom they may provide that personal and account information.
Qualifications & exceptions
Applies to data aggregation providers and AI agents as well as other people and entities.
Responsibility extends to onward use of your information by those the agent gives it to.
Security & Safeguards · Procedure
Tell Chase immediately if access may be unauthorized, including by an AI system
If you believe someone, or an AI system or other non-human actor, may try to use or has used the Digital Platforms or Services to access your accounts without permission, that a Password or user ID is lost or stolen, or that any other unauthorized use (including Transfers) or security breach has occurred, you agree to notify Chase immediately at the phone number given (separate numbers apply to J.P. Morgan Online clients, including international clients).
Supporting quotations
If you believe someone, or an AI system or other non-human actor, may attempt to use or has used the Digital Platforms or Services to access your accounts without your permission, that any of your Passwords or user IDs have been lost or stolen, or that any other unauthorized use, including Transfers, or security breach has occurred, you agree to immediately notify us at 877- CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 866-265-1727 or 302-634- 5115 for international clients).
Qualifications & exceptions
The duty is to notify immediately.
Security & Safeguards · Restriction or exception
Digital access is separate from account signature rules; Chase may rely on credentialed instructions
Account access through the Digital Platforms or Services is separate from your existing signature arrangements. So when you give another person or entity, including AI agents or agentic AI, authority to access accounts through the platforms or Services, that person or system may reach accounts they would not otherwise have signature access to. You assume the entire risk of fraudulent, unauthorized or otherwise improper use of your login credentials, and Chase is entitled to rely on the genuineness and authority of all instructions received with those credentials and to act on them.
Supporting quotations
ACCOUNT ACCESS THROUGH THE DIGITAL PLATFORMS OR SERVICES IS SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS. THEREFORE, WHEN YOU GIVE ANY OTHER PERSON(S) OR ENTITY(IES), INCLUDING AI AGENTS OR AGENTIC AI, THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE DIGITAL PLATFORMS OR SERVICES, THAT INDIVIDUAL OR SYSTEM MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL OR SYSTEM WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS.
Qualifications & exceptions
The source states this in capital letters.
Security & Safeguards · Restriction or exception
Credential managers are your choice and your risk
Using credential managers or other services to store or manage your login credentials, such as Passwords or passkeys, is governed by your agreement with that third-party provider. You are solely responsible for selecting and using one. Chase does not endorse or guarantee a credential manager, does not take responsibility for its security or function, and is not liable for damages or liabilities related to these services.
Supporting quotations
The use of credential managers or other services to store and/or manage your login credentials (e.g., Passwords, passkeys) is governed by your agreement with such third-party service provider. You acknowledge and agree that you are solely responsible for the selection and use of a credential manager or other service to store and/or manage your login credentials. We do not endorse, guarantee or assume responsibility for the security or functionality of any credential manager or other service to store and/or manage your login credentials and we are not liable for any damages or liabilities related to these services.
Security & Safeguards · Restriction or exception
AI Agent Terms: third-party agents are governed by the agent’s provider, not Chase
The AI Agent Terms apply if you use, allow, enable or cause the deployment of an AI agent or agentic AI to access, use or interact with any Services. "Agent" means any software or service that takes autonomous, semi-autonomous or non-autonomous action for, or on the instruction of, any person or entity. An Agent’s use to access your accounts, the platforms or the Services is governed by that third party and/or your agreement with it. Chase does not provide, control or endorse the Agent, is not responsible for how it operates or for any lack of transparency about its operation or AI models, and does not review, audit or certify its security, privacy policies or data handling.
Supporting quotations
The terms in this section (“AI Agent Terms”) apply if you use, allow, enable, or cause the deployment of an AI agent or agentic AI to access, use, or interact with any Services. For the purposes of these AI Agent Terms, “Agent” means any software or service that takes autonomous, semi-autonomous, or non-autonomous action on behalf of, or at the instruction of, any person or entity. The use of Agents to access or use your accounts, the Digital Platforms or the Services, is governed by such third party and/or your agreement with such third party. You acknowledge that we do not provide, control, endorse, nor are responsible for how the Agent operates or lack of transparency around its operation and any AI models it employs, and we do not assume responsibility for, review, audit or certify its security or privacy policies and data handling practices.
Qualifications & exceptions
Applies to Agents you use, allow, enable or cause to be deployed.
Sharing & Disclosure · Permission or license
Using an Agent means consenting to share your account information with it
When you use Agents to access or use your accounts, the Digital Platforms or the Services, you acknowledge and explicitly consent to sharing your sensitive account information with the Agent. You also acknowledge that Chase’s privacy policies do not apply to the Agent and that Chase has no control over how the third party uses, reuses, stores or protects your data.
Supporting quotations
When using Agent(s) to access or use your accounts, the Digital Platforms or the Services, you acknowledge and explicitly consent to sharing your sensitive Account information with the Agent. You also acknowledge that our privacy policies do not apply to the Agent and we have no control over how the third party uses, reuses, stores or protects your data.
Qualifications & exceptions
Consent is explicit and applies to sensitive Account information.
Security & Safeguards · Restriction or exception
Chase treats an AI agent’s actions as yours and you must monitor it
When you give Agents access, or let them use the Services with your secure customer credentials, to act for you, Chase will rely on any instruction or action by the Agent as if you took it personally, will treat it as evidence of your authorization, and has no duty to investigate whether it was authorized or valid. You are responsible for monitoring the Agent so it stays within the scope you agreed, and Chase will not automatically review or screen Agent activities, including transactions. You must keep, and give Chase on request, your timely revocation of consent to the Agent’s actions. You are responsible for actions or transactions the Agent enters or requests, including errors from its incorrect interpretation or implementation of your instructions, unintended actions, or acting beyond the authority you gave.
Supporting quotations
When you provide Agents with access or allow Agents to use Services with your secure customer credentials to perform any actions, access, or transactions on behalf of, for, or upon the authority of you on any of Services, you understand and accept that we will rely on any instructions or actions taken by your Agent as if they were taken by you personally, that we will consider it evidence of your authorization, and that we shall have no obligation to investigate the authority or validity of any such instructions or actions. You agree it is your responsibility to monitor your Agent’s activities to ensure they are within your agreed-upon scope and you acknowledge that we will not automatically review or screen Agent activities including transactions, for predictability, practicality or appropriateness. You must retain and produce to us, upon request, your timely revocation of consent to the Agent’s actions. You are responsible for any actions or transactions entered or requested by the Agent and for any actions or errors that may result from the Agent’s incorrect interpretation or implementation of your instructions, if it performs unintended actions or exceeds the authority you gave it.
Qualifications & exceptions
Applies when you give an Agent access with your secure customer credentials.
Responsibility covers the Agent exceeding the authority you gave it.
Security & Safeguards · Permission or license
Chase may block or end an AI agent’s access at any time without notice
Chase reserves the right to change its security protocols or API access, or to limit, prevent, suspend or end an Agent’s access to your accounts, the Digital Platforms or the Services at any time without notice, which can make a third-party agent stop working. Additional account-level restrictions may apply. Elsewhere, Chase may terminate or suspend your access if it considers your use of a third-party AI agent or agentic AI to potentially compromise their security or the security of your accounts, or to violate applicable laws or regulations.
Supporting quotations
We reserve the right to modify our security protocols or API access or limit, prevent, suspend or terminate access by an Agent to your accounts, the Digital Platforms or the Services at any time without notice, which may render the third-party agent non-functional. Additional account-level restrictions may apply.
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.
Qualifications & exceptions
No notice is promised before access is limited or ended.
The termination clause applies where Chase deems the agent a security or legal risk.
Not stated here
The account-level restrictions are not described in this section.
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.
Security & Safeguards · Company practice
Extra login methods and identity verification, and who is responsible for devices
Chase may offer login credentials or identity verification beyond a user ID and Password, such as biometrics, security keys and passkeys, for certain Services. Chase may also require specific identity verification methods to open or transact on your accounts, to help keep them safe and prevent identity theft. You are responsible for understanding the requirements of each method, which are provided when the method is presented and may also be in FAQs. Chase does not endorse, guarantee or take responsibility for the functioning of physical devices, such as security keys, used for authentication.
Supporting quotations
We may give you the option to enable login credentials or identity verification methods beyond user ID and Passwords, such as biometrics, security keys, and syncable authenticators (e.g., passkeys) for certain Services on our Digital Platforms. We may also require specific identity verification methods for opening or transacting on your accounts to help keep your accounts safe and help prevent identity theft. You are responsible for understanding the requirements for each login credential or identity verification method. These requirements are provided when you are presented with these credentials or methods, and additional information may also be available in FAQs. We do not endorse, guarantee or assume responsibility for the functionality of physical devices (e.g., security keys) used for authentication.
Qualifications & exceptions
Offered for certain Services only.
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.
Legal Rights & Agreement Rules · Restriction or exception
Chase is not liable for indirect and consequential damages from using the platforms
To the fullest extent permitted by law, and except as the Agreement specifically provides otherwise, Chase, its affiliates, third parties and their directors, officers, employees, representatives and agents are not liable to you or any third party for indirect, incidental, special, compensatory, consequential or exemplary damages arising from access to, use of (or inability to access or use) or availability of the Digital Platforms, Services or Products, whatever the form of the action and even if advised of the possibility. A separate provision says these limits do not remove any duty under applicable law to act in good faith and with reasonable care, and that a limit prohibited by law is enforced to the fullest extent the law permits.
Supporting quotations
TO THE FULLEST EXTENT PERMITTED BY LAW, AND EXCEPT AS OTHERWISE SPECIFICALLY SET FORTH IN THIS AGREEMENT, WE, OUR AFFILIATES, ANY OF OUR THIRD PARTIES, AND ANY OF OUR OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES, AND AGENTS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES THAT ARISE FROM, REGARD OR RELATE TO, OR RESULT FROM THE ACCESS TO, USE OF (OR INABILITY TO ACCESS OR USE), OR AVAILABILITY OF (OR LACK THEREOF) THE DIGITAL PLATFORMS, SERVICES, OR PRODUCTS, REGARDLESS OF THE FORM OF THE ACTION AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Any provision of this Agreement that limits our liability does not negate our duty (if any) under applicable law to act in good faith and with reasonable care. If any provision of this Agreement is determined to limit our liability in a way prohibited by applicable law, the provision will nevertheless be enforced to the fullest extent permitted under that law.
Qualifications & exceptions
Subject to the fullest extent permitted by law and to specific provisions in the Agreement that provide otherwise.
Does not negate any duty under applicable law to act in good faith and with reasonable care.
Charges & Financial Obligations · Restriction or exception
Chase may rely on the payment details you give and is not liable for payment disputes
You agree Chase may rely on the payment details, instructions and recipient details you provide. Chase, its affiliates and third parties are not responsible or liable for damages for resolving payment disputes or other disputes about sending, receiving or requesting money through the Digital Platforms, Services or Products.
Supporting quotations
YOU AGREE THAT WE MAY RELY ON THE PAYMENT DETAILS, INSTRUCTIONS, AND RECIPIENT DETAILS THAT YOU PROVIDE AND THAT WE, OUR AFFILIATES, AND OUR THIRD PARTIES ARE NOT RESPONSIBLE OR LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES FOR RESOLVING PAYMENT DISPUTES OR OTHER DISPUTES REGARDING SENDING, RECEIVING, OR REQUESTING MONEY THROUGH THE DIGITAL PLATFORMS, SERVICES, OR PRODUCTS WE OFFER.
Qualifications & exceptions
The source states this in capital letters.
Legal Rights & Agreement Rules · Restriction or exception
Liability limits keep any legal duty of good faith and survive termination
Any provision of the Agreement that limits Chase’s liability does not cancel Chase’s duty, if any, under applicable law to act in good faith and with reasonable care. If a provision is found to limit liability in a way the law prohibits, it is still enforced to the fullest extent the law allows. The Limitation of Liability section continues to apply after the Agreement ends.
Supporting quotations
Any provision of this Agreement that limits our liability does not negate our duty (if any) under applicable law to act in good faith and with reasonable care. If any provision of this Agreement is determined to limit our liability in a way prohibited by applicable law, the provision will nevertheless be enforced to the fullest extent permitted under that law.
This Section shall survive termination of this Agreement.
Qualifications & exceptions
The preserved duty is only a duty "if any" under applicable law.
Applies to the Limitation of Liability section and any other provision limiting Chase’s liability.
Legal Rights & Agreement Rules · Restriction or exception
You promise you have authority, authorizations, viewing rights and accurate information
You acknowledge, represent, warrant and covenant to Chase that you are authorized to enter into the Agreement and each Addendum and to bind you and your business as applicable; that you will get all written authorizations Chase needs to perform the Services and the law requires, and give Chase copies if asked; that you are authorized to have viewing access to any account you access through the platforms or any Service; and that you will give true, accurate, current and complete information about yourself and your accounts, including External Accounts, without misrepresenting your identity or account information.
Supporting quotations
You acknowledge, represent, warrant, and covenant to us that:
you are authorized to enter into this Agreement, including each Addendum, as applicable, and to bind you and your business (as applicable) hereto;
you shall obtain all written authorizations necessary to enable us to perform the Services and that are required by applicable law, rules, and regulations, and shall furnish us with copies of authorizations if requested;
you are authorized to have viewing access to any account that you access through the Digital Platforms or any Service;
you will provide true, accurate, current and complete information about yourself and your accounts (including any External Accounts) and you will not misrepresent your identity or your account information (including any External Account information); and
Qualifications & exceptions
These are promises you make to Chase.
Legal Rights & Agreement Rules · Restriction or exception
You promise to follow the law and not to use Services for international ACH or prohibited purposes
You also promise that you will not use any Service for international ACH transactions, which the Agreement prohibits; that you will comply with the Agreement and all laws, rules and regulations that apply to you in using the platforms, Services and Products, including rules on exporting or importing software and related property, use or remote use of that property, and registration of any Addendum; and that you will not use the platforms or any Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority.
Supporting quotations
you will not use any Service for international ACH transactions, which are prohibited under this Agreement;
you will comply with this Agreement and all laws, rules and regulations applicable to you in your use of the Digital Platforms, Services, and Products, including those pertaining to
(a) exports or imports of software and related property; (b) use or remote use of software and related property; or (c) registration of any Addendum;
you will not use the Digital Platforms or any Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority.
Qualifications & exceptions
International ACH transactions are prohibited under the Agreement.
Legal Rights & Agreement Rules · Restriction or exception
Platforms and Services are provided "as is" with no warranties
Except where the Agreement expressly provides otherwise, Chase provides no warranties about your use of the Digital Platforms and Services. They, and the information, software, hardware, capture devices, products and other content (including third-party content), are provided "as is", "where-is" and "where available" and can change at any time without notice. Chase and its third-party service providers make no warranty that they will be uninterrupted, timely, secure or error-free, unless stated on the platforms, site or in an applicable agreement. To the fullest extent permitted by law, Chase disclaims all warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement. No license is implied by these disclaimers.
Supporting quotations
EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU UNDERSTAND AND AGREE THAT WE PROVIDE NO WARRANTIES REGARDING YOUR USE OF THE DIGITAL PLATFORMS AND SERVICES. THE DIGITAL PLATFORMS AND SERVICES ARE INFORMATION, SOFTWARE, HARDWARE, CAPTURE DEVICES, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) PROVIDED ON AN “AS IS” “WHERE- IS” AND “WHERE AVAILABLE” BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT WE AND ANY OF OUR THIRD PARTY SERVICE PROVIDERS MAKE NO WARRANTY THAT THE DIGITAL PLATFORMS OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE DIGITAL PLATFORMS, SITE OR IN ANY APPLICABLE AGREEMENT. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.
Qualifications & exceptions
Exceptions: where the Agreement expressly provides otherwise or an applicable agreement or the site says otherwise.
The disclaimer applies to the fullest extent permitted by law.
Legal Rights & Agreement Rules · Restriction or exception
Either side can choose binding arbitration instead of court for platform disputes
You and Chase agree that, if either of you elects, claims or disputes about the digital platforms, products and services in this Agreement are resolved by binding arbitration, not in court, except in small claims court. The arbitration agreement is made under the Federal Arbitration Act. Disputes about the underlying accounts, loans, credit cards and similar products are resolved under the Other Documents covering them. Disputes in connection with an Investment Account are resolved under the agreement that governs the Investment Account and are not subject to the dispute provisions of this section.
Supporting quotations
You and we agree that, upon the election of either of us, any claims or disputes (as defined below) pertaining to the digital platforms, products, and services in this agreement will be resolved by binding arbitration as discussed below and not through litigation in any court (except for matters in small claims court). This arbitration agreement is entered into pursuant to the Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA"). Any dispute, claim or controversy about the underlying accounts, loans, credit cards, etc. will be resolved pursuant to the provisions of the Other Documents (as defined in Section 1 above) pertaining to them. Any dispute, claim or controversy in connection with an Investment Account will be resolved pursuant to the provisions of the agreement governing your Investment Account and is not subject to the dispute provisions of this Section.
Qualifications & exceptions
Arbitration happens when either you or Chase elects it.
Underlying account, loan and credit card disputes follow the Other Documents.
Investment Account disputes follow the Investment Account agreement and are outside this section.
Legal Rights & Agreement Rules · User right or choice
Arbitration means no judge, jury or class proceedings unless you opt out
You have a right to opt out of the agreement to arbitrate. Unless you opt out, you and Chase waive the right to have a dispute heard by a judge or jury or decided by a court or government tribunal, and also waive any ability to assert or participate in class, representative or consolidated proceedings, in court or in arbitration. All disputes, except as stated, must be resolved by binding arbitration when either party requests it.
Supporting quotations
YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW. UNLESS YOU OPT OUT OF ARBITRATION, YOU AND WE ARE WAIVING THE RIGHT TO HAVE OUR DISPUTE HEARD BEFORE A JUDGE OR JURY, OR OTHERWISE TO BE DECIDED BY A COURT OR GOVERNMENT TRIBUNAL, AND YOU AND WE ARE ALSO WAIVING ANY ABILITY TO ASSERT OR PARTICIPATE IN CLASS, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING, WHETHER IN COURT OR IN ARBITRATION. ALL DISPUTES, EXCEPT AS STATED BELOW, MUST BE RESOLVED BY BINDING ARBITRATION WHEN EITHER YOU OR WE REQUEST IT.
Qualifications & exceptions
The waivers apply unless you opt out of arbitration.
Opt-out details are in a later part of this section.
Legal Rights & Agreement Rules · Restriction or exception
Claims covered by arbitration include past, present and future ones
Claims or disputes between you and Chase about the digital platforms, products and services in this Agreement are subject to arbitration. This includes claims arising from or relating to this Agreement or any prior agreements of a similar type between you and Chase. They are covered whatever legal theory they rest on and whether they seek legal or equitable remedies, and whether they arose in the past, exist now or arise in the future. All such claims are called "Claims".
Supporting quotations
Claims or disputes between you and us about the digital platforms, products, and services in this agreement are subject to arbitration. Any Claims or disputes arising from or relating to this Agreement or any prior agreements of similar type between us are included. Claims or disputes are subject to arbitration, regardless of what theory they are based on or whether they seek legal or equitable remedies. Arbitration applies to any and all such claims or disputes, whether they arose in the past, may currently exist or may arise in the future. All such claims or disputes are referred to in this section as "Claims."
Qualifications & exceptions
Only claims between you and Chase about these platforms, products and services, plus claims relating to this Agreement or prior similar agreements.
Legal Rights & Agreement Rules · User right or choice
Small claims court is the only exception to arbitration
The only exception to arbitrating Claims is that you and Chase can each bring a Claim in small claims court instead, if the Claim is within that court’s jurisdiction and proceeds on an individual basis.
Supporting quotations
The only exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basis.
Qualifications & exceptions
The claim must be within the small claims court’s jurisdiction and proceed on an individual basis.
Legal Rights & Agreement Rules · User right or choice
You can opt out of arbitration within 60 days of accepting the Agreement
You may opt out of the agreement to arbitrate if you tell Chase within sixty days of accepting the Agreement. Opt-out requests made more than sixty days after the initial acceptance are invalid. An opt-out does not apply to litigation or arbitration that is already pending between you and Chase when you accept. To opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile, or in Chase Mobile or JP Morgan Mobile. If you do not opt out, the agreement to arbitrate applies without limitation. A valid opt-out affects only this arbitration agreement, not the Agreement’s other provisions or any other arbitration agreement.
Supporting quotations
YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW.
You have the right to opt out of this agreement to arbitrate if you tell us within sixty (60) days of accepting this Agreement. Requests to opt out of this Agreement that are made more than sixty (60) days after the initial acceptance of this Agreement are invalid. If you already have pending litigation or arbitration against/with us when you accept this Agreement, any request to opt out of this arbitration clause will not apply to that litigation or arbitration. If you want to opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or on Chase Mobile or JP Morgan Mobile. Otherwise this agreement to arbitrate will apply without limitation. Opting out of this agreement to arbitrate will not affect the other provisions of this Agreement. If you validly opt out of this agreement to arbitrate, your decision to opt out will apply only to this arbitration agreement and not any other arbitration agreement.
Qualifications & exceptions
The window is sixty days from accepting the Agreement.
Pending litigation or arbitration is not affected.
Opting out applies only to this arbitration agreement.
Not stated here
The agreement does not say whether a later change to the Agreement opens a new opt-out window.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration proceeds individually: no class, representative or consolidated claims
Claims in arbitration proceed on an individual basis, for the named parties only. You and Chase agree not to bring a claim in arbitration as a class claim, class action, private attorney general proceeding or other representative proceeding; not to consolidate claims of different claimants (except claimants on the same account), unless Chase agrees; not to be part of or represented in a class or representative action brought by anyone else; and not to seek any award or remedy in arbitration for or against anyone who is not a named party, including public injunctive relief.
Supporting quotations
Claims in arbitration will proceed on an individual basis
YOU AND WE AGREE NOT TO:
SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE PROCEEDING;
SEEK TO CONSOLIDATE IN ARBITRATION ANY CLAIMS INVOLVING DIFFERENT CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT), UNLESS WE AGREE;
BE PART OF, OR BE REPRESENTED IN, ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE; NOR
SEEK ANY AWARD OR REMEDY IN ARBITRATION AGAINST OR ON BEHALF OF ANYONE WHO IS NOT A NAMED PARTY TO THE ARBITRATION, INCLUDING BUT NOT LIMITED TO PUBLIC INJUNCTIVE RELIEF.
Qualifications & exceptions
Claimants on the same account are the stated exception to the no-consolidation promise.
Consolidation of different claimants is possible if Chase agrees.
Legal Rights & Agreement Rules · Procedure
If the class waiver is unenforceable, a court decides and the claims are split
A court, not the arbitrator, decides any question about whether the class and representative action section can be enforced or how it is read. If a court finds any of its terms unenforceable for a Claim or request for relief, then claims that can lawfully be arbitrated are filed and decided in arbitration; claims that cannot are decided in court; court claims are paused until the arbitration of the others is finished; and when the court case resumes, the court may consider but is not bound by the arbitrator’s findings. For example, if a ban on public injunctive relief is found unenforceable, the request for public injunctive relief goes to court after the other claims are arbitrated individually. No arbitrator may hear a Claim for a non-party or award anything for or against a non-party.
Supporting quotations
Any question regarding the enforceability or interpretation of this section (“What about class actions or representative actions?”) shall be decided by a court and not the arbitrator. If a court determines that any of the terms of this section are legally unenforceable for any reason with respect to a Claim or request for relief sought in connection with a Claim, then you and we agree that the arbitration and litigation shall proceed as follows: (1) all Claims or requests for relief for which arbitration is legally enforceable must be filed and adjudicated in arbitration; (2) any Claims or requests for relief for which arbitration is not legally enforceable will be decided through litigation in court; (3) any Claims or requests for relief that are to be decided through litigation in court will be stayed pending completion of the arbitration of all other Claims or requests for relief; and (4) when litigation in court resumes, the Court may consider but will not be bound by any determination made by the arbitrator. By way of example, if a Claim seeks both public injunctive relief and other relief, and the prohibition on an award of public injunctive relief is found to be unenforceable, then the request for public injunctive relief will be decided in litigation in the court after Claims seeking other relief had been adjudicated in arbitration on an individual basis. For the avoidance of doubt, no arbitrator shall have authority to entertain any Claim on behalf of a person who is not a named party, nor shall any arbitrator have authority to make any award for the benefit of, or against, any person who is not a named party.
Qualifications & exceptions
Applies only if a court finds the class or representative action terms unenforceable for a Claim or request for relief.
Legal Rights & Agreement Rules · Restriction or exception
Third parties can be pulled in; "you" and "we" are defined broadly for arbitration
Arbitration applies whenever there is a Claim between you and Chase. If a third party is also involved, the Claim is decided with respect to that third party in arbitration too, and it must be named as a party under the arbitration rules. The arbitrator grants relief only for or against a named party, and the arbitration may not be consolidated with any other arbitration. For arbitration, "you" includes any person listed on your account, and "we" includes J.P. Morgan Chase, all its affiliates and all third parties regarded as Chase’s agents or representatives in connection with a Claim, including an unaffiliated third party to which Chase assigns your account.
Supporting quotations
Arbitration applies whenever there is a Claim between you and us. If a third party is also involved in a Claim between you and us, then the Claim will be decided with respect to the third party in arbitration as well, and it must be named as a party in accordance with the rules of procedure governing the arbitration. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party. For purposes of arbitration, “you” includes any person who is listed on your account, and “we” includes J.P. Morgan Chase, all its affiliates, and all third parties who are regarded as agents or representatives of ours in connection with a Claim. (If we assign your account to an unaffiliated third party, then “we” includes that third party.) The arbitration may not be consolidated with any other arbitration proceeding.
Qualifications & exceptions
"We" covers affiliates and agents or representatives for the Claim.
If Chase assigns your account to an unaffiliated third party, that party is included in "we".
Legal Rights & Agreement Rules · Procedure
Filer picks JAMS or AAA; this Agreement controls over the administrator’s rules
The party filing a Claim in arbitration must choose JAMS or the American Arbitration Association (AAA) as administrator, whose rules in effect when the arbitration begins apply. If those rules conflict with the arbitration agreement or the Agreement, the arbitration provision and the Agreement control. If neither JAMS nor the AAA can handle the Claim, a neutral arbitrator chosen by the parties (or by a court under the FAA if they cannot agree) arbitrates under AAA rules.
Supporting quotations
The party filing a Claim in arbitration must select JAMS or the American Arbitration Association ("AAA") as the arbitration administrator. That organization will apply its rules and procedures in effect at the time the arbitration is commenced. If there is a conflict between the applicable rules and procedures and this arbitration agreement and/or this Agreement, this arbitration provision and this Agreement will control. In the event that JAMS or the AAA is unable to handle the Claim for any reason, then the matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the FAA), pursuant to the AAA rules of procedure.
Legal Rights & Agreement Rules · Procedure
One arbitrator applies the law and can award what the law and the Agreement allow
A single arbitrator decides the Claim in accordance with applicable law and the FAA, applying substantive law including the Uniform Commercial Code, statutes of limitation, conditions precedent to suit and recognized principles of equity, and honoring legally recognized privilege. The arbitrator may award a party any damages or relief the law and the agreement between you and Chase permit, including the limitations set out above.
Supporting quotations
The arbitrator will decide the Claim in accordance with all applicable law and consistent with the FAA. A single arbitrator will conduct the arbitration and will apply applicable substantive law, including the Uniform Commercial Code, statutes of limitation, conditions precedent to suit, and recognized principles of equity, will honor claims of privilege recognized by law. The arbitrator will have the power to award to a party any damages or relief as permitted by the law and the agreement between you and us (including the limitations set forth above).
Qualifications & exceptions
Awards are limited by the law and by the agreement’s limitations.
Legal Rights & Agreement Rules · Restriction or exception
The arbitration ruling is final and cannot be appealed except under the FAA
The arbitration ruling is final and binding and can be enforced by any court with jurisdiction. No party may appeal the ruling, except as the Federal Arbitration Act allows.
Supporting quotations
The arbitration ruling will be considered final and binding, and enforceable by any court having jurisdiction. No party may seek an appeal of the arbitration ruling, except as provided under the FAA.
Qualifications & exceptions
The FAA is the stated exception to the no-appeal rule.
Charges & Financial Obligations · Procedure
Who pays arbitration fees: you pay the filing fee, with refunds and Chase-paid hearing fees
Unless the arbitration administrator waives it, you must pay the initial filing fee. If you and Chase settle before the hearing, Chase reimburses you up to $500 in filing fees as part of the negotiated settlement. If there is no settlement before the hearing, Chase also pays the arbitrator and administrator fees for the first two days of any hearing. If you are the prevailing party, Chase reimburses fees you paid to the arbitration organization or arbitrator. All other fees are split between you and Chase under the administrator’s rules and applicable law.
Supporting quotations
Unless the arbitration administrator waives your initial filing fee to commence arbitration, you are obligated to pay that fee but, if a settlement is reached between you and us prior to the hearing, we will reimburse you for up to $500 for filing fees as part of the negotiated terms of the settlement. If a settlement is not reached prior to the hearing, we also will pay any fees for the arbitrator and arbitration administrator for the first two days of any hearing. If you are the prevailing party in the arbitration, we will reimburse you for any fees you paid to the arbitration organization and/or arbitrator. Except as provided above, all other fees will be allocated between you and us according to the arbitration administrator’s rules and applicable law.
Qualifications & exceptions
The $500 reimbursement applies only when a settlement is reached before the hearing.
Chase pays first-two-day hearing fees only when no settlement is reached before the hearing.
Reimbursement of your fees applies if you are the prevailing party.
Legal Rights & Agreement Rules · Procedure
File with JAMS or AAA; hearings are in your federal district; the clause survives termination
Rules and forms can be obtained from, and Claims filed with, JAMS or the AAA at the websites given. Arbitration hearings take place in the federal judicial district that includes your address when the Claim is filed, unless the parties agree on a different place. The dispute section says it survives termination of the Agreement, but it refers to itself as "Section 13" while the arbitration terms in the supplied text sit under Section 14, "Disputes and Arbitration".
Supporting quotations
Rules and forms may be obtained from, and Claims may be filed with, JAMS (www.jamsadr.com) or the AAA (www.adr.org). Arbitration hearings will take place in the federal judicial district that includes your address at the time the Claim is filed, unless the parties agree to a different place.
This Section 13 shall survive termination of this Agreement.
Qualifications & exceptions
Hearing location is your federal judicial district at the time of filing unless the parties agree otherwise.
Not stated here
The survival sentence cites "Section 13"; the supplied text numbers the arbitration section 14, so the intended target is not confirmed by the document.
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.
Sharing & Disclosure · Context
Chase’s privacy policy and consumer privacy notices apply to platform use
Chase’s online privacy policy and, where appropriate, its U.S. consumer privacy notices, as amended from time to time and available at chase.com and jpmorganonline.com, apply to your use of the Digital Platforms and any Services. The notices, which include details about information sharing practices and your right to opt out of certain sharing, were provided when you opened your account. They can be viewed under the Security & Privacy tab, then Data Privacy, or through the Privacy link at the bottom of the website pages.
Supporting quotations
Your privacy and the security of your information are important to us. Our online privacy policy and, where appropriate, our U.S. consumer privacy notices, as amended from time to time (available online at chase.com and jpmorganonline.com), apply to your use of the Digital Platforms and any of the Services. Our privacy notices, which include details about our information sharing practices and your right to opt out of certain information sharing, were provided to you when you opened your account with us. The notices can be viewed by clicking on the “Security & Privacy” tab, then “Data Privacy” or by scrolling to the bottom of our website pages and clicking the “Privacy” link.
Qualifications & exceptions
The privacy notices apply "where appropriate" and may be amended from time to time.
Not stated here
The privacy policy and notices are separate documents that are not part of this source, so their contents are not described here.
Legal Rights & Agreement Rules · Restriction or exception
You indemnify Chase for third-party claims from your use, your credentials and your agents
You are responsible for your conduct, and the conduct of any individual or agent (including AI agents and agentic AI) to whom you provided access, while using the platforms and Services. You agree to indemnify, defend and hold harmless Chase, its affiliates and their officers, directors, shareholders, employees and agents from any loss, claim, damage, liability, cost or expense, including reasonable attorneys’ and expert fees, in connection with any third-party claim resulting or arising from: your use of the platforms, Services or Products or use by anyone using your Card number, account number, PIN, user ID, Password, login credentials, identity verification methods or sensitive information, or your violation of the Agreement or a third party’s rights (including privacy rights); the acts or omissions of you or anyone you give access to, such as an AI agent, including erroneous transactions or actions beyond the agent’s authority; and willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any other person or entity other than Chase. If you are a business, these obligations extend to acts and omissions of your employees, consultants and agents, including AI agents.
Supporting quotations
You acknowledge and agree that you are responsible for your conduct, and the conduct of any individual or agent, including AI agents and agentic AI, to whom you provided access, while using the Digital Platforms and Services and agree to indemnify, defend, and hold us, our affiliates, and each of our respective officers, directors, shareholders, employees and agents (the “J.P. Morgan Chase Indemnified Parties”) harmless from and against any loss, claim, damage, liability, cost or expense of any kind (including reasonable attorneys’ and expert witness fees and expenses and all costs of investigation) (collectively, “Losses”) in connection with any third party claim resulting or arising from:
your use of the Digital Platforms, any Service or Product, or the use of the Digital Platforms or any Service or Product by anyone using your Card number, account number, PIN, user ID or Password, or other login credentials, identity verification methods or sensitive information, or your violation of this Agreement or the rights of any third party (including privacy rights);
your acts or omissions or the acts or omissions of any other person or entity, including any employee or agent, such as AI agents or agentic AI, to whom you give access to your account, Digital Platforms of Services, including but not limited to erroneous transactions or actions that were not within the scope of your agent’s authority;
willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any other person or entity (other than us);
For purposes of clarity, if you are a business entity, the obligations under this Section will extend to the acts and omissions of your employees, consultants, and agents, including AI agents and agentic AI.
Qualifications & exceptions
The indemnity covers third-party claims.
Negligence of "any other person or entity (other than us)" is included.
For business entities, the duty extends to employees, consultants and agents.
Security & Safeguards · Restriction or exception
The indemnity covers Chase acting in good faith on your credentials or your agents’ authorizations
The indemnity also covers Chase acting on any transmission or instruction, whether or not authorized, in good faith and in reliance on user IDs, Passwords or other login credentials, identity verification methods or sensitive information. It further covers Chase acting, purporting to act or disclosing information in accordance with your electronic or written authorization granting view-only, view-and-update or view-and-transact privileges to your agents, including AI agents, attorneys-in-fact or other third parties.
Supporting quotations
any transmission or Instruction, whether or not authorized, acted upon by us in good faith and in reliance upon the user IDs, Passwords, or your other login credentials, identity verification methods, or sensitive information;
our acting, purporting to act or disclosing any information in accordance with your authorization pursuant to electronic or other written instructions granting view only, view and update and view and transact privileges to the Services to your agent(s), including AI agents or agentic AI, attorney(s)-in-fact, or other third parties;
Qualifications & exceptions
Chase’s good-faith reliance is the stated condition for the first trigger.
Covers authorizations you gave to agents, attorneys-in-fact or other third parties.
Legal Rights & Agreement Rules · Restriction or exception
Other indemnity triggers: breached promises, recipient contact data, Item warranties and infringement
You also indemnify Chase for third-party claims resulting from: your breach of any representation, warranty or covenant in the Agreement or the Other Documents; your giving a phone number, email address, information and photographs associated with recipients in your mobile device contacts, or another delivery location that is not your own, or your violation of applicable law; any warranty or indemnity Chase makes about an Item under laws, regulations and clearing house rules, including the 21st Century Act and Federal Reserve Board Regulations CC and J; and your infringement, misappropriation or violation of a third party’s property or other right.
Supporting quotations
breach by you of any representation, warranty or covenant made by you under this Agreement or the Other Documents;
your provision of a phone number, email address, information and photographs associated with recipients contained in your mobile device contacts, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance;
any warranty or indemnity that we make with respect to an Item under any and all laws, regulations and industry and clearing house rules, including the 21st Century Act and Federal Reserve Board Regulations CC and J, applicable to the Items; and
your infringement, misappropriation, or violation of any property or other right of any third party.
Legal Rights & Agreement Rules · Restriction or exception
Indemnity: business extension, claim notice and settlement consent, survival
If you are a business entity, your indemnity obligations extend to the acts and omissions of your employees, consultants and agents, including AI agents and agentic AI. Chase will give you prompt notice of third-party claims and reasonably cooperate in your defense, but you have no authority to settle a claim against a Chase indemnified party without that party’s prior written consent, which cannot be unreasonably withheld. Your indemnity obligations are in addition to any obligations in the Other Documents and survive termination of the Agreement.
Supporting quotations
For purposes of clarity, if you are a business entity, the obligations under this Section will extend to the acts and omissions of your employees, consultants, and agents, including AI agents and agentic AI.
We shall provide you with prompt notice of any third party claims and shall reasonably cooperate with you in your defense of any such claims; provided, however, you shall have no authority to settle any claim against any J.P. Morgan Chase Indemnified Party without the prior written consent of such J.P. Morgan Chase Indemnified Party (which consent shall not be unreasonably withheld).
Your obligations under this Section 17 shall be in addition to any obligations contained in the Other Documents and shall survive termination of this Agreement.
Qualifications & exceptions
Settlement needs the indemnified party’s prior written consent, not to be unreasonably withheld.
Obligations are in addition to those in the Other Documents.
Security & Safeguards · Restriction or exception
You bear the risk of lost data in a system failure and must verify transactions
In a system failure or interruption your data may be lost or destroyed. You should verify any transaction you started, were completing or had just completed before the failure through means other than the Digital Platforms or Services. Except as law provides otherwise, you assume the risk of data loss during a failure and the responsibility to verify the accuracy and completeness of affected transactions. You also bear the entire risk of loss, destruction and damage to the Products from any cause, and that does not reduce your obligations.
Supporting quotations
In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, were in the process of completing, or completed shortly before a system failure or interruption should be verified by you through means other than the Digital Platforms or Services to ensure the accuracy and completeness of such transaction(s). Except as otherwise provided by law, you assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected. In addition, you will bear the entire risk of loss, destruction and damage to the Products from any cause whatsoever, and no such loss, destruction or damage shall impair any of your obligations hereunder which shall continue in full force and effect.
Qualifications & exceptions
"Except as otherwise provided by law" qualifies the data-loss risk.
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.
Content & IP Rights · Permission or license
You get a limited, revocable license for personal or internal business use only
Chase grants you a non-exclusive, non-transferable, limited and revocable right to access and use the Digital Platforms and Services, and any software in object code, for your personal purposes or, if you are a business, internal business purposes only. Software provided through the platforms must be downloaded in the United States. You agree not to use the platforms or Services for other purposes, including commercial uses such as co-branding, framing, linking or reselling any part of them, without Chase’s prior written consent. For software Chase or its licensors make available to download for use with the Services, you get a non-exclusive, non-assignable, non-transferable, limited license for the Agreement’s term to use the object code and documentation ("Products") only in conjunction with your permitted use of the applicable Service.
Supporting quotations
The Digital Platforms offer a variety of content, products and services. We grant to you, for your personal or, if you are a business, internal business purposes only, a non-exclusive, non-transferable, limited and revocable right to access and use the Digital Platforms and Services, as well as any software, in object code. Any software provided through the Digital Platforms must be downloaded by you in the United States. You agree not to use the Digital Platforms or Services for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Digital Platforms without our prior written consent. To the extent we or our licensors make any software available to you via download on our website for use in conjunction with the Services, we hereby grant, and you hereby accept, for the term of this Agreement, a non-exclusive, non-assignable, non-transferable, limited right and license to use the proprietary computer software products in object code and any associated documentation (“Products”) for use only directly in conjunction with its permitted use of the applicable Service.
Qualifications & exceptions
Personal use, or internal business purposes for a business.
Software downloads must happen in the United States.
Commercial uses need Chase’s prior written consent.
Content & IP Rights · Restriction or exception
Content and trademarks belong to Chase or third parties, apart from your own records
You acknowledge that, other than your electronic records stored by the platforms or Services, all content on the Digital Platforms and Services is the property of JPMC and/or third parties and is protected by copyright, trademark or other rights; that the compilation of all content belongs exclusively to JPMC and/or its licensors; that trademarks, logos and service marks displayed may not be copied, altered, modified or changed; and that nothing grants any license to use a Trademark without express written permission from JPMC or the third party holding rights to it.
Supporting quotations
You acknowledge and agree that: (a) other than your electronic records stored by the Digital Platforms or the Services, all content included in or available through the Digital Platforms and Services is the property of JPMC and/or third parties and is protected by copyrights, trademarks, or other intellectual and proprietary rights; (b) the compilation of all content on the Digital Platforms and Services is the exclusive property of JPMC and/or its licensors and is protected by copyright or other intellectual property rights; (c) the trademarks, logos, and service marks displayed on the Digital Platforms or Services (collectively, “Trademarks”) are the registered and unregistered trademarks of JPMC or third parties, and may not be copied, altered, modified, or changed; and (d) nothing contained on the Digital Platforms or any Service should be construed as granting by implication or otherwise any license or right to use any Trademark without the express written permission of JPMC or the third party which has rights to such Trademark, as appropriate.
Qualifications & exceptions
Your own electronic records stored by the platforms or Services are carved out of the ownership statement.
Content & IP Rights · Restriction or exception
Chase keeps all rights; a breach immediately ends your right to use the platforms
Except for the licenses granted, all rights, interest and title in the Digital Platforms and Services, their content, technology, applications, websites and Products, including improvements, modifications and derivative works, stay with Chase or its licensors, and you acquire no rights in them. Your use is subject to and conditioned on complete compliance with the Agreement, and any breach immediately terminates your right to use the platforms and Services. You may not use the platforms, Services or Products in an anti-competitive manner, for any purpose contrary to Chase’s business interest, or to Chase’s actual or potential economic disadvantage in any aspect.
Supporting quotations
Except for the licenses granted to you under this Agreement, all rights, interest and title in and to the Digital Platforms and Services, associated content, technology, application, website(s) and Products, including any improvements, modifications, and derivative works, will at all times remain with us or our licensors, and you shall acquire no rights in the Digital Platforms, Services, or Products. Your use of the Digital Platforms, Services, and Products is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Digital Platforms and Services. Without limiting the foregoing, you may not use the Digital Platforms, Services or Products (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to our business interest, or (iii) to our actual or potential economic disadvantage in any aspect.
Qualifications & exceptions
A breach of the Agreement immediately terminates the right to use, without a notice step stated here.
Content & IP Rights · Restriction or exception
Use only for personal or internal business purposes and report unauthorized use
You must use the Digital Platforms, Services and Products solely for your personal or internal business purposes. You may not use them for time sharing, rental or service bureau purposes, or for the sale, marketing or (except as expressly provided) commercial exploitation of them. You must notify Chase in writing, immediately after it becomes known to you, of any unauthorized use or disclosure of the platforms, Services or Products.
Supporting quotations
You shall use the Digital Platforms, Services, and Products solely for your personal or internal business purposes. For purposes of this clause, you may not use the Digital Platforms or any Service or Product for time sharing, rental, or service bureau purposes, or the sale, marketing or (except as otherwise expressly provided herein) commercial exploitation of the Digital Platforms, Services, and Products.
You will notify us in writing regarding any unauthorized use or disclosure of the Digital Platforms, Services, or Products immediately after it becomes known to you.
Qualifications & exceptions
Commercial exploitation is barred except as the Agreement expressly provides.
Content & IP Rights · Restriction or exception
No reverse engineering, copying, resale or removal of notices; Chase owns the platforms
You may not, and may not allow any third party to: decompile, reverse engineer, disassemble, try to derive source code from, modify, copy or create derivative works of any part of the Digital Platforms, Services or Products; display, assign, sublicense, distribute, export, resell or otherwise transfer any interest in the Agreement or the Products to a third party; remove proprietary notices or labels on the platforms; or exercise any right not expressly granted. Chase or its licensors own all rights in the platforms, Services and Products, including the products and services accessed through Mobile Services, and you receive only the rights the Agreement specifically states.
Supporting quotations
You may not, and will not allow or cause any third party to: (a) decompile, reverse engineer, reverse compile, reverse-assemble, disassemble, attempt to derive the source code of, or modify, copy, or create derivative works of any portion of the Digital Platforms or any Services or Products; (b) display, assign, sublicense, distribute, export, resell, or otherwise transfer any interest in this Agreement or the Products to any third party; (c) remove any proprietary or intellectual property rights notices or labels on the Digital Platforms; or (d) otherwise exercise any other right to the Digital Platforms not expressly granted in this Agreement. We, or our licensors, own all right, title and interest, including all intellectual property rights (including all names, trade names, trademarks, service marks, slogans, logos or other indicia) in and to the Digital Platforms, Services, and Products (including the products and services accessed through the Mobile Services). No license or other right in or to the Digital Platforms, Services, or Products is granted to you except for the rights specifically set forth in this Agreement.
Security & Safeguards · Restriction or exception
You handle installation, training, maintenance and your own backups
Unless the Agreement expressly says otherwise, you are solely responsible for installing, training on and maintaining the Digital Platforms, Services and Products. It is your responsibility, and expressly not Chase’s, to set up reasonable backups, accuracy checks and security precautions against malfunctions, data loss and unauthorized access.
Supporting quotations
Except as otherwise expressly set forth in this Agreement, you will be solely responsible for the installation, training and maintenance of the Digital Platforms, Services, and Products. It is your (and expressly not our) responsibility to establish reasonable backups, accuracy checks and security precautions to guard against possible malfunctions, loss of data and unauthorized access.
Qualifications & exceptions
"Except as otherwise expressly set forth in this Agreement" qualifies the rule; Addenda may differ.
Content & IP Rights · Permission or license
If software may infringe, Chase can replace it, change it or end your license
If the Products become, or in Chase’s opinion are reasonably likely to become, the subject of an infringement claim, you allow Chase, at its option and expense, to replace the Products with a non-infringing alternative, modify them so they are non-infringing, or terminate the license.
Supporting quotations
In the event the Products become, or in our opinion are reasonably likely to become, the subject of a claim of infringement, you will allow us, at our option and expense, to replace the Products with a non-infringing alternative, modify the Products so that they become non-infringing or terminate the license.
Qualifications & exceptions
Triggered by an actual claim or Chase’s opinion that a claim is reasonably likely.
Content & IP Rights · Permission or license
Suggestions you send Chase become Chase’s property
Any suggestion, idea, proposal or other material you give Chase becomes Chase’s property, without limitation or further consideration, once you submit it.
Supporting quotations
Upon submission, any suggestion, idea, proposal or other material you provide to us becomes our property without limitation or further consideration.
Qualifications & exceptions
Applies on submission.
No further payment or consideration is promised.
Content & IP Rights · Restriction or exception
You must keep the platforms and Products confidential as trade secrets
You acknowledge that the Digital Platforms, Services and Products are trade secrets of significant value to Chase and its licensors and must be kept secret, confidential and proprietary, and that copyright legends do not reduce that status. You must take all reasonable steps to prevent unauthorized disclosure or use, using at least the care you use to protect your own most valuable confidential information, and must not remove or alter copyright or proprietary legends. This section survives termination of the Agreement.
Supporting quotations
You acknowledge that the Digital Platforms, Services, and Products constitute trade secrets and represent significant economic and commercial value to us and/or our licensors and must be maintained as secret, confidential and proprietary. You agree that copyright legends borne by the Digital Platforms, Services, and Products in no way reduce the trade secret, proprietary and/or confidential nature thereof. You will take all reasonable steps to safeguard the Digital Platforms, Services, and Products to ensure that no unauthorized disclosure or use is made, in whole or in part, and will use at least the same degree of care to prevent the unauthorized use, disclosure or availability of the Digital Platforms, Services, and Products as you ordinarily use in protecting your own most valuable confidential and proprietary information. You will not remove or alter any copyright or other proprietary legends contained on the Digital Platforms, Services, and Products. This Section 21 shall survive termination of this Agreement.
Qualifications & exceptions
The standard of care is at least the care you use for your own most valuable confidential information.
Sharing & Disclosure · Restriction or exception
Chase is not responsible for linked third-party sites and apps
Chase’s websites may contain third-party content and links to other apps or websites ("Linked Sites"). Chase does not control or take responsibility for their content, products or services, does not endorse or guarantee what they offer, and is not liable for failures of products or services advertised there. Third-party sites may offer less security and have a different privacy policy. Your access, use and reliance on such content, products or services is at your own risk.
Supporting quotations
Our websites may contain third party content and links to other third party apps or web sites (collectively, “Linked Sites”). We are not responsible for, nor do we control, the content, products, or services provided by Linked Sites. We do not endorse or guarantee the products, information or recommendations provided by Linked Sites, and are not liable for any failure of products or services advertised on those sites. In addition, each third party site may provide less security than we do and have a privacy policy different than ours. Your access, use and reliance upon such content, products or services is at your own risk.
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.
Legal Rights & Agreement Rules · Permission or license
Chase may assign or delegate its rights; you may not assign the Agreement
Chase may assign its interest in the Agreement, in whole or in part, to its successors or to any present or future direct or indirect subsidiary of Chase or its affiliates, and may assign or delegate certain rights and responsibilities to independent contractors or other third parties. You may not assign the Agreement.
Supporting quotations
For the avoidance of doubt, we may (a) assign our interest in this Agreement, in whole or in part, to our successors or to any now-existing or future direct or indirect subsidiary of us or our affiliates or (b) assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.
You may not assign this Agreement.
Qualifications & exceptions
Chase does not need your consent for an assignment under this clause.
Legal Rights & Agreement Rules · Restriction or exception
Terms that by nature continue after termination survive, including confidentiality, indemnity and liability limits
After the Agreement or an Addendum ends, the terms that expressly or by their nature contemplate performance after termination survive and continue in full force. The provisions protecting Chase’s confidential information, requiring indemnification and setting limitations of liability are each named as examples of provisions that by their nature continue.
Supporting quotations
After this Agreement or any Addendum terminates, the terms of this Agreement and that Addendum that expressly or by their nature contemplate performance after such termination will survive and continue in full force and effect. For avoidance of doubt, the provisions protecting our confidential information, requiring indemnification and setting forth limitations of liability each, by their nature, contemplate performance or observance after this Agreement or an Addendum terminates.
Legal Rights & Agreement Rules · Procedure
Tell Chase promptly in writing if you receive notice of a claim
If you receive notice of any Claim about the Digital Platforms or any Service, you must promptly give Chase written notice of it.
Supporting quotations
If you receive notice of any Claim regarding the Digital Platforms or any Service, you shall promptly provide us with a written notice of it.
Not stated here
"Claim" is capitalized here; the agreement defines "Claims" in the arbitration section, and this section does not say whether the same definition applies.
Legal Rights & Agreement Rules · Restriction or exception
Chase’s rights are waived only in a signed writing; invalid terms are read as closely as possible to intent
Chase does not waive any right or remedy unless the waiver is in writing and signed by Chase. Delay or omission in exercising a right is not a waiver, and a waiver on one occasion does not bar rights on later occasions. If a provision conflicts with governing law or a court finds it invalid or unenforceable, it is treated as restated to reflect the parties’ original intentions as nearly as possible under applicable law, and the remaining provisions stay valid and enforceable to the full extent of the law. This section survives termination.
Supporting quotations
We will not be deemed to have waived any of our rights or remedies under this Agreement unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
If any provision of this Agreement conflicts with the law under which this Agreement is to be construed or if any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of this Agreement and the application of the challenged provision to persons or circumstances other than those as to which it is invalid or unenforceable will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.
This Section 26 shall survive termination of this Agreement.
Qualifications & exceptions
The waiver rule is written as Chase’s protection ("We will not be deemed to have waived").
Legal Rights & Agreement Rules · Restriction or exception
The Agreement plus Other Documents is the entire agreement
This Agreement, including the Other Documents, is the entire agreement between you and Chase and replaces all prior agreements and understandings on its subject matter, despite any oral representations or statements to the contrary.
Supporting quotations
This Agreement, including the Other Documents, constitutes the entire agreement between you and us and supersedes all prior agreements and understandings as to the subject matter hereof, notwithstanding any oral representations or statements to the contrary.
Qualifications & exceptions
Other Documents (account agreements, loan documents, cardmember agreements, EULA and privacy policies) are part of the entire agreement.
Legal Rights & Agreement Rules · Restriction or exception
New York law governs platform disputes; account disputes follow the account agreement’s law
Disputes related to the Digital Platforms or Services covered by this Agreement are governed by the substantive law of the State of New York, without regard to choice-of-law principles. Disputes about your accounts or Cards accessed through the platforms or Services are governed by the laws stated in the underlying account or cardmember agreement. This section survives termination.
Supporting quotations
Disputes related to the Digital Platforms or Services covered by this Agreement shall be governed by the substantive law of the State of New York, without regard to choice of law principles.
Any disputes relating to your account(s) or Cards accessed through the Digital Platforms or Services shall be governed by the laws set forth in the underlying applicable account or cardmember agreement.
This Section 28 shall survive termination of this Agreement.
Qualifications & exceptions
Account and card disputes follow the underlying account or cardmember agreement’s governing law.
Legal Rights & Agreement Rules · Context
Glossary: Agreement, Addendum, Claim and Card
In the Glossary, "Agreement" means the Digital Services Agreement together with the Addenda, as amended from time to time, and "Addendum" means each addendum to it, including any added in the future. "Claim" means any dispute, claim or controversy arising now or in the future under or relating in any way to this Agreement, including the Digital Platforms Account or Services. "Card" means any credit and/or debit card issued by Chase.
Supporting quotations
Refers to each addendum to this Agreement, including any addendum that we may add in the future.
Refers to this Digital Services Agreement, together with the Addenda, as amended or modified from time to time.
Refers to any credit and/or debit card issued by us.
Refers to any dispute, claim or controversy arising now or in the future under or relating in any way to this Agreement, including the Digital Platforms Account or Services.
Qualifications & exceptions
The Glossary definition of Claim is broad: "relating in any way to this Agreement".
Not stated here
The Glossary definition of Claim differs in wording from the definition given inside the arbitration section.
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.
Charges & Financial Obligations · Context
Glossary: Business Day, Cutoff Time, Current Day and ET
"Business Day" means Monday through Friday excluding federal holidays; for Internal Transfers to or from Investment Accounts, Good Friday is also excluded. "Cutoff Time" is the time by which Chase must receive Instructions for them to count as entered on that Business Day, and each Addendum gives details; for example, the ACH Collections Addendum sets it at 7:00 p.m. ET. "Current Day" means a payment or transfer from an account held by Chase scheduled with a present-day Send On Date, or the next Business Day if scheduled after the Cutoff Time. "ET" is defined as Eastern Standard Time.
Supporting quotations
Refers to Monday through Friday, excluding federal holidays. For purposes of Transfers to or from Investment Accounts via Internal Transfers, the term. “Business Day” also excludes Good Friday.
Refers to the time by which we must receive Instructions to have them considered entered on that particular Business Day. See each Addendum for additional details.
“Cutoff Time” refers to 7:00 p.m. ET on any Business Day
Refers to a payment, including a Bill Payment, ACH Collection, or Transfer, from an account held by us that is scheduled with a present day Send On Date; or the next Business Day if scheduled after the Cutoff Time.
Refers to Eastern Standard Time.
Qualifications & exceptions
The Glossary says to see each Addendum for Cutoff Time details.
The Glossary defines ET as "Eastern Standard Time" without addressing daylight saving time.
Not stated here
The Glossary does not say how ET applies during daylight saving time.
Charges & Financial Obligations · Context
Glossary: payment terms such as Funded, Cancelled, Funding Failed and Deliver By Date
"Funded" means the payment amount has been withdrawn from the available balance or available credit of your From Account. "Cancelled" means a payment or transfer, including an ACH Collection or ACH Payment, will be neither processed nor sent for any reason. "Funding Failed" means a payment or transfer will not be delivered after multiple unsuccessful attempts to withdraw funds from the From Account on consecutive Business Days, or when the institution holding your External Account says the transfer could not be completed. "Deliver By Date" is the date you would like the payment or transfer delivered to your intended recipient, which may or may not be the date the Payee posts it. "Delivery Method" is how the payment is transmitted, electronically or by check. "From Account" is the eligible account from which a requested payment, transfer or other transaction is made.
Supporting quotations
Refers to when a payment amount has been withdrawn from the available balance or available credit of your From Account or when an amount to be Transferred has been withdrawn from (or in the case of a line of credit, charged against) the available balance of your From Account.
Refers to when a payment or Transfer, including any ACH Collection or ACH Payment, will neither be processed nor sent for any reason.
Refers to when a payment (including an ACH Payment or Bill Payment) or Transfer will not be delivered after multiple unsuccessful attempts have been made to withdraw funds from the appropriate From Account on consecutive Business Days or when the financial institution holding your External Account notifies us that your attempted Transfer from your External Account could not be completed.
Refers to the date you would like your payment (including Bill Payment or ACH Payment) or Transfer delivered to your intended recipient (i.e., your Payee or your To Account); this may or may not be the date your payment will be posted by your Payee.
Refers to the way your payment is transmitted (i.e., either electronically or via check).
Refers to an eligible account from which a payment, including a Bill Payment or ACH Payment, Transfer, or other transaction using the Services is being requested by you, from which such transactions will be made or transferred.
Qualifications & exceptions
Funding Failed requires multiple unsuccessful withdrawal attempts on consecutive Business Days, or notice from the External Account institution.
Charges & Financial Obligations · Context
Glossary: ACH, Bill Payment, Chase Loan or Credit Account
In the Glossary, "ACH" means an electronic deposit to, or withdrawal from, your account sent or received through the automated clearing house network; the ACH Collections Addendum uses a narrower meaning for business customers enrolled in that Service. "Bill Payment" means a one-time or repeating payment from an eligible account to companies, merchants or individuals. "Chase Loan or Credit Account" means one of Chase’s loan or credit accounts (including a mortgage, auto or student loan or credit card) held in your name that you have listed as a Payee.
Supporting quotations
Refers to an electronic deposit to, or withdrawal from, your account that we receive or send through the “automated clearing house” network.
is used for business customers enrolled in the ACH Collections Service
Refers to a one-time payment or repeating payments made from an eligible account to companies, merchants, or individuals.
Refers to one of our loan or credit accounts (including a mortgage, auto or student loan or credit card) held in your name that has been listed as a Payee.
Qualifications & exceptions
The Glossary and the Addenda define some terms differently; the Addendum definition governs its own Service.
Charges & Financial Obligations · Context
Glossary: External Account and External Transfers
An "External Account" is a checking or savings account held at an institution other than Chase and registered for External Transfers. Its account holder must be the same individual or business entity as the account holder of the Chase deposit, prepaid, line of credit, mortgage, installment loan or auto account that is authorized to access the Services. "External Transfers" is the part of the Transfers Service that lets you send Instructions for payments or transfers to or from accounts not held by Chase, to move funds between an eligible Chase account and an External Account.
Supporting quotations
Refers to checking and savings accounts held by institutions other than us and registered for External Transfers. The account holder of the External Account must be the same individual or business entity as the account holder of the deposit or prepaid account, or line of credit, mortgage, installment loan or auto account who is authorized to access the Services.
Refers to the portion of the Transfers Service that allows you to issue Instructions to us for payments or Transfers, as applicable, to or from accounts not held by us. External Transfers can be used to Transfer funds between an eligible account held by us and an External Account.
Qualifications & exceptions
The External Account holder must match the account holder of the authorized Chase account.
Legal Rights & Agreement Rules · Context
Glossary: Communication Service Provider and EULA
A "Communication Service Provider" is an entity that offers the transmission, routing or providing of connections for communications or access via the telephone. A "EULA" is an end user license agreement or software license agreement through which a licensor and purchaser set the purchaser’s right to use software.
Supporting quotations
Refers to an entity offering the transmission, routing, or providing of connections for communications or access via the telephone.
Refers to an end user license agreement or software license agreement whereby a licensor and purchaser establish the purchaser’s right to use the software.
Charges & Financial Obligations · Context
Glossary: Instructions, Future Dated, Pending, Funds Needed, Processed and Paid
"Instructions" are the information you or the sender give Chase for a payment or Transfer to be delivered (including Payee or To Account name, account number and Deliver By Date), or for an ACH Collection from a Payor. "Future Dated" means Instructions not scheduled to begin processing on the current Business Day; only Business Days can be chosen, and Future Dated Collections include any Instruction entered after the Cutoff Time on a Business Day or on a non-Business Day. "Pending" is an Instruction you ordered that you have not Cancelled before the Cutoff Time on the Send On Date, and Future Dated ACH Collections and ACH Payments are Pending from entry until Chase releases them or they are Funded. "Funds Needed" means an Instruction was not processed because the From Account lacked funds or available credit after the first and/or second withdrawal attempt. "Processed" means an electronic payment has been sent to the payee; because electronic payees do not confirm receipt to Chase, you need to contact the payee for confirmation. "Paid" means a paper-check payment is complete because the check was presented to Chase.
Supporting quotations
Refers to the information provided by you or the sender to us for (i) a payment, including a Bill Payment, ACH Payment, or Transfer to be delivered to the Payee, Chase Loan or Credit Account or To Account, (ii) an ACH Collection to be collected from the Payor, or (iii) the funds to be delivered to the Payee or To Account (including Payee or To Account name, account number, and Deliver By Date).
Refers to Instructions that are not scheduled to begin processing on the current Business Day; only Business Days may be selected for Future Dated payments and Transfers. Future Dated Collections include any Instruction entered after the Cutoff Time on any Business Day or any Instruction entered on a non-
Business Day.
Refers to any Instruction that you have ordered or requested to be made which has not been Cancelled by you before the Cutoff Time on the Send On Date. All Future Dated ACH Collections and ACH Payments are “Pending” starting from the time you enter Instructions until they are released by us or “Funded”.
Refers to when an Instruction is not processed because the respective From Account had insufficient funds or available credit to complete the transaction after the first and/or second attempt to withdraw the funds.
Means an electronic payment has been sent to the payee; however, since electronic payees do not provide us with confirmation of receipt or processing of electronic payments, you need to contact payee directly for confirmation.
Means a payment made via paper check has been completed because the check has been presented to Chase for payment.
Qualifications & exceptions
Processed does not mean the payee confirmed receipt.
A Future Dated Collection includes an Instruction entered after the Cutoff Time or on a non-Business Day.
Legal Rights & Agreement Rules · Context
Glossary: "Chase" and "JPMC" include parents, affiliates, agents and assignees
"JPMC", "J.P. Morgan Chase" and "Chase" (and the bank-name variants listed) mean JPMorgan Chase Bank, National Association, together with any parent company, subsidiary, affiliate, licensee, predecessor or successor that holds your accounts or provides you services, and any agent, independent contractor, designee or assignee that Chase may, at its sole discretion, involve in providing the applicable Service. "J.P. Morgan" and "JP Morgan" mean J.P. Morgan Securities LLC. "J.P. Morgan Mobile" and "J.P. Morgan Online" are the client-facing mobile and online platforms (online at www.jpmorganonline.com) for certain JPMC customers, including clients of the Private Bank.
Supporting quotations
Refers to JPMorgan Chase Bank, National Association, any parent company, subsidiary, affiliate, licensee, predecessor, or successors of such entity that holds your accounts or provides you services and any agent, independent contractor, designee, or assignee that we may, at our sole discretion, involve in the provision of the applicable Service.
Refers to J.P. Morgan Securities LLC.
Refers to the mobile, client-facing platform on which certain JPMC customers, including clients of our Private Bank manage their assets and access their investment, banking and credit account information.
Refers to the online, client-facing platform, www.jpmorganonline.com, on which certain JPMC customers, including clients of our Private Bank manage their assets and access their investment, banking and credit account information.
Qualifications & exceptions
The definition of Chase reaches agents, contractors, designees and assignees Chase involves in providing the Service.
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.
Use & Processing · Context
Glossary: Online Services, Mobile Services, Internal Transfers, internet providers and NACHA terms
"Online Services" means online products, services, functionality, documentation or software available on Chase Online or J.P. Morgan Online through a desktop or laptop computer. "Mobile Services" means mobile products, services, functionality, documentation or software available on Chase Mobile or J.P. Morgan Mobile through a mobile or tablet device. "Internal Transfers" is the part of the Transfers Service for transfers between two eligible accounts held by Chase. An "Internet Service Provider" is an entity offering transmission, routing or connections for digital communications or Internet access. "NACHA" is the National Automated Clearing House Association, "NACHA Rules" are its Operating Rules as amended from time to time, and "RDFI" is the receiving depository financial institution.
Supporting quotations
Refers to any online products, services, functionality and associated documentation or software available on Chase Online or J.P. Morgan Online through the use of a desktop computer or laptop.
Refers to any mobile products, services, functionality and associated documentation or software available on Chase Mobile or J.P. Morgan Mobile through the use of a mobile device or tablet device.
Refers to the portion of the Transfers Service that allows you to issue Instructions to us for transfers between two eligible accounts held by us.
Refers to an entity offering the transmission, routing, or providing of connections for digital communications or access via the Internet.
Refers to the National Automated Clearing House Association.
Refers to the Operating Rules of NACHA, as amended from time to time.
Refers to the receiving depository financial institution.
Qualifications & exceptions
Online Services are tied to desktop or laptop access; Mobile Services to mobile or tablet devices.
Charges & Financial Obligations · Context
Glossary: Investment Accounts, Items and Information Providers
"Investment Account(s)" is defined as certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody as part of trust and fiduciary services, and brokerage and advisory accounts offered through J.P. Morgan Securities LLC; the opening notice gives the same definition in slightly different words. An "Item" is a paper check or other paper source document payable only in U.S. Dollars. "Information Providers" are the providers of securities prices and quotations on the Services, such as the New York Stock Exchange, the American Stock Exchange, NASDAQ and other exchanges, their affiliates, agents and other parties.
Supporting quotations
Refers to certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, as part of its trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC.
“Investment Account(s)” is defined as including certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC.
Refers to a paper check or other paper source document only payable in U.S. Dollars.
Refers to information providers for securities prices and quotations available on the Services. These will include such securities markets as the New York Stock Exchange, Inc.; the American Stock Exchange; NASDAQ Stock Market, Inc.; and other exchanges, their affiliates, agents and other parties.
Qualifications & exceptions
An Item must be payable only in U.S. Dollars.
The Investment Account list uses "may include", so it is not exhaustive.
Charges & Financial Obligations · Context
Glossary: Sender, Receiver and Sending Financial Institution (Real-Time Payments)
A "Sender" is a Person that sends a payment through the Real-Time Payments Service and a "Receiver" is a Person that receives one. "Receiver Addressing Information" is addressing information for the Receiver, which may include the account number, routing number, phone number and/or email address, as applicable. "Sending Financial Institution" means Chase when you are the Sender, and means the financial institution that holds the Sender’s account when you are the Receiver.
Supporting quotations
Refers to a Person that sends a payment through the Real-Time Payments Service.
Refers to a Person that receives a payment through the Real-Time Payments Service.
Refers to addressing information of the Receiver, which may include the Receiver’s account number, routing number, phone number, and/or email address, as applicable.
Refers to us, when you are the Sender, and means the financial institution that holds the Sender’s account, when you are the Receiver.
Qualifications & exceptions
Receiver addressing details are listed with "may include", so other details can apply.
Charges & Financial Obligations · Context
Glossary: Send On Date, Transfer Date, To Account, Transfers and related terms
Unless the Agreement defines it differently, "Send On Date" is the date Chase begins the delivery process, or sends a request to withdraw funds from your External Account and begins delivery; it may or may not be the date funds leave your From Account. "Transfer Date" is the date Chase begins delivery for Internal or External Transfers, meaning the date the Transfer request is sent. "To Account" is the account to which funds are transferred as you request through any Service. "Transfers" means moving funds electronically from one account to another under an Instruction. "Repeating Bill Payments" are automatic recurring Bill Payments or Transfers to the same Payee or To Account for the same (or, for variable automatic bill payments, varying) amount that you can authorize. "Regional ACH" is the applicable automated clearing house, "Rules" means the rules of NACHA and any Regional ACH, and "Systems" means all software, hardware or other equipment you need to access and use the Digital Platforms and Services.
Supporting quotations
Unless otherwise defined in this Agreement, refers to the date we will begin the delivery process or the date we will send a request to withdraw funds from your External Account, and begin the delivery process. The Send On Date may or may not be the date funds are withdrawn from your From Account.
Refers to the date we will begin the delivery process for Transfers made via the Internal Transfer Service, or the External Transfer Service. For clarity, this is the date the Transfer request will be sent.
Refers to the account to which funds will be transferred as requested by you via any of the Services.
Refers to a transfer of funds pursuant to an Instruction to move funds electronically from one account to another.
Refers to automatic recurring Bill Payments or Transfers to the same Payee or To Account, respectively, for the same amount (or varying amount, in the case of variable automatic bill payments) which you can authorize for transmission.
Refers to the applicable automated clearing house.
Refers to the rules of NACHA and any Regional ACH.
Refers to all software, hardware or other equipment necessary for you to access and use the Digital Platforms and Services.
Qualifications & exceptions
Send On Date can differ from the date money leaves your account, and individual Addenda may define it differently.
Legal Rights & Agreement Rules · Context
Glossary: who "we" and "you" are
The Glossary says "we", "our" and "us" refer to JPMorgan Chase Bank, National Association and J.P. Morgan Securities LLC (as applicable). "You", "your", "them" and "user" refer to (i) an individual or entity that owns an account or is a party-in-interest to one (such as a grantor, beneficiary or co-trustee of a trust account), (ii) an individual authorized by an owner or party-in-interest to view account information and/or make transactions, or (iii) an individual with secure sign-on credentials to the Digital Platforms.
Supporting quotations
Refers to JPMorgan Chase Bank, National Association and J.P. Morgan Securities LLC (as applicable).
Refers to (i) an individual or entity that is the owner of an account or a party-in-interest to an account (such as a grantor, beneficiary or co- trustee of a trust account), (ii) an individual authorized by an account owner or a party-in-interest to view account information and/or effect transactions in an account, or (iii) an individual with secure sign-on credentials to the Digital Platforms.
Qualifications & exceptions
"We" depends on which entity is applicable to the product.
"You" covers authorized individuals and anyone with secure sign-on credentials, not only account owners.
Not stated here
The Glossary also defines "Chase" and "JPMC" more broadly (including affiliates, agents and assignees); the two definitions are used for different words in the Agreement.
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.
Legal Rights & Agreement Rules · Restriction or exception
Access and Security Manager: extra indemnity for administrators, agents and delays
In addition to the indemnities in the General Terms and Conditions, you agree to indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties from any Losses in connection with a third-party claim arising from: failure by you or your Account Administrator to follow the Agreement; the actions, omissions or commissions of you and your agents, including your Account Administrator and any Authorized User, relating to the Services; and any delay in carrying out your instructions to add, delete or change access rights of any Account Administrator or Authorized User until Chase has a commercially reasonable opportunity to act on notice given under the Agreement.
Supporting quotations
In addition to the indemnities set forth in the General Terms and Conditions, you shall indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless from and against any and all Losses in connection with any third party claim resulting or arising from:
(a) failure by you or your Account Administrator to abide by or perform any obligation imposed upon you or your Account Administrator under the Agreement; (b) the actions, omissions or commissions of you and your agents, including your Account Administrator and any Authorized User relating to the Services; (c) any delay in the execution of any of your instructions to add, delete or modify the access rights of any Account Administrator or any Authorized Users until we have a commercially reasonable opportunity to act upon any notice given in accordance with the terms of this Agreement.
Qualifications & exceptions
Limited to third-party claims.
Applies in addition to the General Terms and Conditions indemnity.
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".
Security & Safeguards · Permission or license
The Account Administrator can request and distribute your security codes and receive notices
You agree each Account Administrator may ask Chase to issue user IDs, Passwords or other security codes or devices for the Online Services; may receive, act on, use and pass on those credentials and related documents for others on your behalf; and may receive and act on all other notices, documents and correspondence from Chase about the Online Services, including changes or supplements to the Agreement.
Supporting quotations
You understand and agree that each Account Administrator is authorized to: (a) request us to issue user IDs, Passwords or any other security code or device to be used in connection with the Online Services; (b) receive, act upon, use and disseminate for use by others on your behalf all such user IDs, Passwords, codes or devices and all documents and correspondence assigning, confirming or otherwise containing same; and (c) receive and act upon all other notices, documents and correspondence from us respecting the Online Services including any changes or supplements to this Agreement.
Qualifications & exceptions
Applies to Business Accounts.
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 · Permission or license
Linked Consumer Accounts: Authorized Users can view and transact, and you ratify it
By giving an Authorized User access to your Consumer Accounts, you authorize that person to view and access the accounts, perform any transactions available on the Online Services for them, communicate with Chase about them and receive communications from Chase about them. You ratify all of those activities, whether or not within the authority you meant to grant. You are responsible, to the fullest extent allowed by law, for the security of user IDs and Passwords issued to any Authorized User for access to your Consumer Accounts and for transactions or information obtained with them. Chase has no liability to you, your representatives, heirs and assigns for allowing the Authorized Users access to Consumer Accounts that you, as Account Administrator, have linked.
Supporting quotations
You understand that by providing access by an Authorized User to your Consumer Accounts that you are authorizing such Authorized User to: (a) view and access such accounts; (b) perform any and all transactions available on the Online Services relative to such accounts; (c) communicate with us about such accounts; and (d) receive communications from us about such accounts. You hereby ratify and confirm any and all of the foregoing activities of any Authorized User on your Consumer Account, whether currently existing or in the future, and whether or not such activities are within the scope of authority you intended to grant such Authorized User. You are responsible for maintaining the security of any user IDs and Passwords issued to any Authorized User in conjunction with access to your Consumer Accounts, and for any financial transactions performed or information received using such user IDs and Passwords to the fullest extent allowed by law.
We shall have no liability to you, your representatives, heirs and assigns for allowing Authorized Users such access to your Consumer Accounts that you, as Account Administrator, have linked for the Online Services.
Qualifications & exceptions
This is Section 6, which applies only to Consumer Accounts.
Chase’s no-liability statement covers access by Authorized Users to Consumer Accounts that you linked as Account Administrator.
Account & Service Control · Restriction or exception
Linked Consumer Accounts: joint-account consent, removing access and successor administrators
If a linked Consumer Account is a joint account with another individual, you represent that you obtained that person’s permission before adding an Authorized User and you are responsible for all claims arising from failing to do so. You agree to tell Chase immediately of changes in Authorized Users’ authority; their access continues until you change their profile to prevent it. Before you withdraw or end your role as Account Administrator, it is your responsibility to remove Authorized Users’ access to your Consumer Accounts, and you are responsible for claims arising from failing to do so. Any later Account Administrator on a Business Account will have access to your linked Consumer Accounts, including all online history, until you ask Chase to remove those accounts and Chase has a commercially reasonable time to act.
Supporting quotations
You represent that if the Consumer Account is a joint account with another individual that you have obtained the permission of such individual to allow access by the Authorized User prior to adding such Authorized User and you are responsible for any and all claims arising from your failure to do so.
You understand and agree to advise us immediately of any changes in the authority of the Authorized Users to access your Consumer Accounts. Access to your Consumer Accounts via the Online Services by any Authorized Users you have designated shall continue until such time as you have changed the profile of such Authorized Users to prevent such access. It is your responsibility to remove access to your Consumer Accounts by any Authorized Users within the Online Services prior to withdrawing or terminating your position as Account Administrator and you are responsible for any and all claims arising from your failure to do so. You further understand and agree that any subsequent Account Administrator on a Business Account will have access to your Consumer Accounts that you may have linked for the Online Services (including any and all online history with respect to such Consumer Accounts) until you have requested us to remove such accounts and we have a commercially reasonable time to act upon such request.
Qualifications & exceptions
A later Business Account administrator can see your linked Consumer Accounts until you ask for removal and Chase has a commercially reasonable time to act.
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.
Security & Safeguards · Procedure
IP Security is a recommended step that blocks unregistered IP addresses, including cellular connections
"IP Security" is an administrative procedure Chase recommends you activate for each Authorized User, in which the Account Administrator registers and maintains a current list of Internet Protocol (IP) addresses used by Authorized Users. Chase uses the registration to help block access to the Service from unregistered IP addresses. If you adopt IP Security, access by mobile device is allowed only through a registered IP address, and connections over a cellular network (for example 4G) are blocked.
Supporting quotations
“IP Security” means an administrative procedure which we recommend that you activate and use with respect to each Authorized User that involves the Account Administrator registering and maintaining a current registration of all Internet Protocol
(IP) addresses used by Authorized Users. This registration will be used for the purpose of assisting us in blocking access to the Service from unregistered IP addresses. Adoption of IP Security will only allow access to the Service via a mobile device if it is connecting via a registered IP address; connections via a cellular network (e.g., 4G network) will be blocked.
Qualifications & exceptions
Recommended, not stated as required.
Cellular network connections are blocked once IP Security is adopted.
Data Access & Collection · Company practice
Account Aggregation: a free service that pulls your data from other institutions
This Addendum, last updated 12/10/2023, applies in addition to your existing J.P. Morgan Chase account agreements. It covers a complimentary, informational Aggregation Service that lets you retrieve financial account information from accounts at other financial institutions ("Linked Accounts"), such as balances, transaction history, holdings, account and routing numbers, and account ownership information ("Aggregated Data"). Linking an external account may be done by Chase directly or by a third-party service provider Chase engages (the "Aggregation Vendor").
Supporting quotations
Last updated: 12/10/2023
This Addendum, in addition to the terms and conditions in your existing J.P. Morgan Chase account agreements, governs your use of the Aggregation Service.
We offer an informational and complimentary service (“Aggregation Service”) that allows you to retrieve your financial account information, such as balances, transaction history, holdings, and account and routing number, and account ownership information (“Aggregated Data”), from accounts with other financial institutions (“Linked Accounts”). Linking an external account may be done directly by us, or by a third party service provider engaged by us (“Aggregation Vendor”).
Qualifications & exceptions
The data types are introduced by "such as", so the list is not exhaustive.
Linking can be done by Chase or by an Aggregation Vendor.
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.
Use & Processing · Permission or license
You can use Aggregated Data for services you choose; Chase uses it to provide them
You can use your Aggregated Data for services that include, but are not limited to, showing your consolidated financial picture, verifying account ownership, verifying income or assets for underwriting, and customized reports and insights. Depending on the services you choose, Chase may obtain different types of data from your Linked Accounts. By using the service you agree Chase may use Aggregated Data for all purposes necessary and appropriate to provide the products and services you have enrolled in.
Supporting quotations
You can use your Aggregated Data for services which include, but are not limited to, the display of your consolidated financial picture, verification of your ownership of accounts, verification of income or assets for underwriting, and customized reports and insights. Depending on the services you choose to use, we may obtain different types of data from your Linked Accounts.
By using the Aggregation Service, you agree that we may use Aggregated Data for all purposes necessary and appropriate to provide you with the products and services you have enrolled in.
Qualifications & exceptions
The examples of uses are introduced by "include, but are not limited to".
Chase’s use here is tied to the products and services you enrolled in.
Use & Processing · Permission or license
Chase may also use Aggregated Data to improve services and market other products, and use de-identified data freely
In addition, Chase may use Aggregated Data to help optimize your use of the Aggregation Service, to understand what other tools, features or functionality may benefit you, and to develop, offer and provide you with other products or services. Chase may use Aggregated Data that does not identify you individually, by name or any other means of personal identification, for its own business purposes without notice to you or your consent, without any time limit and without paying any fees.
Supporting quotations
In addition, we may use Aggregated Data to: help optimize your use of the Aggregation Service; understand what other of our tools, features, or functionality may be beneficial to you; and develop, offer, and provide you with other products or services. We may use Aggregated Data that does not identify you individually, whether by name or by any other means of personal identification, for our own business purposes without notice to, or consent of, you, without any particular time limit and without the payment of any fees.
Qualifications & exceptions
The unrestricted own-business use applies only to Aggregated Data that does not identify you individually.
No time limit and no fees apply to that use.
Not stated here
The Addendum does not describe how the data is de-identified.
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.
Linking & Identification · Permission or license
You give Chase and its vendor a limited power of attorney to access your Linked Accounts
To provide the service, you authorize Chase and the Aggregation Vendor to provide authorizations on your behalf with a Linked Account, to the extent you do not do so directly, and to request Aggregated Data under those authorizations. You grant Chase and the Aggregation Vendor a limited power of attorney and appoint each as your lawful attorney-in-fact and agent, able to act independently or jointly, to access Linked Accounts and retrieve information on your behalf. You grant Chase the ability to use this information in your name and place, in any and all capacities, as fully as you could in person.
Supporting quotations
In order to enable us to provide the Aggregation Service, you authorize us and Aggregation Vendor to provide authorizations on your behalf with a Linked Account to the extent you do not do so directly and request Aggregated Data pursuant to those authorizations.
You grant us and Aggregation Vendor a limited power of attorney and appoint us and Aggregation Vendor as your lawful attorneys‐in‐fact and agents, each with authority to act independently or jointly, to access Linked Accounts to retrieve information on your behalf. You grant us the ability to use this information in your name and in your place, in any and all capacities, as fully to all intents and purposes as you might or could do in person.
Qualifications & exceptions
The power of attorney is described as limited and is for accessing Linked Accounts to retrieve information.
Chase and the vendor may each act independently or jointly.
Linking & Identification · Context
Chase and its vendor act as your agent, not the other institution’s
You acknowledge that when Chase or the Aggregation Vendor provides authorizations to, and requests information from, Linked Accounts, it acts as your agent and not as the agent of the institution that holds the Linked Account. You agree each Linked Account may rely on the authorizations, agency appointment and limited power of attorney you gave to Chase and the vendor. The Aggregation Service is not sponsored or endorsed by any third party.
Supporting quotations
YOU UNDERSTAND, ACKNOWLEDGE, AND AGREE THAT WHEN WE OR AGGREGATION VENDOR IS PROVIDING SUCH AUTHORIZATIONS, AND REQUESTING INFORMATION FROM, LINKED ACCOUNTS, WE OR AGGREGATION VENDOR, AS APPLICABLE, IS ACTING AS YOUR AGENT AND NOT THE AGENT OF OR ON BEHALF OF THE INSTITUTION HOLDING THE LINKED ACCOUNT. You agree that each Linked Account shall be entitled to rely on the foregoing authorizations, agency appointment, and limited power-of-attorney granted by you to us and Aggregation Vendor for all purposes hereunder. The Aggregation Service is not sponsored or endorsed by any third-party.
Qualifications & exceptions
The source states the agency acknowledgement in capital letters.
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.
Charges & Financial Obligations · Restriction or exception
Aggregation data is "as is", not for trading, and Chase gives no advice
The Aggregation Service is provided "as is" and "as available" for information only, as a convenience, and is not meant to replace official records and statements about your assets and accounts. You should not rely on it for trading or transactions and should always verify the accuracy of Aggregated Data. The information is effective as of the most recent Aggregated Data transmitted from your Linked Accounts and may be inaccurate if a transmission did not complete or the Linked Account’s information is inaccurate or out of date. Chase relies on the information you provide about your Linked Accounts without further verification. In providing the service or with respect to Linked Accounts, Chase is not acting as your administrative or investment fiduciary, giving legal, tax or financial advice, or providing any financial service.
Supporting quotations
The Aggregation Service is provided “as is” and “as available” for informational purposes only as a convenience to you, and is not intended to replace official records and statements regarding your assets and accounts. You should not rely on this information for trading or transactional purposes, and should always verify the accuracy of Aggregated Data. Information will be effective as of the most recent Aggregated Data transmitted from your Linked Accounts and may not be accurate if that transmission was not successfully completed or the information from the Linked Account is otherwise not accurate or current, and we will rely on the information you provide regarding your Linked Accounts, without further verification or validation. We are not acting as your administrative or investment fiduciary, giving legal, tax, or financial advice, or otherwise providing any financial service in providing the Aggregation Service or with respect to Linked Accounts.
Legal Rights & Agreement Rules · Restriction or exception
Aggregation Service warranty disclaimer
Chase expressly disclaims all express or implied warranties for the Aggregation Service and everything provided in connection with it, including implied warranties of merchantability, fitness for a particular purpose, functionality, title and non-infringement, and warranties implied by course of dealing, performance or trade usage. The disclaimers apply despite anything to the contrary in the Addendum, but subject to applicable law that does not allow certain warranties to be excluded.
Supporting quotations
We expressly disclaim all warranties of any kind as to the Aggregation Service and all information, products, services, and content provided in connection with the Aggregation Service, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, functionality, title, and non-infringement, and any warranties implied by any course of dealing, course of performance, or usage of trade, and specifically disclaims any and all implied warranties. The foregoing warranty disclaimers will apply to you notwithstanding anything to the contrary in this Addendum but subject to applicable law that does not allow the exclusion of certain warranties.
Qualifications & exceptions
Subject to applicable law that does not allow the exclusion of certain warranties.
Legal Rights & Agreement Rules · Restriction or exception
Aggregation Service: Chase and its vendors are not liable for a long list of losses
To the maximum extent permitted by law, you agree that Chase, its third-party service providers (including the Aggregation Vendor), their directors, officers, employees, representatives, agents, third-party financial institutions, subcontractors and affiliates (the "Service Parties") are not liable to you or any third party for any damages, claims or losses, direct or indirect, including lost profits, goodwill, use or data, whatever the legal theory and even if advised of the possibility. The list of covered causes includes use or inability to use the service, third-party financial institution websites, unauthorized access to or alteration of customer data, errors or delays in Aggregated Data and actions taken in reliance on it, acts or omissions of Chase or the Aggregation Vendor, theft, misuse, loss or unauthorized release of Aggregated Data, charges by account custodians, trading losses, loss of privacy, and events beyond a person’s reasonable control. The source says these exclusions are fundamental to the bargain and that Chase could not provide the service without them.
Supporting quotations
TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT NEITHER WE NOR ANY OF OUR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS (INCLUDING AGGREGATION VENDOR), DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, THIRD PARTY FINANCIAL INSTITUTIONS AND SUBCONTRACTORS OR ANY OF THEIR RESPECTIVE AFFILIATES (COLLECTIVELY, “SERVICE PARTIES”) WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES, CLAIMS, OR LOSSES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, HOWSOEVER CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE, AND EVEN IF WE OR OUR SUBCONTRACTORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, CLAIMS, OR LOSSES AND/OR A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, WHICH ARE INCURRED AS A RESULT OF: (A) THE USE OR INABILITY TO USE THE AGGREGATION SERVICE, CONTENT OR ANY OTHER MATTER RELATING TO THE AGGREGATION SERVICE; (B) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH, FROM OR BASED ON THE AGGREGATION SERVICE; (C) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON- PERFORMANCE OF ANY THIRD PARTY FINANCIAL INSTITUTION WEBSITE; (D) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES, INCLUDING THOSE RESULTING FROM ANY PRODUCTS, INFORMATION, CONTENT, OR SERVICES PURCHASED OR OBTAINED OR TRANSACTIONS ENTERED INTO, THROUGH, FROM OR BASED ON THE AGGREGATION SERVICE; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF CUSTOMER DATA OR CONTENT TRANSMITTED THROUGH THE AGGREGATION SERVICE; (F) ANY INACCURACY, INCOMPLETENESS, OR MISINFORMATION CONTAINED IN THE INFORMATION PROVIDED BY YOU TO THE AGGREGATION SERVICE; (G) STATEMENTS OR CONDUCT OF ANYONE CONCERNING THE AGGREGATION SERVICE; (H) THE AGGREGATION SERVICE’S RECEIPT OR INABILITY TO RECEIVE CUSTOMER DATA FROM ANY CONNECTED ACCOUNT; (I) ANY ACT, OMISSION, PERFORMANCE, OR NON-PERFORMANCE OF US OR AGGREGATION VENDOR; (J) ANY MODIFICATION, INTERRUPTION, OR DISCONTINUATION OF THE AGGREGATION SERVICE;
(K) ERRORS, INACCURACIES, OR DELAYS IN AGGREGATED DATA, OR ANY ACTIONS TAKEN IN RELIANCE THEREON; (L) DELAY, INTERRUPTION, OR FAILURE TO PERFORM ANY OBLIGATIONS HEREUNDER DUE TO CIRCUMSTANCES BEYOND THAT PERSON’S REASONABLE CONTROL (INCLUDING ACTS OF GOD, STRIKES, RIOTS, ACTS OF WAR, POWER OUTAGES, COMPUTER VIRUSES, MAINTENANCE ACTIVITIES, SYSTEM OR TELECOMMUNICATION FAILURES, FIRES, FLOODS, EARTHQUAKES, EXTREME WEATHER, OR CHANGES IN GOVERNMENTAL REGULATIONS); (M) THEFT, MISUSE, CORRUPTION, CONTAMINATION, LOSS, OR UNAUTHORIZED RELEASE OR RECEIPT OF AGGREGATED DATA; (N) ANY CHARGES IMPOSED BY CUSTODIANS OF LINKED ACCOUNTS; (O) DELIVERY FAILURES FOR NOTICES TO YOU; (P) ANY TRADING LOSSES, LOSS OF PROFITS, GOODWILL, USE, DATA, BUSINESS INTERRUPTION, LOSS OF PRIVACY, OR OTHER LOSSES OR DAMAGES OF ANY KIND ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE AGGREGATION SERVICE; OR (Q) ANY OTHER MATTER ARISING FROM OR RELATED TO THE AGGREGATION SERVICE OR YOUR USE OF REPORTS GENERATED USING AGGREGATED DATA.
Qualifications & exceptions
Applies to the maximum extent permitted by law.
The exclusion covers both direct and indirect damages, subject to the dollar cap in the next card.
Charges & Financial Obligations · Restriction or exception
Aggregation Service: direct damages capped at $1.00
Despite the exclusions, the Addendum says Chase will in no event be liable to you for direct damages it causes in excess of $1.00, and that you agree to this limited remedy and that it survives a failure of its essential purpose.
Supporting quotations
HOWEVER, IN NO EVENT WILL WE BE LIABLE TO YOU FOR DIRECT DAMAGES CAUSED BY US IN EXCESS OF $1.00; THIS LIMITED REMEDY IS AGREED TO BY YOU AND SURVIVES A FAILURE OF ITS ESSENTIAL PURPOSE.
Qualifications & exceptions
The cap is on direct damages caused by Chase.
The cap applies to the Aggregation Service Addendum.
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.
Charges & Financial Obligations · Restriction or exception
ACH Collections: obtain Payor authorizations, no international ACH, accurate Instructions
You agree to obtain all authorizations required by applicable law and the NACHA Rules to originate Debit Entries to the Payor’s account, and to give Chase copies within the requested time if asked. You agree not to use the service for International ACH Transactions, which the Agreement prohibits. You also agree to take all appropriate measures to make sure the Instructions you submit are accurate (the Addendum repeats this sentence in a later paragraph).
Supporting quotations
You agree that you will obtain all authorizations necessary under applicable law and the NACHA Rules to originate Debit Entries to the Payor's account via the ACH Collections Service. You also agree to give us copies of the authorizations within the time period requested if we ask for them. You agree that you will not use this service for International ACH Transactions, which are prohibited under this Agreement. You further agree to take all appropriate measures to ensure the accuracy of the Instructions you submit.
You further agree to take all appropriate measures to ensure the accuracy of the Instructions you submit.
Qualifications & exceptions
Authorizations must satisfy both applicable law and the NACHA Rules.
Charges & Financial Obligations · Procedure
ACH Collections: repeating collections move to the preceding Business Day when dates fall on non-Business Days
For Repeating ACH Collections, if the Send On date falls on a non-Business Day, it moves to the immediately preceding Business Day while the Deliver By date stays the same. If the Deliver By date falls on a non-Business Day, both the Send On date and the Deliver By date move to the immediately preceding Business Day. The Addendum states this rule twice, once with "Deliver By" and once with "ACH Deliver By Date".
Supporting quotations
If you schedule Repeating ACH Collections and the Send On date falls on a non-Business Day, the Send On date (i.e., the day the ACH Collection will begin processing) will be moved to the immediately preceding Business Day but the Deliver By date of the ACH Collection will remain unchanged. If the Deliver By date of a Repeating ACH Collection falls on a non-Business Day, both the Send On date and the Deliver By date will be moved to the immediately preceding Business Day.
If you schedule Repeating ACH Collections and the Send On Date falls on a non- Business Day, the Send On Date (i.e., the day the ACH Collection will begin processing) will be moved to the immediately preceding Business Day but the ACH Deliver By Date of the ACH Collection will remain unchanged. If the ACH Deliver By Date of a Repeating ACH Collection falls on a non-Business Day, both the Send On Date and the ACH Deliver By Date will be moved to the immediately preceding Business Day.
Qualifications & exceptions
Applies to Repeating ACH Collections only.
Charges & Financial Obligations · Procedure
ACH Collections: requirements, Payor information and authority to originate debits
To use the service you must keep a checking account with Chase and designate one eligible checking account as your Primary Account for recurring monthly service fees; you may name any eligible checking accounts as Deposit To accounts. You agree to use the service only for collections from Payors located within the United States, subject to Chase’s approval, and only for lawful purposes. You must provide enough online information to identify each Payor (including whether an individual or a business), direct your collection and let the Payor identify you as the originator of the Debit Entry, and complete required fields accurately. By giving Payor names and account information you authorize Chase to follow the Instructions it receives, and to update or change Payor information as requested or provided by the Payor. When Chase receives a collection Instruction in your name, it originates a Debit Entry to the Payor’s account on your behalf. Collections (other than repeating ones) initiated on a non-Business Day or after the Cutoff Time get a Send On Date of the next Business Day.
Supporting quotations
Description of Services: To use the ACH Collections Service you must maintain a checking account with us and designate one of your eligible checking accounts with us as your Primary Account for the Collection of recurring monthly service fees. You may designate any of your eligible checking accounts with us as your Deposit To accounts for any of your ACH Collections. You agree to use the ACH Collections Service only for collections from Payors located within the United States, subject to our approval, and you agree to use the ACH Collections Service only to issue Instructions for lawful purposes. To use the ACH Collections Service you must provide sufficient information online to us to properly identify your Payor(s)
(including whether a Payor is an individual or a business), direct your collection and permit the Payor to identify you as the originator of the Debit Entry to the Payor’s account. You must complete all required fields with accurate information, as directed by the ACH Collections Service screen messages. By providing us with the names and account information of those Payors to whom you wish us to collect funds, you authorize us to follow the Instructions that we receive through the ACH Collections Service. You further authorize us to update or change any of your Payor information as requested or provided by your Payor. When we receive a collection Instruction in your name (either Current Day or Future Dated), we will originate a Debit Entry to the Payor’s account on your behalf. All ACH Collections (other than Repeating ACH Collections) that are initiated on any non-Business Day or after the Cutoff Time on any Business Day, will reflect a Send On Date of the next Business Day.
Qualifications & exceptions
Payors must be located in the United States, subject to Chase’s approval.
Repeating collections are excluded from the next-Business-Day rule.
Charges & Financial Obligations · Restriction or exception
ACH Collections: cancel before cutoff, no amendments, limits and related Addenda apply
You can cancel a Pending Collection no later than the Cutoff Time on the Send On Date, and you cannot stop or cancel a collection after the Cutoff Time. You cannot amend or modify Instructions or Pending Collections once scheduled. You can request Current Day, Future Dated and Repeating ACH Collections from your Payor. Chase may from time to time set minimum and maximum transaction and daily dollar limits on ACH Collections, in its discretion. The Bill Payment Service and Transfers Service Addenda apply equally to ACH Collections as if restated here, unless the context clearly indicates otherwise.
Supporting quotations
Canceling Collections: You may cancel any Pending Collection via the ACH Collections Service if you do so no later than the Cutoff Time, on the Send On Date. You may not stop or cancel a Collection after the Cutoff Time has passed. You may not amend or modify Instructions or Pending Collections once they have been scheduled.
You may utilize the ACH Collections Service to make requests for the collection of your Current Day and Future Dated ACH Collections, and Repeating ACH Collections from your Payor. We may, from time to time, establish minimum and maximum transactional and daily dollar limits on ACH Collections that may be initiated via the Services which we may impose in our discretion and at our option. The Bill Payment Service and Transfers Service Addenda shall apply equally to ACH Collections issued hereunder, as if those terms were restated herein, unless the context clearly indicates otherwise.
Qualifications & exceptions
Cancellation deadline is the Cutoff Time on the Send On Date.
The Bill Payment and Transfers Addenda apply unless the context clearly indicates otherwise.
Not stated here
Dollar limits are not stated here; Chase may impose them.
Charges & Financial Obligations · Company practice
ACH Collections fees: $25 monthly, $0.25 extra per collection, $2.50 reversals and returns
For a J.P. Morgan Private Bank account, fees follow the applicable fee schedule. For all other accounts, Chase charges a recurring monthly service fee of $25.00, which covers 25 ACH Collections per month, plus $0.25 for each collection above 25 in a month. An additional $2.50 is charged each time a collection reversal is requested, and $2.50 each time an item is returned by the Payor’s bank for any reason ($3.00 for Chase Analysis Business Checking and Chase Analysis Business Checking with Interest accounts). The charges are assessed to the account you designated as the Primary Account. Chase reserves the right, from time to time and upon notice, to add, delete or modify charges.
Supporting quotations
For information about what fees may apply to the ACH Collections Service for your J.P. Morgan Private Bank account, you should refer to the applicable fee schedule as in effect from time to time for such account. For all other accounts, the following fees will be charged for the ACH Collections Service, beginning in the month in which the Service is established. A recurring monthly service fee of $25.00 will be charged for the ACH Collections Service. This $25.00 fee will cover twenty-five (25) ACH Collections per month; a fee of $0.25 will be charged for each ACH Collection in excess of twenty-five (25) in any given month. The recurring monthly service fee will be assessed to the account designated by you as the “Primary Account” for the ACH Collections Service. Upon each occurrence of a collection reversal request, an additional fee of $2.50 will be charged. Additionally, a fee of $2.50 will be charged for each time an item is returned for any reason by the Payor’s bank (unless the account is a Chase Analysis Business Checking account or Chase Analysis Business Checking with Interest account, at which time a fee of $3.00 will be charged). The foregoing charges will be assessed to the account designated by you as the “Primary Account” for the ACH Collections Service. J.P. Morgan Chase reserves the right, from time to time upon notice to you to add, delete or modify charges.
Qualifications & exceptions
Private Bank accounts follow their own fee schedule.
Fee changes are "upon notice to you".
The returned-item fee is $3.00 for the two Chase Analysis Business Checking account types.
Charges & Financial Obligations · Procedure
ACH Collections: 7:00 p.m. ET cutoff, delivery date and when funds become available
Transmissions to Chase must be completed by its Cutoff Times for processing to start the same Business Day; later ones are processed the next Business Day. The current Cutoff Time for an ACH Collection is 7:00 p.m. ET. Funds from Current Day Collections made before the cutoff are added to the Deposit To account balance on the ACH Deliver By Date (at least one Business Day after the Send On Date) and become available three Business Days after that date, in each case subject to the Payor’s bank returning or reversing the Debit Entries. Repeating ACH Collections follow the same credit-and-availability timing. A returned or reversed collection is charged to the Deposit To account as provided in a cited section. Chase may at any time delay availability of funds from a Debit Entry until it can no longer be reversed under the Rules.
Supporting quotations
All transmissions to J.P. Morgan Chase must be completed by J.P. Morgan Chase’s established Cutoff Times in order for processing to commence on the same Business Day. Any transmission completed and received by J.P. Morgan Chase after such Cutoff Times will be processed by J.P. Morgan Chase on the following Business Day. The current Cutoff Time for making an ACH Collection is 7:00 p.m. ET. Funds due from Current Day Collections made before the Cutoff Time will be added to the balance in your Deposit To account on the ACH Deliver By Date (i.e., at least one (1) Business Day after the Send On Date) subject to the return or reversal of the Debit Entries by the Payor’s bank. Those funds will become available three (3) Business Days after the ACH Deliver By Date, subject to the return or reversal of the Debit Entries by the Payor’s bank. Repeating ACH Collections will be credited to your Deposit To account on the ACH Deliver By Date for the particular Repeating ACH Collection (i.e., at least one (1) Business Day after the Send On Date for that Repeating Collection). Those funds will become available three (3) Business Days after the ACH Deliver By Date, subject to the return or reversal of the Debit Entries by the Payor’s bank. The Send On Date will be adjusted to the immediately preceding Business Day for any Repeating ACH Collection which is scheduled for Collection on a non-Business Day. Any ACH Collection that is returned or reversed by the Payor’s bank will be charged to the Deposit To account as provided in Section 9 of this Addendum.
J.P. Morgan Chase reserves the right at any time to delay the availability of funds transferred into the Deposit To account by Debit Entry until such time as such Debit(s) cannot be reversed in accordance with the Rules.
Qualifications & exceptions
Credit and availability are subject to return or reversal by the Payor’s bank.
Chase can delay availability until the debit can no longer be reversed under the Rules.
Not stated here
The charge-back is said to be "as provided in Section 9 of this Addendum"; the charge-back text appears under Section 10 (Rejections; Returns), and Section 9 is titled Processing; Transmittal.
Charges & Financial Obligations · Restriction or exception
ACH Collections: duplicate entries are processed and Chase can set exposure limits
Duplicate ACH Collections entered for the same amount, Payor name and ACH Deliver By Date are processed and released for collection, not blocked. Chase may from time to time set or change maximum dollar limits on the total value of all outstanding Debit Entries it will release on your behalf, and these limits can be revised or cancelled at any time without prior notice.
Supporting quotations
Duplicate ACH Collections entered for the same amount, Payor name and ACH Deliver By Date will be processed and released for Collection.
J.P. Morgan Chase may from time to time establish or revise maximum dollar limits for the aggregate value of all outstanding Debit Entries that J.P. Morgan Chase will release on your behalf. Such limits will be subject to revision or cancellation by J.P. Morgan Chase at any time without prior notice.
Qualifications & exceptions
Limits can change without prior notice.
Charges & Financial Obligations · Restriction or exception
ACH Collections go over the ACH network and are governed by the Rules
ACH Collections are sent over the ACH network and are allowed only to Payors with accounts at ACH member banks. Chase notifies you through a message on the Digital Platforms or by email only if there is a problem or error with the information you originally sent. Your Instructions and Chase’s processing and release of them to the ACH system follow the Agreement and the Rules, and the relationship between you and Chase for ACH Entries originated in your name is governed by the Rules as in effect from time to time, unless the Agreement or other agreements you have with Chase say otherwise. Undefined capitalized terms in the cited sections take the meanings in the Rules.
Supporting quotations
ACH Collections are transmitted via the ACH network. ACH Collections are allowed only to Payors with accounts at ACH member banks. You will be notified via a message on our Digital Platforms or email only if there is a problem or an error with the information you originally transmitted.
Your issuance of Instructions and our processing and release of such Instructions to the ACH system shall be pursuant to the terms of this Agreement and the Rules. Undefined capitalized terms used in this Section 7 and in Sections 9-12 of this Addendum which are defined in the Rules shall have the meanings ascribed to those terms in the Rules.
The relationship between us and you with respect to ACH Entries we originate in your name based on your Instructions, shall be governed by the terms of the applicable Rules, except as otherwise provided in this Agreement or other agreements you have with us. We and you shall be bound by the Rules as in effect from time to time.
Qualifications & exceptions
Notification occurs only if there is a problem or an error.
The Rules govern except as the Agreement or other agreements provide.
Not stated here
The sentence on undefined terms refers to "this Section 7" although it sits under Section 8, ACH Rules.
Charges & Financial Obligations · Procedure
ACH Collections: processing route, rejections and chargebacks
For Debit Entries to accounts of Receivers at JPMC ("On-Us Entries"), JPMC debits those accounts on its own books. For Entries intended for Receivers at other receiving banks (RDFIs), JPMC sends them to the applicable Regional ACH for onward transmittal. Chase notifies you of Instructions it rejects and of Debit Entries rejected or returned by the RDFI, and you are responsible for correcting and re-submitting proper Instructions. If a Debit Entry is returned or reversed for any reason after Chase credited your Deposit To account, or if final settlement is not received, Chase will charge the amount back to the Deposit To account or claim a refund from you.
Supporting quotations
In processing and transmitting Debit Entries to accounts of Receivers at JPMC (“On-Us Entries”), JPMC shall debit the accounts of Receivers on its books. In processing and transmitting Entries intended for the accounts of Receivers at RDFIs, JPMC shall process and transmit such Entries to the applicable Regional ACH for processing and ultimate transmittal to RDFIs.
We shall notify you of any Instructions which we reject or of any Debit Entries which are rejected or returned by the RDFI. You shall be responsible for any correction and re-submission to us of appropriate Instructions. If a Debit Entry is returned or reversed for any reason after we have credited the Deposit To account therefore or if final settlement for a Debit Entry is not received by us for any reason, we will charge back the amount of such Debit Entry to the Deposit To account or claim a refund from you.
Qualifications & exceptions
Charge-back applies when a Debit Entry is returned or reversed after crediting, or final settlement is not received.
Charges & Financial Obligations · Procedure
ACH Collections reversals: call within five Business Days; no guarantee the other bank honors it
Reversal requests can be started only by calling Chase within five Business Days of the transaction settlement date, which is generally the same day as the ACH Deliver By Date. Requests received after that period will not be honored. Chase accepts reversal requests on the express understanding that it does not guarantee the receiving bank (RDFI) will honor them, and reversal requests and activity will not show on your Services status report.
Supporting quotations
Reversal requests can be initiated only by calling us at 877-CHASEPC (877-242-7372) within five (5) Business Days of the transaction settlement date. The transaction settlement date is generally the same day as the ACH Deliver By Date. Reversal requests received after the expiration of such period will not be honored. Reversal requests are accepted under the express understanding that J.P. Morgan Chase does not guarantee that the request will be honored by the RDFI. Reversal requests, reversals that have been processed and other reversal activity will not be reflected on your Services status report.
Qualifications & exceptions
Phone only; five Business Days from settlement.
No guarantee the RDFI honors the request.
Charges & Financial Obligations · Restriction or exception
ACH Collections: Chase may rely on account numbers, and you bear name-and-number mismatches
In processing Instructions and Entries issued in your name, Chase may rely on the identifying number (such as a bank routing number or Payor account number) of any bank or Payor named in the Instructions. The receiving bank may debit the Payor’s account based on an account number even if it identifies a different person. You take full responsibility for any inconsistency between the name and identifying number of any bank or Payor in your Instructions and the resulting Entries.
Supporting quotations
In processing and transmitting Instructions and Entries issued in your name, J.P. Morgan Chase may rely upon the identifying number (e.g., bank routing number or Payor account number) of any bank or Payor identified in the Instructions. The RDFI may debit the account of the Payor on the basis of an account number, even if it identifies a person different from the Payor. You assume full responsibility for any inconsistency between name and identifying number of any bank or Payor in Instructions issued in your name and in any Entries processed and transmitted by J.P. Morgan Chase therefrom.
Legal Rights & Agreement Rules · Restriction or exception
ACH Collections: you give the Rules warranties and indemnify for reversals and debits sent on your Instructions
You must obtain all authorizations needed for Chase to perform the service by Debit Entries and give copies on request. Except as stated, you are deemed to make to Chase the same warranties that Chase is deemed to make under the Rules, and Chase has no responsibility for matters you warrant; for On-Us Entries these apply as of the time Chase first processes them. You are not deemed to warrant Chase’s power under law to comply with the Rules or the conformity of Debit Entries to the Rules’ file specifications. You warrant that each Debit Entry you originate complies with all applicable U.S. laws and regulations. Beyond the General Terms indemnity, you indemnify Chase’s indemnified parties and the RDFI, as applicable, against Losses from third-party claims arising from Chase and the RDFI complying with reversal requests or reversing Entries, or from Chase sending Debit Entries in line with Instructions issued in your name.
Supporting quotations
You shall obtain all authorizations necessary to enable J.P. Morgan Chase to perform the ACH Collections Service by Debit Entries and, if requested, shall furnish J.P. Morgan Chase with copies of such authorizations within the specified time period provided. Except as specified below, you shall be deemed to make the same warranties to J.P. Morgan Chase as J.P. Morgan Chase is deemed to make under the Rules, and J.P. Morgan Chase shall have no responsibility with respect to matters so warranted by you. In the case of On-Us Entries, such warranties shall be deemed to apply as of the time J.P. Morgan Chase first processes such On-Us Entries. You shall not be deemed to warrant, however: (a) the power of J.P. Morgan Chase under applicable law to comply with the requirements of the Rules; or (b) the conformity of Debit Entries transmitted by J.P. Morgan Chase to the file specifications contained in the Rules. You further represent, warrant and acknowledge that each Debit Entry you originate shall comply with all applicable U.S. laws and regulations.
In addition to the indemnities set forth in the General Terms and Conditions, you also agree to indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, harmless from and against any and all Losses in connection with any third party claim resulting or arising from: (a) compliance by us and the RDFI with reversing requests or reversing Entries; or (b) the transmittal by J.P. Morgan Chase of Debit Entries in accordance with Instructions issued in your name.
Qualifications & exceptions
Two warranties are excluded: Chase’s power under law to comply with the Rules and conformity to Rules file specifications.
The indemnity covers third-party claims.
Charges & Financial Obligations · Procedure
Cancelling ACH Collections: phone call, fees may continue for two months, no refund
You can cancel the ACH Collections Service by calling the number given (option 3), and Chase may also require your request in writing. After you cancel you can no longer use any of its features. Fees for the service continue to apply for up to two months after you cancel and you will not receive a refund of any fees. Cancellation does not affect your other Services or account relationships with Chase.
Supporting quotations
You can cancel the ACH Collections Service by calling 877-CHASEPC (877-242-7372), option 3. When you call us, we may also require you to put your request in writing. When you cancel the ACH Collections Service, you will no longer be able to access any of your ACH Collections Service features. Fees applicable to the ACH Collections Service will continue to apply for up to two months after you cancel the ACH Collections Service. You will not receive a refund of any fees if your ACH Collections Service is cancelled. When you cancel the ACH Collections Service, such cancellation will have no impact on the other Services or account relationships, if any, with us.
Qualifications & exceptions
Fees continue for up to two months after cancellation.
No fee refunds.
Charges & Financial Obligations · Context
ACH Collections definitions: Deliver By Date, Cutoff Time, In Process, Payor and repeating collections
In this Addendum, "ACH" is the network used to route ACH Collections to Payor accounts for enrolled business customers, and an "ACH Collection" is a debit entry (sent via ACH or internally) taking money from the Payor’s account to a Deposit To account, available only to enrolled business customers. The "ACH Deliver By Date" is when collected funds are credited to the Deposit To account, with funds available three Business Days after the Deliver By Date, and is always at least one Business Day after the Send On Date. "Cutoff Time" is 7:00 p.m. ET on any Business Day. A "Debit Entry" is an electronic debit to a Payor’s account; a "Deposit To account" is the deposit account you keep with Chase to receive funds; "In Process" means a collection is no longer Pending and cannot be changed or Cancelled; a "Payor" has authorized you to initiate a Debit Entry; a "Repeating ACH Collection" is automatic recurring collection from the same Payor for the same amount, which you can set up to 365 days in advance; and "Send On Date" is the Business Day you choose for processing to begin.
Supporting quotations
“ACH” refers to the Automated Clearing House network, which is used for business customers enrolled in the ACH Collections Service, to route ACH Collections to Payor accounts.
“ACH Collection” refers to a debit entry sent via the ACH or internally (if the Payor’s account is maintained at J.P. Morgan Chase) for the transfer of money from the Payor’s account to a Deposit To account, available only to business customers enrolled in the ACH Collections Service.
“ACH Deliver By Date” refers to the date by which funds collected through an ACH Collection will be credited to the Deposit To account; funds will be made available three
(3) Business Days after the Deliver By Date. An ACH Deliver By Date is always at least one (1) Business Day after the Send On Date.
“Cutoff Time” refers to 7:00 p.m. ET on any Business Day
“Debit Entry” refers to an electronic debit
“Deposit To account” refers to the deposit account
“In Process” refers to that an ACH Collection is no longer
“Payor” refers to a person or entity that has authorized you
“Repeating ACH Collection” refers to automatic recurring ACH Collections from the same Payor for the same Collection amount, which you can establish up to 365 days in advance.
“Send On Date” refers to the Business Day of your choice
Qualifications & exceptions
Funds availability is stated as three Business Days after the Deliver By Date.
Charges & Financial Obligations · Context
ACH Collections: Transaction Number confirms Chase received your Instructions
A "Transaction Number" is the number Chase sends in response to your Instructions to confirm that Chase received them. The definition says it confirms receipt of the Instructions, not that the collection was processed or completed.
Supporting quotations
“Transaction Number” refers to the number that we send in response to your Instructions to confirm that your Instructions have been received by us.
Qualifications & exceptions
The definition describes confirmation of receipt only.
Charges & Financial Obligations · Context
ACH Payment Services: business customers, supervision, fewer protections and fraud review
This Addendum, labelled "For Business Customers Only" and last updated 12/11/2025, governs your use of the service to make an ACH Payment. Capitalized terms not defined in it take their meaning from the General Terms and Conditions, except as the Addendum says otherwise (the sentence cites "Section 13 below"). You must supervise the persons you authorize to use the service and are responsible for their use. Only business banking and private banking business customers who enter into an applicable deposit account agreement with Chase may use the service, and business customers may have fewer protections than consumer customers. Certain accounts may not be eligible to fund payments on chase.com. Same-Day ACH Payments follow the ACH Payment terms and pricing, with additional terms and fees. All payments are subject to review for fraud, regulatory or compliance purposes, which can delay or reject a transaction, and you will be notified when a transaction cannot be processed on the original Send On Date.
Supporting quotations
Addendum:
ACH Payment Services
(For Business Customers Only)
Last updated: 12/11/2025
This Addendum governs your use of the service for you to use to make an ACH Payment (the “ACH Payment Services” or for purposes of this Addendum, the “Services”). 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.
You must supervise persons you have authorized to use the ACH Payment Services on your behalf. You are responsible for your authorized users’ use of the ACH Payment Services.
You can use the ACH Payment Services to send an ACH Payment from your eligible checking account to a Payee’s account. Only business banking and private banking business customers who enter into an applicable deposit account agreement with us may use the ACH Payment Services. Business customers may have fewer protections than consumer customers. Certain accounts may not be eligible to fund through ACH Payment Services on chase.com. Same-Day ACH Payments are subject to the terms and pricing applicable to ACH Payments, but additional terms and fees may also apply as set forth herein. All payments made through the ACH Payment Services are subject to review for fraud, regulatory or compliance purposes, and such review may result in a transaction being delayed or rejected. You will be notified when a transaction cannot be processed on the original Send On Date.
Qualifications & exceptions
For business customers only; business customers may have fewer protections than consumer customers.
Fraud, regulatory or compliance review can delay or reject a payment.
Not stated here
The scope sentence cites "Section 13 below" for Addendum-specific definitions; in the supplied text Section 13 is "Cancellation of the ACH Payment Service" and the Definitions are Section 14.
Charges & Financial Obligations · Permission or license
ACH Payments: give accurate Payee information; you authorize debits and Payee updates
You must give Chase all the information needed to complete an ACH Payment, correctly, and say whether the Payee is a vendor or an Employee by marking the bank account type as Personal (Employee) or Business (Vendor). When you send Instructions you authorize Chase to complete them and to electronically debit the From Account listed. ACH Payments can go only to Payees in the United States with accounts at ACH member banks. You authorize Chase to update your Payee’s information if the Payee’s bank asks, Chase will notify you, and you agree to make the necessary changes on your own systems.
Supporting quotations
You must give us all the information we need to complete your ACH Payment. You must tell us if the Payee is a vendor or Employee by indicating if the bank account type is a Personal (Employee) or Business (Vendor) account. The information must be correct. When you send us Instructions, you authorize us to complete your Instructions. You authorize us to electronically debit the From Account listed in your Instructions. You may only send ACH Payments to Payees in the United States with accounts at ACH member banks. You authorize us to update your Payee’s information if your Payee’ banks asks us to do so. You will be notified when we update a Payee’s information. You additionally agree that you will make the necessary changes on your systems when we update a Payee’s information at their request and notify you.
Qualifications & exceptions
Payees must be in the United States at ACH member banks.
Chase notifies you when it updates Payee information.
Charges & Financial Obligations · Procedure
ACH Payments: Employee and Vendor Payees, records and separate entitlements
The service lets you designate payees by type: an employee (payments to personal accounts, which may appear as "Basic payroll" or "Payroll Payments") or a vendor (payments to businesses or individuals, which may appear as "ACH Payments" or "Vendor payments"). Employee payees must be paid to personal accounts. Chase may ask for an Employee’s voided check or deposit slip, and you must provide it if asked. The service should not be your permanent record for accounting, tax or any other purpose. Entitlements to pay employee or vendor Payees can be managed independently for authorized users.
Supporting quotations
ACH Payment Services allows you to designate payees by type of payment. The service supports payments to both personal and business DDA accounts. When creating payees, you must designate whether a payee should be considered an employee (payment to personal accounts) or a vendor (payments to business accounts). See Definitions below for more information. Payments to payees designated as “Employees” must be sent to personal accounts. These payments may appear as “Basic payroll” or “Payroll Payments.” Payments to payees designated as “Vendors” can be sent to businesses or individuals. These payments may appear as “ACH Payments” or “Vendor payments.” See table below for additional debit timing details for Payments to payees designated as Employees and Vendors.
You must give us an Employee’s voided check or deposit slip for the Employee’s checking account if we ask for it. The Services should not be your permanent record for accounting, tax or any other purpose.
Entitlements to make Payments to employee or vendor Payees can be managed independently for authorized users.
Charges & Financial Obligations · Restriction or exception
ACH Payments: Chase can limit amounts; Same-Day payments are capped at $100,000
Chase may limit the amount you can send in one ACH Payment or in one day, may set lower limits for you, and may block or reject a transaction over the limit; you are notified of a blocked or rejected transaction through a message on the Digital Platforms or in your transaction history on Chase Online. The current limit for a single Same-Day ACH Payment is $100,000. Chase may set lower limits and block attempted Same-Day transactions over them, and may adjust the limits at any time in its sole discretion with notice to you.
Supporting quotations
We may limit the amount of money you can send in one (1) ACH Payment or in one (1) day. We may establish lower transaction limits for you and may block or reject any transaction that exceed(s) the limit(s). You will be notified when a transaction is blocked or rejected via a message on our Digital Platforms or in your transaction history on Chase Online. The current limit for a single Same-Day ACH Payment is $100,000. We may establish lower transaction limits for you and may block any attempted Same-Day ACH transaction that exceed(s) the limit(s). We may adjust the limits at any time in our sole discretion with notice to you.
Qualifications & exceptions
Limits may be lowered for you individually.
Adjustments to limits come with notice to you.
Charges & Financial Obligations · Procedure
ACH Payments: 2:00 PM ET for Same-Day, 8:00 PM ET for Standard, and authorization by cutoff
Chase must receive your approved payment instruction before the Cutoff Time for the payment to be sent on the Send On date. The Cutoff Time is 2:00 PM ET for Same-Day ACH Payments and 8:00 PM ET for Standard ACH Payments. Both must be authorized, which includes Chase internal risk approval, by the Cutoff Time to be sent the same Business Day; payments not authorized by then expire at 11:59 PM ET on the Send On date. Authorized payments may still be delayed by Chase, including for internal review, and could be sent the next business day unless you cancel, which can result in a Same-Day ACH being sent the next business day and charged the Same-Day delivery fee.
Supporting quotations
We must receive your approved payment instruction before the Cutoff Time to send the payment on the Send On date (which could be the Same Business Day). The Cutoff Time for Same-Day ACH Payments is 2:00 PM ET and 8:00 PM ET for Standard ACH Payments. All Same- Day and Standard ACH Payments, must be authorized (which includes Chase internal risk approval) by the Cutoff Time to be sent on the same Business Day. Standard and Same-Day ACH payments not authorized by the Cutoff Time on the Send On date will expire at 11:59 PM ET on the Send On date. Note: authorized Same-Day ACH and Standard ACH Payments may be delayed by Chase, including, but not limited to, for internal review purposes, and could be sent the next business day unless cancelled by the user. This may result in a Same-Day ACH transaction being sent the next business day, which will be charged the Same-Day delivery fee.
Qualifications & exceptions
Authorization includes Chase internal risk approval.
A delayed Same-Day ACH can still be charged the Same-Day fee unless the user cancels.
Charges & Financial Obligations · Procedure
ACH Payments: when Chase debits your Pay From Account
If Chase receives Instructions after the Cutoff Time it may still debit your account that day, and it debits your Pay From Account based on the ACH Deliver By Date you choose. The timing table, whose columns are the type of ACH Payment From Account and when Chase debits the Pay From Account, says: approved Instructions received before the Cutoff Time on a Business Day are debited the calendar day you send; approved Instructions (other than Repeating ACH Payments or Employee payments) received after the Cutoff Time are debited the following Business Day; approved Instructions (other than Repeating ACH Payments or Employee payments) received on a non-Business Day are debited the next Business Day; and Repeating ACH Payment Instructions received at least one day before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date.
Supporting quotations
If we receive your Instructions after the Cutoff Time, we may still debit your account that day. We will debit your Pay From Account based on the ACH Deliver By Date you choose.
| Type of ACH Payment From Account | When We Debit your Pay From Account |
| Approved Instructions received by us before the Cutoff Time for your Instruction on a Business Day | Calendar day you send |
| Approved Instructions (other than Repeating ACH Payments or Employee payments) received by us after the Cutoff Time | Following Business Day |
| Approved Instructions (other than Repeating ACH Payments or Employee payments) received by us on non- Business Day | Next Business Day |
| Repeating ACH Payment Instructions received by us at least one day before the Deliver By date | 1 Business Day before the ACH Deliver By Date |
Qualifications & exceptions
The table has two columns: the type of instruction and when the debit happens.
The Repeating and Employee payment rows are excluded from the after-cutoff and non-Business Day rows.
Not stated here
The table may have further rows beyond those in this section.
Charges & Financial Obligations · Procedure
ACH Payments: debit timing for repeating and Employee payments
The timing table continues with these rows (column one is the type of instruction, column two is when Chase debits your Pay From Account): Repeating ACH Payment Instructions received at least one day before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date; Repeating ACH Payment Instructions with a Deliver By date on a non-Business Day are debited 2 Business Days before that date; Employee ACH Payment Instructions received before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date; Repeating Employee ACH Payment Instructions received before the Deliver By date are debited 1 Business Day before the ACH Deliver By Date; and Repeating Employee ACH Payment Instructions with a Deliver By date on a non-Business Day are debited 2 Business Days before the Deliver By date.
Supporting quotations
| Repeating ACH Payment Instructions received by us at least one day before the Deliver By date | 1 Business Day before the ACH Deliver By Date |
| Repeating ACH Payment Instructions with Deliver By date on a non-Business Day | 2 Business Days before date |
| Employee ACH Payment Instructions received by us before the Deliver By date | 1 Business Day before the ACH Deliver By Date |
| Repeating Employee ACH Payment Instructions received by us before the Deliver By date | 1 Business Day before the ACH Deliver By Date |
| Repeating Employee ACH Payment Instructions received by us with Deliver By date on non-Business Day | 2 Business Days before Deliver By date |
| Approved Instructions (other than Repeating ACH Payments or Employee payments) received by us on non- Business Day | Next Business Day |
Qualifications & exceptions
Each row pairs an instruction type with the debit timing shown beside it.
Charges & Financial Obligations · Restriction or exception
ACH Payments: you need funds on the Send On Date; Chase may overdraw, retry or reject
You must have enough available funds in your From Account on the Send On Date, and if not, Chase need not follow your Instructions. Funds in your overdraft account count as available, and if you have overdraft protection, funds in the linked protecting account are eligible to be transferred to protect ACH Payments. You authorize Chase to debit the From Account even if it overdraws or increases an overdraft, and to debit accounts enrolled in overdraft protection. Chase is not liable for failing to pay if funds are insufficient. For a Current Day ACH Payment without enough funds, Chase rejects the Instructions and will not retry. For a Future Dated ACH Payment without enough funds on the morning of the Send On Date, Chase may reject the Instructions, overdraw your accounts and complete the payment, or try to debit up to two more times on the next two Business Days, showing "Funds Needed". If the payment fails six times it is Cancelled and shows "Funding Failed", and Chase notifies you by message or email each time it fails. If there is a problem with your From Account, Chase may not complete the payment.
Supporting quotations
You must have enough funds available in your From Account on the Send On Date to complete your ACH Payment. If you do not have enough funds available, we are not required to follow your Instructions. We count funds in your overdraft account as available funds. If there are insufficient available funds in the From Account to cover an ACH Payment and you have overdraft protection, the funds in your linked protecting account are eligible and will be transferred to protect ACH Payments initiated via the ACH Payment Service. You authorize us to debit your From Account even if it will overdraw your account(s) or increase an overdraft. You authorize us to debit your account(s) enrolled in overdraft protection if you do not have enough funds available in your From Account.
If you do not have enough funds for a Current Day ACH Payment, we will reject your Current Day ACH Payment Instructions. We will not retry the Current Day ACH Payment.
If you do not have enough funds on the morning of the Send On Date
reject your Instructions;
overdraw your account(s) and complete the ACH Payment; or
try to debit your account up to two (2) more times on the next two (2) Business Days. A status of “Funds Needed” will appear on the Payment Activity page on the Online Services. If the ACH Payment fails six (6) times, your ACH Payment will be Cancelled. A status of “Funding Failed” will appear on the Payment Activity page on the Online Services. We will notify you via a message on our Digital Platforms or email each time the ACH Payment fails. If there is a problem with your From Account, we may not complete the ACH Payment.
Qualifications & exceptions
The outcome for Future Dated payments (reject, overdraw, or retry) is at Chase’s option.
Current Day payments are not retried.
Not stated here
The source describes two additional debit attempts and then a payment that "fails six (6) times" without explaining how failures are counted.
Charges & Financial Obligations · User right or choice
ACH Payments: cancel Pending payments by the Cutoff Time; no changes after scheduling
You can cancel any Pending ACH Payment by the Cutoff Time on the Send On Date. If Chase already debited your From Account, it refunds the funds for the Cancelled ACH Payment by the following Business Day. You cannot change Instructions or Pending payments after you schedule them. You can also cancel a Funded Employee payment if you contact Chase by the Cutoff Time on the Send On Date.
Supporting quotations
You may cancel any Pending ACH Payment by the Cutoff Time on the Send On Date. If we already debited your From Account, we will refund the funds for the Cancelled ACH Payment by the following Business Day. You may not change Instructions or Pending payments after you schedule them.
You may also cancel a Funded Employee payment if you contact us by the Cutoff Time on the Send On Date.
Qualifications & exceptions
Cancellation deadline is the Cutoff Time on the Send On Date.
Charges & Financial Obligations · Company practice
ACH Payments fees: per-payment fees, failed payment fees and a Same-Day fee
You choose a Primary Account when you enroll and authorize Chase to withdraw ACH Payment and Same-Day ACH fees from it. Chase may add, delete or change fees with notice to you. In the fee table (columns: Fee Type and Fee Amount), the standard-delivery ACH Payment fee is shown as $2.50 each for the first 10 payments and $0.15 per transaction after the first 10, and the Same-Day ACH Payment fee is 1% of the transaction amount up to $25.00 per transaction. Two rows deal with failed ACH Payments: $2.50 per return (Chase Analysis Business Checking), and a row saying Chase Analysis Business Checking with Internet accounts are $3. Fees generally appear one month in arrears on your statements, and fees may differ if you use a J.P. Morgan Private Bank account.
Supporting quotations
You must choose a Primary Account when you enroll for the ACH Payment Service. You authorize us to withdraw ACH Payment and Same-Day ACH fees from your Primary Account. Additional fees may apply for Same-Day ACH Payments. We may add, delete, or change fees with notice to you.
| Fee Type | Fee Amount |
| ACH Payment Fee (Standard delivery) | First 10 payments $2.50 each $0.15 per transaction (after the first 10) |
| Failed ACH Payment accounts and Chase | $2.50 per return (Chase Analysis Business Checking) |
| Fee per Failed ACH Payment | Chase Analysis Business Checking with Internet accounts are $3 |
| Same-Day ACH Payment | 1% of transaction amount up to $25.00 per transaction |
Fees generally appear one month in arrears on your statements. Your fees may be different if you use your J.P. Morgan Private Bank account to make ACH Payments.
Qualifications & exceptions
Fee changes come "with notice to you".
Private Bank account fees may differ.
Not stated here
The failed-payment rows of the fee table appear scrambled in the supplied text (labels and amounts do not line up cleanly), so exactly which account types pay $2.50 or $3 per failed payment cannot be confirmed from the text.
Charges & Financial Obligations · Restriction or exception
ACH Payments: delivery date is not guaranteed and Chase is not responsible for Payee bank timing
Chase cannot guarantee an ACH Payment will be delivered on the ACH Deliver By Date you choose. Usually the Deliver By Date is the Business Day after the Send On Date, but it may take longer. For Same-Day ACH payments before the Cutoff time the Send On and Deliver By Dates are the same; after the Cutoff time the Deliver By Date changes to the next Business Day. The Payee’s bank may take longer to post the payment, and Chase is not responsible for the timeliness of funds availability at the Payee’s bank.
Supporting quotations
We cannot guarantee your ACH Payment will be delivered on the ACH Deliver By Date you choose. Usually the ACH Deliver By Date will be the Business Day after the Send On Date, but it may take longer. The Send On and Deliver By Dates for Same-Day ACH payments prior to the Cutoff time will be the same. After the Cutoff time, the Deliver By Date will change to the next Business Day. It may take longer for the Payee’s bank to post the ACH Payment.
We are not responsible for the timeliness of funds availability
Charges & Financial Obligations · Company practice
ACH Payments: duplicates are sent if funded; problems are notified by message or email
Chase will make duplicate ACH Payments entered for the same amount, Payee and ACH Deliver By Date if you have enough funds available on the Send On Date. Chase notifies you of a problem with your Instructions with a message on the Digital Platforms or to the primary email address on file.
Supporting quotations
We will make duplicate ACH Payments entered for the same amount, Payee and ACH Deliver By Date if you have enough funds available on the Send On Date.
We will notify you if there is a problem with your Instructions with a message via a message on our Digital Platforms or your primary email address on file.
Charges & Financial Obligations · Restriction or exception
ACH Payments: the ACH Rules govern, Chase may audit, and credits are provisional
Capitalized terms not defined in the Addendum or the General Terms take their definitions from the ACH Rules. The ACH Rules govern Entries Chase sends on your behalf unless you and Chase agree otherwise, and you and Chase are bound by them. Chase may audit your compliance with the ACH Rules. A Credit Entry by the receiving bank to the Receiver is provisional until that bank receives final settlement; if it does not, it may refund the amount, and you are not deemed to have paid the Receiver that amount.
Supporting quotations
When we use capitalized terms in this Addendum not defined in this Addendum or in the General Terms and Conditions, the definition in the ACH Rules applies. The ACH Rules govern the Entries we send on your behalf unless you and we agree otherwise. You and we are bound by the ACH Rules. We may audit your compliance with the ACH Rules. A Credit Entry by a RDFI to the Receiver is provisional until the RDFI receives final settlement. If the RDFI does not receive settlement, the RDFI may refund the amount credited. You are not deemed to have paid the Receiver the amount of such Credit Entry.
Qualifications & exceptions
Credit Entries are provisional until final settlement.
Charges & Financial Obligations · Procedure
ACH Payments: how Entries are sent, and rejections, returns and Employee payment chargebacks
For Entries to accounts of Receivers held by Chase ("On-Us Entries"), Chase debits or credits the Receivers’ accounts on its books. For Entries to Receivers at other RDFIs, Chase sends them to the Regional ACH network to reach those banks. Chase may reject your Instructions for any reason. It notifies you when it or the RDFI rejects or returns your Instructions, by message on the Digital Platforms or to your primary email address on file, and you must correct and re-send any rejected Instructions you still want to send. Chase credits your account for a returned Credit Entry when it receives settlement for it, for ACH Payments other than Employee payments. If Chase does not receive final settlement for an Employee payment for any reason, it charges the amount back to the From Account or claims a refund from you.
Supporting quotations
In processing and transmitting Entries to accounts of Receivers held by us (“On-Us Entries”), we debit or credit the accounts of Receivers on our books. In processing and transmitting Entries intended for the accounts of Receivers at other RDFIs, we will process and transmit such Entries to the Regional ACH network for processing and transmitting to RDFIs.
We may reject your Instructions for any reason. We will notify you when we or the RDFI reject or return your Instructions with a message via a message on our Digital Platforms or your primary email address on file. You must correct and re-send any rejected Instructions you still want to send. We will credit your account for any returned Credit Entry when we receive settlement for such Entry for ACH Payments other than Employee payments.
If we do not receive final settlement for an Employee payment for any reason, we will charge back the amount of such Employee payment to the From Account or claim a refund from you.
Qualifications & exceptions
Chase may reject Instructions for any reason.
Credit for returned entries is given when settlement is received, for payments other than Employee payments.
Charges & Financial Obligations · Procedure
ACH Payments: reversal requests within five Business Days; funds held seven Business Days
You can ask for a reversal by calling Chase or visiting Chase Online within five Business Days of the ACH Deliver By Date. Chase does not accept late requests and does not promise the receiving bank will honor a request. When you start a reversal request, Chase credits your From Account for the reversal and places a hold on the funds for seven Business Days. If the receiving bank does not accept the request, Chase debits the reversal amount from your From Account, and it also debits the From Account if it does not receive final settlement. Reversal requests do not appear on your Services status report.
Supporting quotations
You can request a reversal by calling us at 877-CHASEPC (877-242-7372) or by visiting Chase Online within five (5) Business Days of the ACH Deliver By Date. We do not accept late reversal requests. We do not promise the RDFI will honor your request. When you start a reversal request, we credit your From Account for the reversal and place a hold on the funds for seven (7) Business Days.
If the RDFI does not accept the reversal request, we will debit the amount of the reversal request from your From Account. We will also debit the From Account for the reversal if we do not receive final settlement. You will not see your reversal request on your Services status report.
Qualifications & exceptions
Request window is five Business Days from the ACH Deliver By Date.
No promise that the RDFI honors the request.
Charges & Financial Obligations · Restriction or exception
ACH Payments: Chase may rely on account numbers; you are responsible for name mismatches
Chase may rely on the identifying number of any bank or Payee in your Instructions. The receiving bank may credit or debit the Payee’s account based on an account number even if it identifies a different person from the Receiver. You are responsible for any differences between the name and identifying number of any bank or Receiver in your Instructions.
Supporting quotations
We may rely on the identifying number of any bank or Payee in your Instructions. The RDFI may credit or debit the Payee’s account based on an account number, even if the account number identifies a person different from the Receiver. You are responsible for any differences between the name and identifying number of any bank or Receiver in your Instructions.
Security & Safeguards · Restriction or exception
ACH Payments security procedures: user ID, password, extra checks and commercial reasonableness
Chase’s security procedures are only to help prevent unauthorized access to your account. You must be an active Chase Online and/or Chase Mobile user with a valid user ID and password and must activate the service before use. You should not discuss or disclose your user ID, password, one-time code or other identity-confirming information with anyone, even someone with access to your accounts. You acknowledge the security procedures are a commercially reasonable method of making payments. Before scheduling a payment you must set up a recipient and the recipient’s financial institution. You log in to Chase Online, authenticate with a username and password, and may be asked for additional steps such as security questions or one-time codes. Chase may impose stricter security procedures for any transaction but has no obligation to, and if it does, it is not liable for any delays or losses and is not obliged to do so in future.
Supporting quotations
Chase security procedures are only to help prevent unauthorized access to your account. You must be an active Chase Online and/or Chase Mobile user with a valid user ID and password to use ACH Payment Services. You should not discuss or disclose your online user ID and password, your one-time code, or any other information that we may use to confirm your identity with any person regardless if they have access to your accounts. You acknowledge the security procedures for ACH Payment Services are a commercially reasonable method of making payments. You are required to activate ACH Payment Services prior to using this service. Prior to scheduling an ACH Payment, you must establish a recipient (Receiver) and the financial institution that holds the recipient account (RDFI). When you use ACH Payment Services, you will log into your Chase Online account and authenticate with a username and password and may, from time to time, be asked to complete additional authentication steps like security questions, one-time codes, and other methods of authentication. We may impose stricter security procedures for any particular transaction you make under this service, but we have no obligation to do so. If we choose to impose the stricter security procedures, we will not be liable to you for any delays or losses, and we will not be obligated to impose such security procedures in the future.
Qualifications & exceptions
Chase has no obligation to impose stricter procedures, and is not liable for delays or losses if it does.
Legal Rights & Agreement Rules · Restriction or exception
ACH Payments: you give the same warranties as Chase under the ACH Rules and indemnify for its compliance
Except as specified, you make the same warranties to Chase as Chase makes under the ACH Rules, and Chase has no responsibility for those matters. For On-Us Entries your warranties apply when Chase first processes the entry. You do not warrant Chase’s power under applicable law to comply with the ACH Rules or the conformity of Entries Chase sends to the Rules’ file specifications. You represent and warrant that each Entry you originate will comply with all applicable U.S. laws and regulations. In addition to your other indemnity obligations, you indemnify and hold harmless the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, against Losses from third-party claims arising from Chase’s sending of Entries following your Instructions and Chase’s or the RDFI’s compliance with your request.
Supporting quotations
Except as specified below, you make the same warranties to us as we make under the ACH Rules. We do not have responsibility for such warranted matters. In the case of On-Us Entries, your warranties apply at the time we first process an On-Us Entry. You do not warrant: (a) our power under applicable law to comply with the ACH Rules; or (b) the conformity of Entries transmitted by us to the file specifications contained in the Rules. You represent, warrant and acknowledge that each Entry you originate will comply with all applicable U.S. laws and regulations.
In addition to your indemnification obligations set forth elsewhere in this Agreement, you will indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, harmless from and against any and all Losses in connection with any third party claim resulting or arising from: (a) our transmittal of Entries following your Instructions; and
(b) our or the RDFI’s compliance with your request.
Qualifications & exceptions
Two warranties are carved out: Chase’s power under law to comply with the ACH Rules and conformity to file specifications.
The indemnity covers third-party claims.
Charges & Financial Obligations · Procedure
Cancelling the ACH Payment Service: phone call, fees for up to two months, no refund
You can cancel the ACH Payment Service by calling the number given (option 3), and Chase may also require your request in writing. After cancelling you can no longer use its features. Fees for the service continue to apply for up to two months after you cancel, and fees are not refunded. Cancellation does not affect your other Services or account relationships with Chase.
Supporting quotations
You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), option 3.
When you call us, we may also require you to put your request in writing. When you cancel the ACH Payment Service, you will no longer be able to access any of your ACH Payment Service features. Fees applicable to the ACH Payment Service will continue to apply for up to two months after you cancel the ACH Payment Service. You will not receive a refund of any fees if your ACH Payment Service is cancelled. When you cancel the ACH Payment Service, such cancellation will have no impact on the other Services or account relationships, if any, with us.
Qualifications & exceptions
Fees continue for up to two months after cancellation.
No fee refunds.
Charges & Financial Obligations · Context
ACH Payments definitions: ACH Deliver By Date and ACH Payment
In the ACH Payment Services Addendum, the "ACH Deliver By Date" is the date by which an ACH Payment will be delivered to the Payee’s account, and an "ACH Payment" is an electronic fund transfer sent through the ACH network to move money to a Payee’s account, including both Standard ACH Payments and Same-Day ACH Payments.
Supporting quotations
“ACH Deliver By Date” refers to the date by which an ACH Payment will be delivered to the Payee's account.
“ACH Payment” refers to a type of electronic fund transfer sent through the ACH network to transfer money to a Payee’s account, which includes both Standard ACH Payments and Same-Day ACH Payments.
Charges & Financial Obligations · Context
ACH Payments definitions: ACH Rules, Employee, Same-Day, Standard and Vendor payments
In the ACH Payment Services Addendum, "ACH Rules" are the NACHA Rules and the rules of any regional ACH network. An "Employee" is a type of Payee to whom you direct an Employee payment, and an "Employee payment" is an ACH Payment for direct deposit of an Employee’s wages or other compensation. "In Process" means an ACH Payment is no longer Pending or Funded and cannot be changed or Cancelled. A "Repeating ACH Payment" is an automatic recurring ACH Payment to the same Payee for the same amount, which you can authorize up to 365 days in advance. A "Same-Day ACH Payment" has expected settlement by end of day on the day it is sent, while a "Standard ACH Payment" has expected settlement within 1-2 Business Days from the day it is sent. "Send On Date" is the Business Day you choose for the payment to start processing. A "Vendor" is a type of Payee designated for electronic payments deposited into business or personal accounts, and a "Vendor ACH Payment" is an ACH Payment to your vendors, suppliers or, as worded, an Employee’s wages or other compensation.
Supporting quotations
“ACH Rules” refers to the NACHA Rules and the rules of any regional ACH network.
“Employee” refers to a type of Payee to whom you designate an Employee payment to be directed.
“Employee payment” refers to a type of ACH Payment sent via the ACH network for direct deposit of an Employee’s wages or other compensation.
“In Process” refers to that an ACH Payment is no longer “Pending” or “Funded” and it cannot be changed or Cancelled.
“Repeating ACH Payment” refers to automatic recurring ACH Payments to the same Payee for the same payment amount. You can authorize Repeating ACH Payments up to 365 days in advance.
“Same-Day ACH Payment” refers to an ACH Payment with expected settlement by end-of-day on the day the transaction is sent.
“Send On Date” refers to the Business Day you choose
“Standard ACH Payment” refers to an ACH Payment with expected settlement within 1-2 Business Days from the day the transaction is sent.
“Vendor" means a type of Payee to whom you designate for electronic payments deposited into business or personal accounts;
“Vendor ACH Payment" means a type of ACH Payment sent via the ACH network for electronic payments to your vendors, suppliers or Employee's wages or other compensation.
Qualifications & exceptions
Settlement times are "expected", not guaranteed.
The Vendor ACH Payment definition mentions Employee wages, which overlaps with the Employee payment definition.
Charges & Financial Obligations · Context
Bill Payment Service: scope, eligibility and Chase’s right to restrict Payees
This Addendum, last updated 1/25/2024, governs your use of the service to make Bill Payments. Capitalized terms not defined in it take their meaning from the preamble of the Agreement or the General Terms and Conditions (such as the Glossary), except as the Addendum says otherwise (it cites "Section 11 below"). Not all accounts are eligible: Chase reserves the right to limit eligibility to certain account types and change that over time, and in its sole discretion to restrict the categories or number of recipients or Payees to whom Bill Payments can be made. Eligible accounts are described later in the Addendum.
Supporting quotations
Addendum:
Bill Payment Service
Last updated: 1/25/2024 This Addendum governs your use of the service to make Bill Payments (the “Bill Payment Service” or for purposes of this Addendum, the “Service”). Except as otherwise set forth in this Addendum (including Section 11 below), all capitalized terms used but not defined herein shall have the meaning set forth in the preamble on page one of the Agreement or otherwise in General Terms and Conditions (e.g. in the Glossary).
Not all accounts are eligible for the Bill Payment Service. We reserve the right to limit eligibility to certain types of accounts and to change such eligibility from time to time. We also reserve the right to restrict categories or number of recipients or Payees to whom Bill Payments may be made in our sole discretion. Eligible accounts are described below in this Addendum.
Qualifications & exceptions
Chase can change which accounts are eligible over time.
Restrictions on Payees are in Chase’s sole discretion.
Charges & Financial Obligations · Restriction or exception
Bill Payments: sent or completed payments cannot be cancelled; no international ACH
When you use, or allow another person to use, the Bill Payment Service to send Instructions to Chase, you agree to this Addendum. You agree not to use the service for international ACH transactions, which are prohibited. Once a Bill Payment has a status of "Sent" or "Completed", you cannot cancel it. Your Bill Payments appear on the statements of your accounts. Certain payments available through the Services, such as online wire transfers, payroll and tax payment services and Zelle, may be subject to separate terms and authorizations, so you should refer to the agreements you receive for them. You agree to keep a working email address on your online profile while you use the service, and to follow other written requirements Chase gives you for your deposit, credit card and loan accounts that can be accessed through the service.
Supporting quotations
When you use, or allow another to use, the Bill Payment Service to send Instructions to us to make Bill Payments (see Glossary for definition) through the Bill Payment Service you agree to the terms and conditions set forth in this Addendum. You agree that you will not use this Bill Payment Service for international ACH transactions, which are prohibited under this Addendum. You also agree that once a Bill Payment has been designated with a status of “Sent” or “Completed”, you cannot cancel that Bill Payment.
All of your Bill Payments made through the Bill Payment Service will appear on the statements for your respective accounts. Certain payments available through the Services (as defined on page one of the Agreement) may also be subject to terms and conditions or payment authorizations separate from this Addendum that apply to such other services including the online wire transfer service, payroll and tax payment services and the Zelle® Service. Please refer to the agreements and documentation that you receive for those services for that information.
You agree to update your email address if it changes, and maintain a working email address on your online profile at all times you use the Bill Payment Service. You agree to be bound by and comply with such other written requirements as we may furnish to you in connection with your deposit accounts, credit card accounts, and other products that may be accessed via the Bill Payment Service, including your deposit account agreement or other terms and conditions governing your account, credit card, mortgage, auto, installment loan, or line of credit agreements.
Qualifications & exceptions
Sent and Completed payments cannot be cancelled.
Separate terms may apply to wire, payroll, tax and Zelle payments.
Charges & Financial Obligations · Procedure
Bill Payment cutoffs to schedule: mortgages, commercial term lending and home equity or personal loans
Cutoff Times to schedule Bill Payments, all in ET, depend on where the payment goes and which account funds it. To J.P. Morgan Chase mortgage loans: 7:30 p.m. on any Business Day from a Chase checking or prepaid account, and 8:00 p.m. on any Business Day from a non-Chase checking account. To Chase commercial term lending mortgage loans: 8:00 p.m. on any Business Day from either a Chase checking or prepaid account or a non-Chase checking account. To Chase home equity or personal loan or line of credit accounts: 11:59 p.m. on any day from a Chase checking or prepaid account (Future Dated payments can be made by 11:59 p.m. on any Business Day), and 8:00 p.m. on any Business Day from a non-Chase checking account.
Supporting quotations
a. Cutoff Times to schedule Bill Payments are as follows in ET:
Bill Payments to J.P. Morgan Chase mortgage loans:
7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:
8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
Bill Payments to J.P. Morgan Chase home equity or personal loan or line of credit accounts:
11:59 p.m. ET on any day for payments from a J.P. Morgan Chase checking or prepaid account, with the exception of Future Dated payments, which can be made by 11:59 p.m. ET on any Business Day
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
Qualifications & exceptions
The cutoff depends on both the destination type and the funding account type.
Future Dated payments to home equity, personal loan and line of credit accounts must be made by 11:59 p.m. on a Business Day.
Cross-references
contrast (model-proposed): Transfers cutoff table, mortgage payments: 7:30 PM ET from Chase deposit accounts, 8:00 PM ET from others — contrast: For payments to Chase commercial term lending mortgage loans, the Bill Payment Addendum lists 8:00 p.m. ET for payments from a Chase checking or prepaid account, while the Transfers cutoff table lists 7:30 PM ET from a Chase eligible deposit account (and 8:00 PM ET from a non-Chase deposit account); the document does not say which governs.
Charges & Financial Obligations · Procedure
Bill Payment cutoffs to schedule: Chase loan or credit accounts and non-Chase payees
To J.P. Morgan Chase Loan or Credit Accounts, the cutoff to schedule is 11:00 p.m. ET on any Business Day for payments from a Chase checking or prepaid account, and 8:00 p.m. ET on any Business Day for payments from a non-Chase checking account. For Bill Payments to non-Chase accounts (excluding payments made using a Chase credit card), where the Send On Date is a Business Day, the cutoff is 8:00 PM on that Send On Date.
Supporting quotations
Bill Payments to J.P. Morgan Chase Loan or Credit Accounts:
11:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
Bill Payments to non-J.P. Morgan Chase accounts (excluding payments made using a J.P. Morgan Chase credit card):
For Bill Payments with a Send On Date falling on a Business Day, 8:00 PM on that Send On Date
Qualifications & exceptions
Payments made using a Chase credit card are excluded from the non-Chase account cutoff.
Charges & Financial Obligations · Procedure
Bill Payment cutoffs to cancel, by destination and funding account
Cutoff Times to cancel Bill Payments, in ET: for payments to Chase home equity, personal loan or line of credit accounts, 8:00 p.m. for same-day payments from a Chase deposit or prepaid account if scheduled before 8:00 p.m., 11:00 p.m. for same-day payments from a Chase deposit or prepaid account if scheduled after 8:00 p.m., and 8:00 p.m. on the Payment date for Future Dated payments from a Chase deposit or prepaid account or a non-Chase checking account. For Chase mortgage loans: 7:30 p.m. on any Business Day from a Chase checking or prepaid account and 8:00 p.m. from a non-Chase checking account. For commercial term lending mortgage loans: 8:00 p.m. on any Business Day from either. For Chase Loan or Credit Accounts: 11:00 p.m. from a Chase checking or prepaid account and 8:00 p.m. from a non-Chase checking account. To cancel a Bill Payment you should cancel it online. A "Payment date" is the date you would like your payment sent, including payment to your Chase Loan or Credit Account.
Supporting quotations
b. Cutoff Times to Cancel Bill Payments are as follows in ET:
Bill Payments to a J.P. Morgan Chase home equity or personal loan or line of credit account:
8:00 p.m. ET for same-day payments from a J.P. Morgan Chase deposit or prepaid account, if the payment was scheduled prior to 8:00 p.m. ET
11:00 p.m. ET for same-day payments from a J.P. Morgan Chase deposit or prepaid account, if the payment was scheduled after 8:00 p.m. ET
8:00 p.m. ET on the Payment date for Future Dated payments from a J.P. Morgan Chase deposit or prepaid account or a non-J.P. Morgan Chase checking account
Bill Payments to J.P. Morgan Chase mortgage loans:
7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:
8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
Bill Payments to J.P. Morgan Chase Loan or Credit Accounts:
11:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checking or prepaid account
8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase checking account
If you wish to Cancel a Bill Payment, you should cancel your Bill Payment online.
“Payment date” refers to the date you would like your payment sent
Qualifications & exceptions
Cancellation is online.
A payment already Sent or Completed cannot be cancelled.
Charges & Financial Obligations · Procedure
Cancelling Bill Payments to non-Chase accounts: 10:00 a.m. ET for automatic and future-dated payments
To cancel a Bill Payment you should do so online. For Bill Payments to non-Chase accounts (excluding payments made using a Chase credit card), automatic and future-dated payments must be cancelled before 10:00 a.m. ET on the day the payment is to be processed. For all other Bill Payments with a Send On Date on a Business Day, the cutoff is 8:00 p.m. ET on that Send On Date.
Supporting quotations
If you wish to Cancel a Bill Payment, you should cancel your Bill Payment online.
Bill Payments to non-J.P. Morgan Chase accounts (excluding payments made using a J.P. Morgan Chase credit card):
Automatic and future-dated Bill Payments must be canceled before 10:00 a.m. ET on the day that Bill Payment is to be processed
For all other Bill Payments with a Send On Date falling on a Business Day, 8:00 p.m. ET on that Send On Date
Qualifications & exceptions
The earlier 10:00 a.m. ET cutoff applies to automatic and future-dated payments.
Charges & Financial Obligations · Company practice
Bill Payment fees: no monthly fee, but overdraft or credit limit charges may apply
Unless your deposit account agreement or other applicable account agreement says otherwise, Chase does not charge a monthly service fee for the Bill Payment Service. If Chase processes a Bill Payment per your Instructions that overdraws your From Account or exceeds your Chase credit card limit, it may assess a fee or charge interest under your deposit account agreement or other applicable agreement. Chase is not responsible for a Bill Payment request if the From Account lacks the money or the request exceeds your credit card limit.
Supporting quotations
Unless otherwise noted in your deposit account agreement or other applicable account agreement, we do not charge a monthly service fee for the Bill Payment Service. If we process a Bill Payment in accordance with your Instructions that overdraws your From Account or exceeds your J.P. Morgan Chase credit card limit, we may assess a fee or charge interest in accordance with the terms of your deposit account agreement or other applicable agreement. We are not responsible for any Bill Payment request if there is not enough money in the designated From Account or if the payment request exceeds your credit card limit.
Qualifications & exceptions
No monthly fee applies unless another agreement provides otherwise.
Overdraft or interest charges follow your account agreement.
Charges & Financial Obligations · User right or choice
Recurring Bill Payments: same day each month, printed authorization, stop orders three Business Days ahead
Recurring Bill Payments for the same fixed amount each month are sent on the same calendar day each month, or the next Business Day if the Send On Date falls on a non-Business Day, and are deducted from your From Account or charged to your Chase credit card on the Send On Date. To authorize one you agree to have a means to print a copy of your authorization; if you have no printer you agree to authorize each Repeating Bill Payment transaction-by-transaction until you do. If you order Chase to stop a Recurring Bill Payment three Business Days or more before the Send On Date and it does not, Chase is liable for those losses or damages as provided by law. If you cannot access the Online Services you may call customer service or write to the address given; if you call, Chase may require your request in writing within fourteen days after the call.
Supporting quotations
Recurring Bill Payments that are for the same fixed amount each month will be sent on the same calendar day of each month, or on the following Business Day if the regular Send On Date falls on a non-Business Day. Recurring Bill Payments will be deducted from your From Account, or charged to your J.P. Morgan Chase credit card, on the Send On Date. In order to authorize a Recurring Bill Payment, you agree to have means to print a copy of your authorization for your records.
If you order us to stop a Recurring Bill Payment three (3) Business Days or more before the Send On Date, and we do not do so, we will be liable to you for those losses or damages as provided by law. If for any reason you cannot access the Online Services, you may also call our customer service at 877-CHASEPC (877-242-7372) or write to online customer service at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you call, we may also require you to present your request in writing within fourteen (14) days after you call.
Qualifications & exceptions
The liability promise applies to stop orders given three Business Days or more before the Send On Date.
Liability is "as provided by law".
A phone request may need written confirmation within fourteen days.
Charges & Financial Obligations · Context
Automatic payments to Chase loans and credit accounts differ from Repeating Bill Payments
Some Chase Loan and Credit Accounts allow you to set up automatic payments. Automatic payments differ from Repeating Bill Payments because they are triggered by the account’s billing date and the payment amount may vary each month. The terms for automatic payments to Chase Loan and Credit Accounts are shown to you when you set them up.
Supporting quotations
Some Chase Loan and Credit Accounts will allow you to set up automatic payments.
Automatic payments differ from Repeating Bill Payments in that automatic payments are triggered based on the associated billing date and the payment amount may vary each month. Terms and conditions for automatic payments to Chase Loan and Credit Accounts will be presented to you at the time you set up the automatic payments.
Qualifications & exceptions
Available for some Chase Loan and Credit Accounts only.
Not stated here
Those separate terms are presented at set-up and are not part of this source.
Charges & Financial Obligations · Restriction or exception
Bill Payments: sufficient funds, overdraft, retries and cancellation after failed debits
You authorize Chase to remove funds from your From Account for all Bill Payments you start and agree to have enough available funds on the Send On Date or Payment date. If you have overdraft protection, the funds in that account count as available. A Current Day Bill Payment without enough funds is immediately rejected and not retried. For Future Dated payments without enough funds Chase may reject the request, or accept it and process the payment even if that exceeds your credit limit or overdraws your account. Alternatively Chase will try to debit your account up to two more times on each of the three succeeding Business Days, showing "Funds Needed", and after the final attempt the payment is Cancelled and shows "Funding Failed". Chase sends a message for each failed attempt. You agree Chase may, at its option, follow your Instructions even though the debit may exceed your credit limit or cause or increase an overdraft, and may charge any of your other accounts for an overdraft in your From Account.
Supporting quotations
You authorize us to remove funds from your designated From Account for all Bill Payments that you initiate and you agree to have sufficient available funds on the Send On Date or Payment date for each such Bill Payment you schedule. Please note that if you have overdraft protection for your From Account, available funds in the account that you use for overdraft protection are included in the determination of available funds for the Bill Payment Service. If sufficient funds are not in your From Account to cover a Current Day Bill Payment, we will not retry the payment and it will be immediately rejected. In the case of Future Dated Bill Payments, if sufficient funds are not in your From Account on the Send On Date or Payment date we may reject the request, or accept the request and process the payment for delivery (even if such payment processing causes you to exceed your credit limit or overdraw your account). In the alternative, if sufficient available credit or funds are not in your From Account on the Send On Date or Payment date, we will automatically try to debit your account up to two (2) more times on each of the three (3) succeeding Business Days. For these attempts, a status of “Funds Needed” will appear online. After the final attempt, the payment request will be Cancelled. A status of “Funding Failed” will appear. We will send you a message advising you of each failed attempt to debit your From Account. You agree that we may, at our option, follow your Instructions to make Bill Payments to a Payee, even though a charge to or a debit from your From Account may cause you to exceed your credit limit, or bring about or increase an overdraft. In the event of an overdraft to your From Account, we may charge any other of your accounts for the amount of the overdraft.
Qualifications & exceptions
The outcome for Future Dated payments is at Chase’s option.
Current Day payments are not retried.
Chase may charge any of your other accounts for an overdraft of your From Account.
Charges & Financial Obligations · Permission or license
Chase credit card can be used for eligible healthcare provider Bill Payments, without retry
For Bill Payments to certain eligible healthcare providers only, you authorize Chase to charge your Chase credit card for eligible Bill Payments you start with it, and you agree to have enough available credit on the Send On Date or Bill Payment date. If the card payment is rejected for any reason, Chase will not retry and will notify you of the failed attempt. You agree Chase may, at its option, follow your Instructions to pay a named Payee even though the charge may push you over your credit limit.
Supporting quotations
Further, for Bill Payments to certain eligible healthcare providers only, you authorize us to charge your J.P. Morgan Chase credit card for any eligible Bill Payments to certain healthcare providers that you initiate using your J.P. Morgan Chase credit card and you agree to have sufficient available credit balance on the Send On Date or Bill Payment date for each such Bill Payment you schedule. If your J.P. Morgan Chase credit card payment is rejected for any reason, we will not retry the Bill Payment and you will be notified of the failed attempt to charge your J.P. Morgan Chase credit card. You agree that we may, at our option, follow your Instructions to make Bill Payments to a named Payee, even though a charge to your J.P. Morgan Chase credit card may cause you to exceed your credit limit.
Qualifications & exceptions
Limited to certain eligible healthcare providers.
Rejected card payments are not retried.
Charges & Financial Obligations · Company commitment
Late Bill Payments: Chase disclaims Payee charges except late fees it causes, under the Bill Pay Guarantee
Chase is not responsible for over-the-credit-limit fees, charges or other actions by a Payee resulting from a late Bill Payment, including finance charges or late fees. The exception is that if Chase causes processing delays that make your Bill Payment late, Chase is responsible for late fees only, under its Bill Pay Guarantee. The Guarantee says that if Chase causes processing delays of your online or mobile Bill Payments, or online or mobile payments to a Chase Loan or Credit Account made from a Chase checking account or credit card, that result in late fees, Chase covers 100% of those fees. It covers everything within Chase’s control but not losses you cause or delays not caused by or within Chase’s control. As a precondition you agree not to enter agreements one of whose purposes is to generate late payment fees, and you bear the risk of late charges if you do not follow the procedures or otherwise misuse the service.
Supporting quotations
WE ARE NOT RESPONSIBLE FOR ANY OVER-THE-CREDIT-LIMIT FEE, OR CHARGES IMPOSED OR ANY OTHER ACTION BY A PAYEE RESULTING FROM A LATE BILL PAYMENT, INCLUDING ANY APPLICABLE FINANCE CHARGES AND/OR LATE FEES; PROVIDED, HOWEVER, THAT IF WE CAUSE PROCESSING DELAYS THAT CAUSE YOUR BILL PAYMENT TO BE LATE, WE WILL BE RESPONSIBLE FOR ANY LATE FEES ONLY, IN ACCORDANCE WITH OUR BILL PAY GUARANTEE.
If we ever cause processing delays of your online or mobile Bill Payments or online or mobile payments to a Chase Loan or Credit Account made from a J.P. Morgan Chase checking account or J.P. Morgan Chase credit card that result in late fees, we will cover 100% of those fees. This guarantee covers everything within our control. Our guarantee does not cover losses, which you cause, or payment processing delays, which are not caused by us or within our control, such as:
As a precondition to this guarantee, you agree not to enter into any agreements where one of the purposes is to generate late payment fees. The risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you in the event you do not follow the procedures or otherwise fail to use the Bill Payment Service in accordance with the terms of this Agreement.
Qualifications & exceptions
Chase covers late fees only, not other charges.
The Guarantee applies to processing delays Chase causes.
The Guarantee covers payments made from a Chase checking account or Chase credit card.
You must not enter agreements aimed at generating late payment fees.
Not stated here
The Guarantee lists examples of delays outside Chase’s control in the list that follows the quoted sentence.
Charges & Financial Obligations · Restriction or exception
Bill Payments: eligible accounts, allowed Payees, prohibited payments and the $100,000 daily limit
Bill Payments can be one-time or Recurring payments to companies, merchants or individuals you designate as a Payee to pay bills such as rent, utilities or car payments, including Chase for payments to Chase Loan or Credit Accounts. You must have an eligible checking account, asset management account or Investment Account with Chase (or a Chase credit card for certain healthcare payments) and name one eligible account as your From Account. Eligible accounts do not include a Chase home equity line of credit or other line of credit account, except Chase credit cards. Chase can decide eligibility and restrict recipient categories in its sole discretion. Payees must be in the United States, subject to Chase’s and the Payee’s approval, and you agree not to use the service to pay tax obligations, court-ordered amounts such as alimony or child support, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. The minimum Bill Payment is normally $0.01, and the default maximum total of all Bill Payments is $100,000.00 in the aggregate for any Business Day, which Chase may modify in its sole discretion at your request without the change necessarily appearing in these Terms.
Supporting quotations
Bill Payments can be used to make one-time or Recurring Bill Payments to companies, merchants or individuals you have designated as a Payee to pay bills such as rent, utilities, or car payments (sometimes referred to as the “Bill Payment” or other trade name or trademark as determined by us from time to time). This can include us for payments to Chase Loan or Credit Accounts. You must have an eligible checking account, asset management account, or Investment Account with us in order to make Bill Payments. The eligible accounts from which a Bill Payment can be made do not include a J.P. Morgan Chase home equity line of credit or other line of credit account, except for J.P. Morgan Chase credit cards. We reserve the right to determine eligibility and to restrict categories of recipients to whom Bill Payments may be made in our sole discretion.
i. Description of the Bill Payment Service: To make Bill Payments, you must maintain an eligible checking account, asset management account, or Investment Account (or Chase credit card for certain healthcare payments as provided below) with us and designate one of your eligible accounts with us as your From Account. You may select Payees located within the United States to pay using Bill Payment, subject to our and the Payee’s approval with the following exceptions: you agree not to use the Bill Payment Service to pay Payees to whom you are obligated for tax payments, payments made pursuant to court orders including court-ordered amounts for alimony or child support, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. The minimum Bill Payment allowed is normally $0.01. The default maximum total dollar amount of all Bill Payments is $100,000.00 in the aggregate attributable to any Business Day. We may modify this limit in our sole discretion at your request, and you acknowledge that a modified limit may not be reflected in these Terms.
Qualifications & exceptions
Payees must be in the United States and approved by Chase and the Payee.
A modified limit may not be reflected in these Terms.
Charges & Financial Obligations · Permission or license
Bill Payments: you authorize payments, Payee updates and unsigned Drafts drawn on your account
You must give Chase enough online information to identify each Payee, direct your payment and let the Payee identify you as the source, and complete required fields accurately. By giving Payee names and account information, you authorize Chase to follow your Instructions and to update or change Payee information (including account information, name and mailing address) as requested by the Payee, the U.S. Post Office or through other tools Chase uses. When Chase receives an Instruction it sends funds to the Payee on your behalf from your From Account or charged to your Chase credit card, and you authorize those charges for all Bill Payments you authorize. Chase and its agents may prepare Drafts drawn on your From Account, charge your Chase credit card and/or electronically debit your From Account to make payments, and Chase may accept and charge any such Draft even if it does not bear your signature. A "Draft" is a check or other negotiable instrument prepared by Chase or its agents under your Instructions.
Supporting quotations
To use the Bill Payment Service you must provide sufficient information online to us to properly identify your Payees, direct your payment and permit the Payee to identify you as the payment source upon receipt of a payment. You must complete all required fields with accurate information, as directed by screen messages. By providing us with the names and account information of those Payees to whom you wish us to direct payment, you authorize us to follow the Instructions that we receive through the Bill Payment Service. You further authorize us to update or change any of your Payee information (including changes to account information, Payee name and mailing address) as requested or provided by your Payee, the U.S. Post Office or pursuant to any updates or changes through other tools and resources we may use from time to time to effectuate the Bill Payment. When we receive an Instruction (for a Current Day or Future Dated Bill Payment), we will send funds to the Payee on your behalf, from the funds in your From Account or charged to your J.P. Morgan Chase credit card. You authorize us to charge your designated From Account or J.P. Morgan Chase credit card, for all Bill Payments that you authorize through the Bill Payment Service. We and any agent used by us in connection with the Bill Payment Service is authorized to prepare Drafts drawn on your From Account, charge your J.P. Morgan Chase credit card, and/or electronically debit your From Account for the purpose of making payments. We are authorized to accept any Draft drawn on the From Account on presentment and charge the From Account even though it does not bear your signature where such Draft has been issued as part of the Bill Payment Service. Such Drafts may originate from us or any financial institution in the United States used by us or any of our agents.
“Draft” refers to checks, or other negotiable instruments or items prepared by us or our agents and issued pursuant to your Instructions under the Bill Payment Service.
Qualifications & exceptions
Drafts can originate from Chase or any U.S. financial institution it or its agents use.
Charges & Financial Obligations · Company practice
Bill Payments have no payment stub, so some Payees post later; delivery is electronic or by check
Because Instructions are sent from your computer or mobile device, the Bill Payment is not sent to the Payee with a payment stub. Payments received without a stub are sometimes processed at a different location, and some Payees may take longer to post them, although federal regulations may limit certain creditors, such as credit card issuers, to up to five days. Chase recommends contacting Payees to confirm the address and scheduling payments early enough to be sent and posted. Chase sends Bill Payments by electronic funds transfer or paper check depending on the Payee’s method of receiving payments (excluding Chase credit card Bill Payments), and the Delivery Method and expected lead time are shown on screen when you schedule the payment.
Supporting quotations
ii. Because your Instructions are transmitted to us on your computer or mobile device, the Bill Payment will not be sent to your Payee with the Payee’s payment stub. Payments received without the payment stub are sometimes processed at a different location. Some Payees may take longer to post the payment to your account if the payment stub is not included with the payment, although federal regulations may limit certain creditors (such as credit card issuers) to a period of up to five (5) days. For this reason, we recommend that you contact your Payees to ensure that you have the right address and that you schedule payments in sufficient time to allow for your payment to be sent to your Payee and the payment to be posted.
iii. Delivery Method (excluding J.P. Morgan Chase credit card Bill Payments): We remit two types of Bill Payments on your behalf to your Payees – electronic funds transfer and paper check, depending on your Payee’s determined method of receiving payments. The Delivery Method and lead time expected for each type of payment your Payee will ordinarily receive will be indicated on screen when your payment is scheduled.
Qualifications & exceptions
Delivery Method depends on the Payee.
Excludes Chase credit card Bill Payments.
Charges & Financial Obligations · Restriction or exception
Bill Payment Delivery Method can change; late payments from that are outside the Guarantee
A Payee’s Delivery Method can change. If a Payee stops accepting electronic payments, payments to that Payee are sent by paper check and the Send On Date moves to five Business Days before the Deliver By Date for all later payments and, with sufficient notice from the Payee, for the current payment. If a Payee starts accepting electronic payments, payments are processed electronically with the Send On Date adjusted. If an electronic payment cannot be delivered, Chase may resubmit it by check. Chase emails you only if the Delivery Method for scheduled payments changes to a slower one. Once an electronic payment shows as "Processed", Chase no longer controls or receives updates on it and you must contact the Payee. A payment sent electronically to a Payee who can no longer accept that method may be late, Chase is not responsible for resulting late charges, and late payments from Delivery Method changes are explicitly excluded from the Guarantee.
Supporting quotations
The Delivery Method for a Payee is subject to change. If a Payee no longer accepts electronic payments, payments to that Payee will be delivered by paper check and the Send On Date will be changed to five (5) Business Days before the Deliver By Date for all subsequent payments, and if the Payee provides us with sufficient notice, for the most current payment. If a Payee begins accepting electronic payments, payments to that Payee will be processed electronically and the Send On Date will be changed accordingly for all subsequent payments. In case of payment delivery errors, we will modify the payment delivery method accordingly, i.e. if an electronic payment is undeliverable or Payee cannot accept an electronic payment due to a temporary issue, the payment may be resubmitted by check. We will notify you via email if the Delivery Method indicated for your scheduled payments changes to a slower Delivery Method, i.e. one that increases the delivery time of your payment; otherwise, you will not be notified of Delivery Method changes. Once an electronic payment is indicated on screen as “Processed,” we no longer control or receive updates on the payment status and you will need to contact your Payee for further information. Please note that, in some situations, if a payment is scheduled to be sent electronically to a Payee who can no longer process payments using the Delivery Method in which it was sent, then that payment may be late and we will not be responsible for any associated late charges that might be incurred as a result. Late payments arising from changes in your Payee’s Delivery Method are explicitly excluded from coverage of our Guarantee as we have no control over your Payee’s acceptance of or changes to a particular Delivery Method.
Qualifications & exceptions
You are told only about changes to a slower Delivery Method.
Late payments arising from a Payee’s Delivery Method change are excluded from the Bill Pay Guarantee.
Charges & Financial Obligations · Restriction or exception
Select a Deliver By Date well before the due date, not the late date
Most Bill Payments are expected to arrive by the Deliver By Date, but because of circumstances beyond Chase’s control, especially slow handling and posting by Payees or financial institutions, some may take a few days longer to be credited. The source states in capital letters that you need to choose a Deliver By Date well before the actual due date (not the late date) so your payment arrives on or before the due date and not after it or during a grace period.
Supporting quotations
While it is anticipated that most Bill Payments will be delivered by the Deliver By Date, it is understood that due to circumstances beyond our control, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a few days longer to be credited by your Payee to your Payee account. FOR THIS REASON, YOU NEED TO SELECT A DELIVER BY DATE WHICH IS SUFFICIENTLY IN ADVANCE OF THE ACTUAL DUE DATE (NOT THE LATE DATE) OF YOUR PAYMENT OBLIGATION TO ENSURE THAT YOUR PAYMENT ARRIVES ON OR BEFORE YOUR DUE DATE AND NOT AFTER THE DUE DATE OR DURING THE GRACE PERIOD.
Qualifications & exceptions
The choice of date is placed on you.
Charges & Financial Obligations · Restriction or exception
Variable automatic Bill Payments may be missed if the e-Bill arrives late
You can set up variable automatic Bill Payments for select Payees participating in e-Bills. They differ from Repeating Bill Payments because they are triggered by the billing date and/or bill due date you set and the amount may vary each month. Because of circumstances beyond Chase’s control, particularly when the Payee is late providing the e-Bill or Chase receives it too close to, on or after the due date, the source says Chase may be unable to pay that bill and you must make other payment arrangements directly with the Payee. These terms apply in addition to the Repeating Bill Payment terms in the cited Section 5(b), and additional terms may be shown when you set up the payment.
Supporting quotations
iv. Additional Terms Applicable to Only Variable Automatic Bill Payments: You may now also set up variable automatic Bill Payments for select Payees participating in e-Bills. Variable automatic Bill Payments differ from Repeating Bill Payments in that variable automatic payments are triggered based on the associated billing date and/or the bill due date, as set up by you, and the payment amount may vary each month. While it is anticipated that most variable automatic Bill Payments will be delivered by the Deliver By Date you set, it is understood that due to circumstances beyond our control, particularly when your Payee is late in providing the e-Bill and/or we receive the e-Bill too close to, on, or after the bill’s due date, WE MAY BE UNABLE TO PAY THAT BILL AND YOU WILL HAVE TO MAKE ALTERNATIVE PAYMENT ARRANGEMENTS DIRECTLY WITH THE PAYEE. These terms apply in addition to the other terms applicable to Repeating Bill Payments in this Section 5(b), and additional terms for variable automatic Bill Payments may be presented to you at the time you set up the variable automatic Bill Payment.
Qualifications & exceptions
Available for select Payees participating in e-Bills.
If the e-Bill is received too late Chase may be unable to pay it.
Not stated here
Additional terms for variable automatic Bill Payments may be presented at set-up and are not in this source.
Charges & Financial Obligations · User right or choice
Cancelling Bill Payments: before the Cutoff Time on the Send On Date; credit card payments until sent
You can cancel any Pending or Funded Bill Payment no later than the Cutoff Time on the Send On Date, and funds are returned to your From Account by the following Business Day. You cannot stop a Bill Payment after the Cutoff Time has passed. For Chase credit card Bill Payments only, the Cutoff Times do not apply and you may cancel the payment any time before it is sent.
Supporting quotations
v. Canceling Bill Payments: You may cancel any Pending or Funded Bill Payment if you do so no later than the Cutoff Time, on the Send On Date. Funds will be returned to your From Account by the following Business Day. You may not stop a Bill Payment after the Cutoff Time has passed.
For J.P. Morgan Chase credit card Bill Payments only, the Cutoff Times do not apply and you may cancel the payment any time before it is sent.
Qualifications & exceptions
Chase credit card payments follow a different rule: cancel any time before sent.
Charges & Financial Obligations · Procedure
Bill Payments to Chase loans and credit accounts: Business Day payment dates and daily limit
For Bill Payments to Chase Loans or Credit Accounts, only Business Days can be chosen as Payment dates, and Instructions must be received by the Cutoff Time to receive credit that same Business Day; Instructions received on a non-Business Day or after the Cutoff Time are processed the next Business Day. For Chase home equity, personal loan or line of credit accounts, same-day payments from a Chase deposit or prepaid account made before the Cutoff Time on any day are credited with the date submitted, while Future Dated payments and payments from a non-Chase checking account must use Business Days and follow the same Cutoff rule. Payments to a Chase Loan or Credit Account from an account held by Chase can be up to the available balance in the From Account (plus any available balance in associated overdraft protection) per day. Payments to Chase credit card accounts have separate payment date options and terms shown when you give Instructions.
Supporting quotations
i. Bill Payments to Chase Loans or Credit Accounts: Only Business Days may be chosen as Payment dates for Chase Loans or Credit Accounts and Instructions must be received by us by the Cutoff Time as stated above to receive credit on that same Business Day; Instructions received on any non-Business Day or after the Cutoff Time on any Business Day will be processed on the next Business Day.
ii. Bill Payments to J.P. Morgan Chase Home Equity or Personal Loan or Line of Credit Accounts: Same-day payments using a J.P. Morgan Chase deposit or prepaid account made before the Cutoff Time as stated above on any day will be credited with the date the payment is submitted. Only Business Days may be chosen as Payment dates for Future Dated payments or payments made using a non-J.P. Morgan Chase checking account and Instructions must be received by us by the Cutoff Time as stated above to receive credit on that same Business Day; Instructions received on any non-Business Day or after the Cutoff Time on any Business Day will be processed on the next Business Day.
Bill Payments to a Chase Loan or Credit Account from an account held by us may be made in amounts of up to the available balance in your From Account (plus any available balance in any associated overdraft protection account) per day.
Note: Bill Payments to J.P. Morgan Chase credit card accounts have separate payment date options and terms that will be displayed at the time Instructions are provided by you.
Qualifications & exceptions
Rules differ for home equity, personal loan and line of credit accounts and for Chase credit card accounts.
Not stated here
The separate terms for Chase credit card account payments are shown at the time of the Instruction and are not in this source.
Charges & Financial Obligations · Procedure
Paying healthcare providers by Chase credit card: availability, cancellation until sent, no dual-control approval
If you keep an eligible checking, asset management or Investment Account and name an eligible account as your Pay From account, you may be able to use a Chase credit card to pay certain healthcare providers listed in the Bill Pay directory. The card shows as a payment option only when the provider is eligible. You may be able to schedule a one-time, future-dated or recurring payment this way and can cancel it any time before it is sent, but sent credit card payments are authorized immediately and cannot be cancelled. These terms apply in addition to, and override in a conflict, other Bill Payment terms. For Business Accounts, even if dual control is turned on, healthcare provider payments by Chase credit card are not submitted for approval.
Supporting quotations
Provided that you maintain an eligible checking account, asset management account, or Investment Account with us and designate one of your eligible accounts with us as your Pay From account, you may also have the option to use one of your J.P. Morgan Chase credit cards to pay certain healthcare providers listed in our Bill Pay directory. Your J.P. Morgan Chase credit card will be shown as one of the payment options if a healthcare provider you are trying to pay is eligible to receive J.P. Morgan Chase credit card payments. You may be able to schedule a one-time, future-dated, or recurring Bill Payment using a J.P. Morgan Chase credit card for certain healthcare providers and may cancel any such payment at any time before it is sent. Sent J.P. Morgan Chase credit card payments will be authorized immediately so you will not be able to cancel any payment after it has been sent. These terms apply in addition to and, in the event of conflict shall supersede, the other terms applicable to the Bill Payment Service.
For Business Accounts: Even if the dual control function has been turned on for the Bill Payment Service, payments to healthcare providers using a J.P. Morgan Chase credit card will not be submitted for approval.
Qualifications & exceptions
Only certain healthcare providers in the Bill Pay directory are eligible.
These terms prevail over other Bill Payment terms in a conflict.
Business Accounts: dual control approval is skipped for these payments.
Charges & Financial Obligations · Company practice
Duplicate Bill Payment requests may show a warning you can bypass
If you submit a duplicate Bill Payment request, an error message may appear on Chase’s website, but you can bypass the message and schedule the payment. A duplicate payment to a Chase Loan or Credit Account may show an error and may not be permitted. No error message appears for duplicate Bill Payments made through different methods (for example the Bill Payment Service), and those payments are processed as normal.
Supporting quotations
If you submit a duplicate Bill Payment request, an error message may be displayed on our website but you may choose to bypass the message and schedule the payment. If you submit a duplicate Bill Payment to a Chase Loan or Credit Account, an error message may be displayed and such duplicate payments may not be permitted. No error message will be displayed for duplicate Bill Payments made through different methods (e.g., the Bill Payment Service) and the payments will be processed as normal.
Qualifications & exceptions
Duplicates to Chase Loan or Credit Accounts may be blocked.
Charges & Financial Obligations · Company practice
Uncashed Bill Payment checks go stale, usually after 90 days
Paper checks issued to your Payees are not negotiable after the period noted on the check, usually ninety days. If a Payee does not cash a check within that period, Chase notifies you and credits your From Account. Chase has no liability to you, your Payee or anyone else for refusing payment on a check that remains outstanding after the negotiable period ends.
Supporting quotations
Paper checks which may be issued to your Payees are not negotiable after the designated period noted on the check, usually ninety (90) days. Occasionally, paper check payments are not cashed by your Payee within the negotiable period. When this happens, we will notify you and credit your From Account. We have no liability to you, your Payee or any other party for refusing payment on any check that remains outstanding after the end of the negotiable period.
Qualifications & exceptions
Usually ninety days, as noted on the check.
Charges & Financial Obligations · Permission or license
Chase may refuse to pay any Payee you name; some refusals need no notice
Chase reserves the right to refuse to pay any Payee you designate and will notify you promptly if it does. Chase does not have to notify you if you try to pay Payees for payments related to Prohibited Activities as defined in your deposit account agreement, tax or court-related payments, or payments to Payees outside the United States, each of which is prohibited under this Addendum.
Supporting quotations
We reserve the right to refuse to pay any Payee whom you may designate for a payment. We will notify you promptly if we decide to refuse to pay a Payee designated by you. This notification is not required if you attempt to pay any Payees for payments related to Prohibited Activities as defined in your deposit account agreement, pay tax or court related payments or payments to Payees located outside the United States, each of which is prohibited under this Addendum.
Qualifications & exceptions
No notice is required for the three prohibited categories listed.
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.
Charges & Financial Obligations · Restriction or exception
e-Bills: Payees approve requests, all account holders are bound, and you chase missing bills
Participating Payees set their own criteria and have sole discretion to accept or decline your e-Bill request; Chase does not take part in the decision, and approval generally takes up to five Business Days. By requesting electronic bills you warrant that you have the right, power and authority to receive them. Any individual borrower, account holder or authorized user on your loan, line of credit or account can enrol, and the terms apply to all of them individually and jointly regardless of who enrols. Chase takes no responsibility if a Payee does not provide the data needed to forward an e-Bill in time; if you do not receive a bill it is your responsibility to contact the Payee, Chase is not responsible for late charges or other adverse consequences, and questions about bill details go to the Payee.
Supporting quotations
c. Approval of e-Bills. Participating Payees establish their own criteria for reviewing requests to receive e-Bills and have sole discretion to accept or decline your request. We do not participate in this decision. Participating Payees generally take up to five (5) Business Days to approve an e-Bill set-up request. By requesting that bills, statements, or other related communications be sent to you electronically, you warrant that you have the right, power, and authority to receive them.
d. Individual and Joint Responsibility. Any individual borrower, account holder or authorized user on your loan, line of credit, or account can enroll in and use e-Bills. Regardless of the individual who enrolls in e-Bills, the terms of this Section apply to all borrowers/account holders/authorized users, individually and jointly.
e. Timely Delivery of e-Bills. We take no responsibility if a Payee does not provide the necessary data to forward an e-Bill in a timely manner. If you do not receive a bill, it is your responsibility to contact the Payee directly. We are not responsible for any late charges or other adverse consequences. Any questions regarding your bill details should be directed to your Payee.
Qualifications & exceptions
Approval time is generally up to five Business Days but is the Payee’s decision.
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.
Sharing & Disclosure · Permission or license
e-Bills: Chase and its vendor collect your Payee log-in details as your agent; no e-Bills fee
When you request e-Bills from a participating Payee you provide information such as a required username and password, and you authorize Chase and its third-party service provider to collect and forward it to the Payee for you, appointing them your agent for the limited purpose of completing your enrollment. If you have concerns about the Payee’s future use of that information, you should contact the Payee directly. Unless your account agreement says otherwise, Chase does not charge fees for using e-Bills.
Supporting quotations
g. Privacy. When you request e-Bills from a participating Payee you will provide certain information such as required username and password, and you authorize us and our third party service provider to collect and forward such information onto the Payee on your behalf, and you appoint us and our third party service provider as your agent for the limited purpose of completing your enrollment. If you have concerns about the future use of this information by the Payee you should contact your Payee directly.
h. Fees, Charges or Other Terms. Unless otherwise noted in your account agreement, we do not charge any fees for using e-Bills.
Qualifications & exceptions
The agency is limited to completing your enrollment.
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.
Charges & Financial Obligations · Restriction or exception
e-Bills may differ from paper bills; Chase shows them as the Payee provides
An e-Bill may or may not contain the same information as the Payee’s paper version, depending on the Payee. Chase presents e-Bills as provided by the Payee and is not responsible for any information or communications related to them, or for the acts or omissions of any Payee.
Supporting quotations
j. Accuracy or Completeness. An e-Bill may or may not have all the same information as the paper version, depending on the Payee. J.P. Morgan Chase presents the e-Bills as provided by the Payee. J.P. Morgan Chase is not responsible for any information or communications related to them, or for the acts or omissions of any Payee.
Charges & Financial Obligations · Restriction or exception
Chase is not responsible for Payees or disputes with them
Chase is not responsible for any aspect of your relationships with Payees or for their performance or non-performance, and does not act as the Payees’ service provider. Transactions between you and a Payee follow the Payee’s terms. Chase does not endorse or assume liability for any Payee you use, and has no liability for payments, returns, refunds, chargebacks, loyalty and rewards offers or benefits, or disputes between you and a Payee or other third parties.
Supporting quotations
We are not responsible for any aspect of your relationships with the Payees, or for the performance or non-performance of these third parties. We do not act as a service provider of the Payees. Transactions between you and a Payee are governed by the Payee’s terms and conditions. We do not endorse or assume any liability for any Payee you use, and we do not have any liability for payments, returns, refunds, chargebacks, loyalty and rewards related offers and benefits or any disputes between you and a Payee or other third parties.
Charges & Financial Obligations · Restriction or exception
Consumer Accounts: errors and liability are governed by your account agreement; paper-check payments differ
For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account, and for transactions from a home equity line of credit or other credit account you should see those credit documents for liability on unauthorized charges, errors or questions. You should use your Consumer Account for personal, family or household payments and your Business Account for business payments. For errors or questions about electronic fund transfers through Payments and Transfers, consult your account agreement for details and reporting time frames. If Chase tells you the Delivery Method is paper check and pays by paper check, the terms in "this Section 8" do not apply, and your rights for erroneous or unauthorized paper checks are in Section V of the Deposit Account Agreement. If Chase pays electronically, "this Section 2" applies even if Chase told you the Delivery Method was a paper check.
Supporting quotations
8. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR CONSUMER ACCOUNTS.
For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account. If you perform transactions from a home equity line of credit or other credit account, please see your home equity line of credit or other credit documents for information about your liability for unauthorized charges or other errors or questions relative to those accounts. You should use your Consumer Account to send or receive payments for personal, family, or household purposes, and you should use your Business Account to send or receive payments for business purposes. In the case of errors or questions about your electronic funds transfers made through Payments and Transfers, please consult your account agreement for details and reporting time frames.
If we tell you the Delivery Method for your payment is paper check and make the payment by paper check, the terms in this Section 8 do not apply to the payment. For information on your rights and obligations involving erroneous paper checks (including paper checks you did not authorize), see Section V of our Deposit Account Agreement. If we make the payment electronically, this Section 2 will apply to the payment even if we told you the Delivery Method for your payment is a paper check.
Qualifications & exceptions
The terms depend on whether the payment is made by paper check or electronically.
The paragraph refers to both "this Section 8" and "this Section 2".
Not stated here
The paragraph cites "this Section 8" and then "this Section 2" for the same consumer terms; the consumer terms are numbered Section 8 in this Addendum and Section 2 is Cutoff Times, so the second citation is not confirmed by the document.
The Deposit Account Agreement and the other credit documents are separate documents that are not part of this source.
Charges & Financial Obligations · Company commitment
Online and Mobile Banking Guarantee: 100% reimbursement if you report within two Business Days
For eligible consumer deposit and prepaid accounts only, if money is removed from your eligible consumer deposit accounts without your authorization through Payments and Transfers, Chase will reimburse you 100% if you tell Chase within two Business Days of discovering the unauthorized transaction. The guarantee covers only things within Chase’s control, and you are responsible for using care when exiting the system and for safely maintaining your user IDs and Passwords. For more on your rights and obligations about liability for account activity, the guarantee points to Section 8, "Additional Terms Applicable Only to Bill Payments for Consumer Accounts".
Supporting quotations
The Online and Mobile Banking Guarantee – Only for Online and Mobile Payments and Transfers (for Consumer Deposit and Prepaid Accounts Only)
In the event that money is removed from your eligible consumer deposit accounts with us without your authorization through Payments and Transfers, we will reimburse you 100% if you tell us within two Business Days of your discovery of the unauthorized transaction. This guarantee covers only things that are within our control. It is your responsibility to use care when exiting the system and safely maintain your user IDs and Passwords. See Section 8 “Additional Terms Applicable Only to Bill Payments for Consumer Accounts” for additional information about your rights and obligations regarding liability for activity on your account.
Qualifications & exceptions
Consumer deposit and prepaid accounts only.
You must report within two Business Days of discovering the unauthorized transaction.
Covers only things within Chase’s control.
Charges & Financial Obligations · Company commitment
Bill Pay Guarantee: Chase covers 100% of late fees it causes, with listed exclusions
If Chase causes processing delays of your online or mobile Bill Payments, or online or mobile payments to a Chase Loan or Credit Account made from a Chase checking account or Chase credit card, that result in late fees, Chase covers 100% of those fees. The guarantee covers everything within Chase’s control but not losses you cause or delays not caused by Chase or outside its control, such as: your failure to make the payment request by the Cutoff Time early enough for it to arrive before the Payee’s grace period begins; input errors by you or errors by Payees; your failure to notify Chase of a suspected unauthorized transaction or theft of your user ID or Password within the time periods in this Addendum and your account agreement; your failure to follow the procedures or otherwise use the service according to this Addendum; and a Payee’s change to the Delivery Method that increases processing time, or a Payee mishandling or delaying posting. As a precondition you agree not to enter into agreements one of whose purposes is to generate late payment fees, and you bear the risk of late charges if you do not follow the procedures.
Supporting quotations
9. The Bill Pay Guarantee – for Online and Mobile Bill Payments and for Online and Mobile Payments to a Chase Loan or Credit Account made from a J.P. Morgan Chase checking account
If we ever cause processing delays of your online or mobile Bill Payments or online or mobile payments to a Chase Loan or Credit Account made from a J.P. Morgan Chase checking account or J.P. Morgan Chase credit card that result in late fees, we will cover 100% of those fees. This guarantee covers everything within our control. Our guarantee does not cover losses, which you cause, or payment processing delays, which are not caused by us or within our control, such as:
Your failure to make your payment request by the Cutoff Time sufficiently in advance of the Payee’s due date for the payment to arrive on time (before the grace period begins)
Your input errors or errors made by your Payees
Your failure to notify us of any suspected unauthorized transaction from your From Account, or theft of your user ID or Password within the time periods specified in this Addendum and your account agreement. If you suspect any suspicious activity on your account with us, notify us immediately at 877-CHASEPC (877-242-7372).
Your failure to follow the procedures or to otherwise fail to use the Bill Payment Service in accordance with the terms of this Addendum.
Your Payee’s change to the Delivery Method resulting in an increase in processing time for your payments or your Payee mishandles or delays processing or posting a payment.
As a precondition to this guarantee, you agree not to enter into any agreements where one of the purposes is to generate late payment fees. The risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you in the event you do not follow the procedures or otherwise fail to use the Bill Payment Service in accordance with the terms of this Agreement.
Qualifications & exceptions
The list of exclusions is introduced by "such as", so it is not exhaustive.
Covers late fees only.
Applies to payments made from a Chase checking account or Chase credit card.
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.
Charges & Financial Obligations · Restriction or exception
Business deposit accounts: you are responsible for Password-authorized Bill Payments and for reporting on time
For business deposit accounts only, you are responsible for all Bill Payments authorized with your Password, and if you let others use the Bill Payment Service or your Password you are responsible for any transactions they authorize. Chase is not liable for errors or losses in using the service except where it fails to exercise ordinary care in processing a transaction, nor for failing to provide a service if the accounts are no longer linked for Bill Payments. Its liability is limited to the amount improperly transferred from your From Account less any amount that would have been lost even with ordinary care. Regardless of care by either party, if you fail to report an unauthorized Bill Payment or error within the time frames in your account agreement, Chase is relieved of liability for losses after that period and you are barred from asserting the claim or error. For errors or questions about electronic fund transfers, consult your account agreement.
Supporting quotations
b. Liability for Unauthorized Bill Payments for Business Deposit Accounts Only
You are responsible for all Bill Payments that are authorized using your Password. If you permit other persons to use the Bill Payment Service or your Password, you are responsible for any transactions they authorize.
We are not liable to you for any errors or losses you sustain in using the Bill Payment Service except where we fail to exercise ordinary care in processing any transaction. We are also not liable for any failure to provide any service if the account(s) involved is no longer linked for Bill Payments. Our liability in any case shall be limited to the amount of any money improperly transferred from your From Account less any amount, which, even with the exercise of ordinary care, would have been lost.
Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized Bill Payment or error from any of your accounts in accordance with the applicable time frames set forth in your account agreement shall relieve us of any liability for any losses sustained after the expiration of such reporting period and you shall thereafter be precluded from asserting any such claim or error.
c. Errors and Questions about Bill Payments for Business Deposit Accounts Only
In the case of errors or questions about your electronic funds transfers made through Payments and Transfers, please consult your account agreement for details.
Qualifications & exceptions
Applies to business deposit accounts only.
Chase’s ordinary-care standard is the stated exception to its non-liability.
Reporting time frames come from the account agreement.
Not stated here
The reporting time frames are in the account agreement, which is not part of this source.
Charges & Financial Obligations · Context
Bill Payment definitions: Draft, Payment date, Repeating
In the Bill Payment Addendum, a "Draft" is a check or other negotiable instrument or item prepared by Chase or its agents and issued under your Instructions. A "Payment date" is the date you would like your payment sent, including payment to your Chase Loan or Credit Account. "Repeating" means automatic recurring Bill Payments to the same Payee for the same amount (or a varying amount for variable automatic Bill Payments) that you can authorize for transmission.
Supporting quotations
11. Definitions
“Draft” refers to checks, or other negotiable instruments or items prepared by us or our agents and issued pursuant to your Instructions under the Bill Payment Service.
“Payment date” refers to the date you would like your payment sent, including payment to your Chase Loan or Credit Account.
“Repeating” refers to automatic recurring Bill Payments to the same Payee for the same amount (or varying amount, in the case of variable automatic Bill Payments) which you can authorize for transmission.
Charges & Financial Obligations · Context
Bill Pay Directory Addendum: business customers receiving electronic payments and remittance data
This Addendum, labelled "For Business Customers Only" and last updated 10/4/2021, governs a service that lets you electronically receive payments or remittances owed to you by your customers or other third parties ("Electronic Payments") and detailed information about them ("Remittance Information"). The Bill Payment Addendum also defines "Sent" as the status of a Bill Payment where the funds have been debited from the applicable account but the payment has not yet been posted.
Supporting quotations
“Sent” refers to the status of a Bill Payment where the funds have been debited from the applicable account, but which a Bill Payment has not yet been posted to the account.
Addendum:
Bill Pay Directory Service
(For Business Customers Only)
Last updated: 10/4/2021
This Addendum governs your use of the service that enables you to electronically receive payments or remittances owed to you by your customers or other third parties (“Electronic Payments”) and to receive detailed information related to the Electronic Payments (“Remittance Information” and collectively with the Electronic Payments, for purposes of this Addendum, the “Service”).
Qualifications & exceptions
For business customers only.
Charges & Financial Obligations · Company practice
Bill Pay Directory: you are added to the directory, payments credit your account, daily reports may be missed
Chase enables you to receive Electronic Payments and Remittance Information and you authorize Chase to add you to its bill pay directory. Chase credits each Electronic Payment directed to you to a demand deposit account you keep at J.P. Morgan Chase (the "Designated Account"), on the later of the payment date or effective entry date in the Remittance Information and the date the payment instruction is received. On each banking day you receive at least one Electronic Payment, Chase uses commercially reasonable efforts to send you a Daily Report with the Remittance Information by secure email or another method it chooses. Chase has no liability for inaccurate, incomplete or non-current Remittance Information and is not in breach or liable for any damages if it fails for any reason to deliver the Daily Reports.
Supporting quotations
We will enable you to receive Electronic Payments and Remittance Information from us, and you authorize us to add you to our bill pay directory. We will credit to a demand deposit account maintained by you at J.P. Morgan Chase (the “Designated Account”) each Electronic Payment directed to be paid to you by your customers or other third parties. Each such Electronic Payment will be transmitted for credit to the Designated Account on the later of the payment date/effective entry date specified in the Remittance Information or the date on which such Electronic Payment instruction is received by us.
On each banking day, as defined in U.C.C. § 4-104 (“Banking Day”), that you receive at least one Electronic Payment, we will use commercially reasonable efforts to deliver to you by means of secure e-mail or other method as determined by us, a report (the “Daily Report”) containing Remittance Information. We will have no liability or responsibility for any inaccurate, incomplete or non-current information contained in the Remittance Information. Notwithstanding the foregoing, in no event shall we be deemed to breach this Addendum or be liable for any damages arising from its failure to deliver such Daily Reports for any reason.
Qualifications & exceptions
Report delivery is by commercially reasonable efforts only.
Chase disclaims liability for failing to deliver reports for any reason.
Charges & Financial Obligations · Restriction or exception
Bill Pay Directory: your duties on information, email address, posting, late fees and a 24-hour error report
You agree to: give Chase all the information needed to process Electronic Payments; make sure the email address for Remittance Information is correct and accept all liability for giving an incorrect one; review all Remittance Information and make sure it is correct; make sure Electronic Payments are posted to show receipt within two days of receiving the Remittance Information; not charge your customers or other third parties a late fee for delays attributable to you; indemnify the J.P. Morgan Chase Indemnified Parties for Losses from third-party claims arising from a delay attributable to you; and tell Chase as soon as possible, and no later than 24 hours after receiving Remittance Information, of any incorrect or questionable information in it.
Supporting quotations
You agree to: (a) provide us with all information necessary to process the Electronic Payments; (b) ensure that your email address where Remittance Information will be sent is correct and assume any and all liability arising out of your provision of an incorrect email address; (c) review all Remittance Information received from us and ensure that all information contained therein is correct; (d) ensure that all Electronic Payments are posted to reflect receipt within two (2) days of receipt of the Remittance Information; (e) not assess a late fee to your customers or other third parties for delays attributable to you; (f) indemnify the J.P. Morgan Chase Indemnified Parties for any Losses in connection with any third party claim resulting or arising from a delay attributable to you; and (g) inform us as soon as possible, and in any event not later than twenty-four (24) hours after receipt of Remittance Information, of any incorrect or questionable information identified therein.
Qualifications & exceptions
The error report is due no later than 24 hours after receipt of Remittance Information.
Charges & Financial Obligations · Procedure
Bill Pay Directory: no added fees, you pay connection costs; cancellation switches payments to paper check
Chase charges no additional fees for the service, but you pay all administrative costs, including utility charges and internet access fees, to connect to and receive the service, Daily Reports and Remittance Information. You can cancel by calling Chase or online, and should call the same number to change information or reverse Electronic Payments. Chase may cancel the service at any time, and cancellation by either party takes effect within two Banking Days. Any pending, recurring or future-dated payments or transfers scheduled as of the cancel date are processed by paper check. After cancellation this Addendum no longer applies, you are removed from the bill pay directory, and payments directed to you afterwards are sent by paper check. Cancelling does not affect your other Online Services or account relationships.
Supporting quotations
We do not charge you any additional fees for using the Service. However, you will be responsible for paying for any and all administrative costs, including utility charges and/or Internet access service fees, incurred to connect with, and/or to receive, this Service and/or to receive the Daily Reports and Remittance Information.
You may cancel the Service by calling 877-CHASEPC (877-242-7372) or online. (You should also call this number to change any information or to reverse any Electronic Payments.) We may cancel the Service at any time. Cancellation by either party will be effective within two (2) Banking Days. In the event there are any pending, recurring, or future-dated payments or transfers scheduled as of the cancel date, any such payments or transfers will be processed via paper check. In the event the Service is canceled, this Addendum will no longer apply to you, you will be removed from our bill pay directory, and any payments or transfers directed to be sent to you after the cancel date will be by paper check. When you cancel this Service, such cancellation will have no impact on the other Online Services or account relationships, if any, with us.
Qualifications & exceptions
Cancellation is effective within two Banking Days.
Chase may cancel at any time.
Charges & Financial Obligations · Procedure
QuickDeposit for Mobile: eligible accounts, your device, endorsement legend and responsibility for data
This Addendum, last updated 9/22/2022, governs the Chase and J.P. Morgan QuickDeposit Service. To enrol you must be an authorized signer or owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or savings account, a J.P. Morgan Wealth Management investment account or other accounts Chase may decide in its sole discretion (each an "Eligible Account"). The Service lets you deposit to an Eligible Account by using a Chase Mobile or J.P. Morgan Mobile app and a capture device such as a smartphone to create images of the front and back of an Item and send them with related data to Chase or its processor. You must use software and hardware Chase provides or accepts and are solely responsible for information or data you or your employees or agents send or key in. Before scanning you must endorse each Item with your name and the legend "For Electronic Deposit at Chase Only" (Chase customers), "For Electronic Deposit at J.P. Morgan Only" (J.P. Morgan clients, for bank accounts) or "For Electronic Deposit at JPMS Only" (investment accounts), or as Chase otherwise instructs, and follow other procedures Chase sets from time to time. As conditions of the Service you must keep your Eligible Accounts in good standing, subscribe to the Service and comply with restrictions Chase communicates.
Supporting quotations
Addendum:
Chase and J.P. Morgan QuickDeposit for Mobile
Last updated: 9/22/2022 This Addendum governs your use of the Chase and J.P. Morgan QuickDeposit Service as further described below (for purposes of this Addendum, the “Service”).
a. In order to enroll in the Service, you must be designated as an authorized signer or owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or savings account, J.P. Morgan Wealth Management investment account and other accounts as we may determine in our sole discretion from time to time (each, an "Eligible Account"). The Service is designed to allow you to make certain deposits to an Eligible Account electronically by using a Chase Mobile or J.P. Morgan Mobile application (as applicable) and capture device (such as a smartphone or other mobile device) to (i) create electronic images of the front and back of an Item by scanning the Item and (ii) transmit it and related data to us or our designated processor for review and processing in accordance with this Addendum. As part of the Service you must use software and hardware provided by or acceptable to us. You are solely responsible for information or data that is transmitted, supplied or key-entered by you, your employees or agents. Before you scan any Item, you shall endorse all Items with your name and the legend "For Electronic Deposit at Chase Only," for Chase customers, or "For Electronic Deposit at J.P. Morgan Only," for J.P. Morgan clients for deposits to bank accounts, or "For Electronic Deposit at JPMS Only" for investment accounts, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of the Service as we may establish from time to time.
b. As conditions to Chase’s and J.P. Morgan’s provision of the Service, you shall (i) maintain the Eligible Account(s) in good standing,(ii) subscribe to the Service and (iii) comply with such restrictions on the Service as we may communicate to you from time to time.
Qualifications & exceptions
Eligible Account types can be extended by Chase in its sole discretion.
The endorsement legend depends on whether the deposit is to a Chase account, a J.P. Morgan bank account or an investment account.
Charges & Financial Obligations · Restriction or exception
QuickDeposit: do not negotiate the original check, keep it safe, and the image becomes the legal item
After an Item has been scanned and submitted, you must not transfer or negotiate the original Item, a substitute check or any other image of it. You are solely responsible for the original Item, including storage, retrieval and destruction. The electronic image of the Item or any substitute check becomes the legal representation of the Item for all purposes, including return item processing, except for funds availability, for which the text refers you to "Section 1(g) below".
Supporting quotations
c. You agree that: (i) after the Item has been scanned and submitted for deposit, you shall not otherwise transfer or negotiate the original Item, substitute check or any other image thereof; (ii) you shall be solely responsible for the original Item, including storage, retrieval and destruction; and (iii) the electronic image of the Item or any substitute check, as defined by federal law, will become the legal representation of the Item for all purposes (except for funds availability, see Section 1(g) below), including return items processing.
Qualifications & exceptions
Funds availability is carved out of the "legal representation" rule.
Not stated here
The carve-out points to Section 1(g), which covers investment check availability, while Section 1(f) covers availability for other deposits.
Charges & Financial Obligations · Procedure
QuickDeposit: day-of-deposit cutoffs of 11:00 p.m. ET for bank checks and 8:00 p.m. ET for investment checks
For bank check deposits, a scanned Item received at or before 11:00 p.m. ET on a Business Day Chase is open counts as deposited that day; one received after 11:00 p.m. ET, or on a weekend or state or federal bank holiday, counts as deposited the next business day. For investment check deposits, a scanned item received at or before 8:00 p.m. ET on a Business Day Chase is open counts as deposited that day. If the client submits after 8:00 p.m. ET, submits before but Chase reviews after 8:00 p.m. ET on a Business Day, or submits on a non-Business Day, the deposit is treated as made the next business day.
Supporting quotations
d. For bank check deposits, if we receive a scanned Item at or before 11:00 p.m. ET on a Business Day we are open, we will consider that day to be the day of deposit. If we receive a scanned Item after 11:00 p.m. ET or on a weekend or a state or federal bank holiday, we will consider that the deposit was made on the next business day.
e. For investment check deposits, if we receive a scanned item at or before 8:00 pm ET on a Business Day we are open, we will consider that day to be the day of deposit. If the client submits the check deposit after 8:00 p.m. ET on a Business Day, the client submits the check deposit before but we review after 8:00 p.m. ET on a Business Day, or the client submits the check deposit on a non-Business Day, we will consider that the deposit was made on the next business day.
Qualifications & exceptions
Investment checks reviewed after 8:00 p.m. ET are treated as next-business-day deposits even if submitted earlier.
Charges & Financial Obligations · Restriction or exception
QuickDeposit funds availability: next Business Day for bank deposits, longer holds for investment accounts
Items submitted with the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. Except for deposits to Investment accounts, funds from deposits generally will be available for withdrawal by the next Business Day after the day of deposit, but Chase may add further delays based on any other factors it decides in its sole discretion. Investment checks will usually be available for trading 1 to 3 business days after review. The amount available for trading for J.P. Morgan Self-Directed Investing accounts is limited to $25,000 for clients using the Chase mobile app and $50,000 for clients using the J.P. Morgan mobile app. All deposits into investment accounts are subject to a 7 business day withdrawal hold after review.
Supporting quotations
f. You agree that Items submitted using the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. Except for deposits to Investment accounts, funds from deposits made via the Service generally will be available for withdrawal by the next Business Day after the day of deposit. However, we may apply additional delays on the availability of funds based on any other factors as determined by us in our sole discretion. For funds availability for deposits to Investment accounts, see Section 1(g).
g. Investment checks will usually be available for trading between 1 – 3 business days after review. The amount available for trading for J.P. Morgan Self-Directed Investing accounts will be subject to a limit of $25,000 for clients using the Chase mobile app and $50,000 for clients using the J.P. Morgan mobile app. All deposits into investment accounts will be subject to a 7 business day withdrawal hold after review.
Qualifications & exceptions
Bank-account availability is "generally" the next Business Day and Chase may add delays in its sole discretion.
Investment account deposits have a separate availability rule and a 7 business day withdrawal hold.
Charges & Financial Obligations · Restriction or exception
QuickDeposit limits: $2,000 per day and $5,000 per 30 days by default, higher for some clients
For bank accounts the maximum you may deposit through the Service is $2,000 per day or $5,000 in any rolling 30-day period, unless you are a Chase Private Client ($25,000 per day or $100,000 per rolling 30 days) or a client with a J.P. Morgan Private Bank account ($100,000 per day or $500,000 per rolling 30 days). For J.P. Morgan investment accounts, the maximum is $100,000 in any rolling 30 days for taxable accounts, and for IRAs $6,000 or $7,000 per year for IRS Contributions and $500,000 in any rolling 30 days for IRS Rollovers and Direct Transfers. Chase may allow transactions above your limits and may then raise or lower that amount (but not below the disclosed limits) without notice, and may temporarily reduce your limits below the disclosed limits without notice for security reasons. The app shows your current available limit and the maximum daily and rolling 30-day amounts. Chase may change the limits or limit the number of deposits and will notify you to the extent required by law. You are responsible for accurately choosing the IRA, tax year, contribution type and other information; errors may have tax consequences and may not be fixable.
Supporting quotations
h. a. The maximum amount you may deposit through the Service for bank accounts is $2,000 per day, or $5,000 in any rolling thirty (30) day period, unless you are a (i) Chase Private Client, in which case the maximum is $25,000 per day, or $100,000 in any rolling thirty (30) day period, or a (ii) client with a J.P. Morgan Private Bank account, in which case the maximum is $100,000 per day or $500,000 in any rolling thirty (30) day period. For J.P. Morgan investment accounts, the maximum deposit amount is $100,000 in any rolling thirty (30) day period for taxable accounts and for IRAs the maximum for Contribution (as defined by the IRS) is $6,000 or $7,000 per year in accordance with IRS guidance and $500,000 for Rollovers (as defined by the IRS) and Direct Transfers (as defined by the IRS), in any rolling thirty (30) day period. However, we may allow transactions that exceed your limits, and if we do so, we may increase or decrease that amount (but not below the disclosed limits) without notice. We may temporarily reduce your limits below these disclosed limits without notice for security reasons. When you open the Service on your mobile device and select an account, the application will display your current available limit and you may view the maximum amounts we will permit you to deposit daily and on a rolling thirty (30) day basis. We reserve the right to modify the foregoing limits, and/or impose limits on the number of deposits that you transmit using the Service from time to time, and will notify you to the extent required by law. You are responsible for accurately selecting the appropriate IRA, tax year, contribution type and other information and understand that errors may have tax consequences and may not be able to be remediated.
Qualifications & exceptions
Higher limits apply to Chase Private Clients and J.P. Morgan Private Bank clients.
Chase may temporarily lower your limits for security reasons without notice.
Notice of limit changes is given only to the extent required by law.
Charges & Financial Obligations · Company practice
QuickDeposit: Chase may refuse deposits, charges no fee, and shows deposits on statements
Chase may, at its discretion, return or refuse to accept all or part of a deposit made with the Service at any time and is not liable for doing so, even if that causes outstanding checks or other debits to your account to be dishonored and returned. Chase does not charge you for using the Service. All deposits made with the Service appear on your Chase or J.P. Morgan account statements, as applicable, and in your online account activity, and you receive a receipt on your mobile device when the deposit is completed.
Supporting quotations
i. We may, at our discretion, return or refuse to accept all or any part of a deposit to your account using the Service at any time and will not be liable for doing so even if such action causes outstanding checks or other debits to your account to be dishonored and returned.
j. We do not charge you for using the Service.
k. All of your deposits using the Service will be reflected on your Chase or J.P. Morgan account statements, as applicable, and in your online account activity. You will also receive a receipt on your mobile device at the time the deposit is completed through the Service.
Qualifications & exceptions
Refusal can be of all or any part of a deposit and at any time.
Charges & Financial Obligations · Restriction or exception
QuickDeposit: the image must be legible; Chase may repair, forward as photocopy or return and charge back
The image of an Item you send must be legible. If the files or images do not meet Chase’s or its processor’s content or format requirements, Chase may, in its sole discretion, forward the Item and data as received, repair or try to repair it and then forward it, process the Item as photocopies instead of originals, or return the data and Item to you unprocessed and charge back your account.
Supporting quotations
The image of an Item transmitted to us using the Service must be legible. If the electronic files and/or images transmitted to us with respect to any Item do not comply with our or our processor’s requirements for content and/or format, we may, in our sole discretion:
further transmit the Item and data in the form received from you;
repair or attempt to repair the Item or data and then further transmit it;
process the Item as photocopies in lieu of originals; or
return the data and Item to you unprocessed and charge back your account.
Qualifications & exceptions
Which of the four options applies is in Chase’s sole discretion.
Charges & Financial Obligations · Restriction or exception
QuickDeposit warranties: accurate image, no already-paid or redeposited items
You represent, warrant and covenant that any image Chase receives accurately and legibly shows all the information on the front and back of the original Item as drawn; that the information you transmit includes all applicable MICR-line information needed for a substitute check and the accurate amount; that no one will receive a transfer, presentment or return of, or be charged for, the Item (original or any paper or electronic representation) such that they would be asked to pay on an Item already paid; and that you will not redeposit through the Service any Item previously deposited and returned to you unless Chase advises otherwise.
Supporting quotations
You represent, warrant, and covenant to us that:
any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;
the information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the Item;
no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item that has already paid;
you will not redeposit through the Service any Item previously deposited and returned to you unless we advise you otherwise;
Security & Safeguards · Restriction or exception
QuickDeposit warranties: security measures, paper-origin items, third-party authority and U.S. banks
You also warrant that you will use commercially reasonable security measures and firewalls to protect transmissions and storage and prevent unauthorized access or duplicate presentment; that you will transmit only Items that originated as paper Items; that if you deposit Items for third parties, the owner of the Item has authorized you to negotiate and electronically transmit it (stated for deposits to Investment accounts); that you will transmit only Items drawn on or payable at or through banks located in the United States; and that if you scan Items from outside the United States, the authorization covers the cross-border transmission of the Item.
Supporting quotations
you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;
you will use the Service only to transmit Items that originated as paper Items;
if you are depositing Items on behalf of third parties, the owner of the Item has authorized you to negotiate the Item and electronically transmit the Item; (for deposits to Investment accounts),
you will only transmit Item(s) that are drawn on or payable at or through banks located within the United States; and
if you are scanning Items from a location outside of the United States, such authorization covers the cross-border transmittal of the Item.
Qualifications & exceptions
The third-party owner authorization is stated for deposits to Investment accounts.
Charges & Financial Obligations · Procedure
QuickDeposit Classic for Business Banking: business-only service, endorsement and where you may scan
This Addendum, labelled "For Business Customers Only" and last updated 4/4/2024, governs the Chase QuickDeposit Service for business banking. The Service lets you deposit to an eligible account electronically by using a capture device to scan an Item and send the image and data to Chase. You must use software and hardware Chase provides or accepts, are solely responsible for information transmitted or key-entered by you, your employees or agents, and must endorse every Item with your name and the legend "For Deposit Only". Deposits made with a single-feed or multi-feed check scanner ordered from Chase may be made only from a location within the United States and its territories, while deposits via an eligible mobile device or tablet without a scanner attached may be scanned from any location. After an Item is scanned and submitted you must not transfer or negotiate the original Item, a substitute check or any other image, and you are solely responsible for original Items, including storage, retrieval and destruction.
Supporting quotations
Addendum:
Chase QuickDeposit Classic for Business Banking
(For Business Customers Only)
Last updated: 4/4/2024
This Addendum governs your use of the Chase QuickDeposit Service as described below (for purposes of this Addendum, the “Service”).
a. The Service allows you to make certain deposits to an eligible account electronically by using a capture device to create an electronic image of an Item by scanning the Item and transmitting it and related data to us. As part of the Service you must use software and hardware provided by or acceptable to us. You are solely responsible for information or data that is transmitted, supplied or key-entered by you, your employees or agents. Before you scan any Item, you shall endorse all Items with your name and the legend “For Deposit Only”.
b. Deposits made via a single feed check or multi-feed check feeder scanner (ordered from J.P. Morgan Chase) may only be made from a location within the United States and its territories. Deposits made via an eligible mobile device or eligible tablet device (without single feed or multi-feed scanner attached) may be scanned from any location.
c. You agree that after the Item has been scanned and submitted for deposit, you shall not otherwise transfer or negotiate the original Item, substitute check or any other image thereof. You further agree that you shall be solely responsible for the original Items, including storage, retrieval and destruction.
Qualifications & exceptions
Business customers only.
Scanner deposits must be made from the United States and its territories; mobile or tablet deposits can be scanned anywhere.
Charges & Financial Obligations · Restriction or exception
QuickDeposit Classic: the image is the legal item, 11:00 p.m. ET deposit cutoff and funds availability
The electronic image or any substitute check becomes the legal representation of the Item for all purposes, including return item processing, except for funds availability, for which the text points to "Section 1(f) below". A scanned Item received at or before 11:00 p.m. ET on a Business Day Chase is open counts as deposited that day; one received after 11:00 p.m. ET, or on a weekend or state or federal holiday, counts as deposited the next Business Day. Regulation CC funds availability rules do not apply to electronically transmitted images. Funds generally will be available for withdrawal by the next business day after the day of deposit, but Chase may apply additional delays based on any other factors in its sole discretion.
Supporting quotations
d. You agree that the electronic image of the Item or any substitute check, as defined by federal law, will become the legal representation of the Item for all purposes (except for funds availability, see Section 1(f) below), including return items processing.
e. If we receive a scanned Item at or before 11:00 p.m. ET on a Business Day we are open, we will consider that day to be the day of deposit. If we receive a scanned an Item after 11:00 p.m. ET or on a weekend or a state or federal holiday, we will consider that the deposit was made on the next Business Day.
f. Federal Reserve Board Regulation CC (availability of funds) does not apply when you transmit the electronic images of Items to us. Funds from deposits made via the Service generally will be available for withdrawal by the next business day after the day of deposit. However, we may apply additional delays on the availability of funds based on any other factors as determined by us in our sole discretion.
Qualifications & exceptions
Availability is "generally" the next business day and Chase may add delays in its sole discretion.
Charges & Financial Obligations · Restriction or exception
QuickDeposit Classic: Chase may refuse deposits and you pay the Exhibit A fees
Chase may return or refuse all or any part of a deposit made with the Service at any time and is not liable for doing so, even if it causes outstanding checks or other debits to be dishonored and returned. You agree to pay the fees described in Exhibit A to the Addendum.
Supporting quotations
g. We may return or refuse to accept all or any part of a deposit to your account using the Service at any time and will not be liable for doing so even if such action causes outstanding checks or other debits to your account to be dishonored and returned.
h. You agree to pay the fees described in Exhibit A attached hereto.
Not stated here
The amounts of the fees are in Exhibit A, which is read in a later section.
Charges & Financial Obligations · Restriction or exception
QuickDeposit Classic limits: displayed for mobile, $999,999,999.99 for scanners, Private Banking scanner only
You may deposit via a single-feed or multi-feed check scanner ordered from Chase, an eligible mobile device or an eligible tablet, but Private Banking clients may deposit only via a scanner. For deposits to each Business Account via a mobile device or tablet, the daily and rolling 30-day maximums are displayed within the Service before each deposit. For scanner deposits to each Business Account, the maximum is $999,999,999.99 per day and $999,999,999.99 in aggregate during any 30-day period. Private Banking clients have the same $999,999,999.99 daily and 30-day maximums per account for scanner deposits in place of the foregoing.
Supporting quotations
a. You may make deposits to your account via a single feed check or multi-feed check feeder scanner (ordered from J.P. Morgan Chase), eligible mobile device or eligible tablet device. Notwithstanding the foregoing, if you are a Private Banking client, deposits to an account may only be made via a single feed check or multi-feed check feeder scanner (ordered from J.P. Morgan Chase).
b. The maximum amount you may deposit on any day, and the maximum aggregate amount that you may deposit during any thirty
(30) day period is $999,999,999.99.
c. If you are a Private Banking client, in lieu of the foregoing, the maximum amount you may deposit to each account via a single feed check or multi-feed check feeder scanner (ordered from J.P. Morgan Chase) on any day is $999,999,999.99, and the maximum aggregate amount that you may deposit to each account during any thirty (30) day period is $999,999,999.99.
Qualifications & exceptions
Mobile and tablet limits are not stated in the text; they are shown in the Service before each deposit.
Private Banking clients may deposit only by scanner.
Not stated here
The mobile and tablet limits are displayed in the Service and are not given in the agreement text.
Charges & Financial Obligations · Restriction or exception
QuickDeposit Classic: noncompliant images may be forwarded, repaired, photocopied or returned and charged back
If the files or images sent for an Item do not meet Chase’s or its processor’s content or format requirements, Chase may, in its sole discretion, forward the Item and data as received, repair or try to repair it and then forward it, process the Item as photocopies instead of originals, or return the data and Item to you unprocessed and charge back your account.
Supporting quotations
If the electronic files and/or images transmitted to us with respect to any Item do not comply with our or our processor’s requirements for content and/or format, we may, in our sole discretion:
further transmit the Item and data in the form received from you;
repair or attempt to repair the Item or data and then further transmit it;
process the Item as photocopies in lieu of originals; or
return the data and Item to you unprocessed and charge back your account.
Charges & Financial Obligations · Restriction or exception
QuickDeposit Classic warranties: accurate image, MICR data, technical standards and no already-paid items
You represent, warrant and covenant that any image Chase receives accurately and legibly shows all information on the front and back of the original Item as drawn; that the information you send includes all MICR-line information needed for a substitute check and the accurate amount; that the Item meets the technical standards for an Electronic Item under Federal Reserve Board Regulation J or Federal Reserve Bank operating circulars and for a substitute check under Regulation CC; and that no one will receive a transfer, presentment or return of, or be charged for, the Item such that they would be asked to pay an Item already paid.
Supporting quotations
You represent, warrant, and covenant to us that:
any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;
the information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the Item;
the Item conforms to the technical standards for an Electronic Item set forth in Federal Reserve Board Regulation J, or Federal Reserve Bank operating circulars and for a substitute check set forth in Federal Reserve Board Regulation CC;
no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid;
Legal Rights & Agreement Rules · Restriction or exception
QuickDeposit Classic warranties: no redeposits, security, paper-origin items, law compliance and third-party authority
You also warrant that no one will receive a transfer, presentment or return of, or be charged for, the Item such that they would be asked to pay an Item already paid; that you will not redeposit through the Service any Item previously deposited and returned to you unless Chase advises otherwise; that you will use commercially reasonable security measures and firewalls to protect transmissions and storage and prevent unauthorized access or duplicate presentment; that you will transmit only items that originated as paper Items; that you will comply with all laws and regulations that apply to you and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority; that if you deposit Items for third parties, the Item’s owner has authorized you to negotiate and transmit it; and that if you scan from outside the United States (allowed only via an eligible mobile or tablet device), that authorization covers cross-border transmission.
Supporting quotations
no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid;
you will not redeposit through this Service any Item previously deposited and returned to you unless we advise you otherwise;
you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;
you will only transmit items that originated as paper Items;
you will comply with all laws and regulations applicable to you in your use of the Service and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority;
if the you are depositing Items on behalf of third parties, the owner of the Item has authorized you to negotiate the Item and electronically transmit the Item; and
if you are scanning Items from a location outside of the United States (only permitted via an eligible mobile device or eligible tablet device), such authorization covers the cross-border transmittal of the Item.
Qualifications & exceptions
Scanning from outside the United States is allowed only with an eligible mobile or tablet device.
Content & IP Rights · Restriction or exception
QuickDeposit Classic: only you and your Affiliates may use the Products, and you answer for them
You agree the Products will be used only by you and your Affiliates, provided each Affiliate agrees to be bound by the Addendum’s terms, and you are liable for your Affiliates’ acts and omissions in connection with the Products. "Affiliates" means entities that control, are controlled by, or are under common control with you, where "control" means directly or indirectly holding more than a 50% ownership interest in an entity.
Supporting quotations
You agree that the Products will be used only by you and your Affiliates, provided that each Affiliate agrees to be bound by the terms hereof and further that you will be liable for your Affiliates' acts and omissions in connection with the Products. For purposes of this Addendum, "Affiliates" means those entities that control, are controlled by or are under common control with you. For purposes of this definition, "control" (including with correlative meaning, controlled by, and under common control with) means the possession, directly or indirectly, of greater than a 50% ownership interest in an entity.
Qualifications & exceptions
Each Affiliate must agree to be bound by the terms.
Charges & Financial Obligations · Procedure
QuickDeposit Classic: early cancellation fee within two years, cancel by phone, no refund
If you cancel or terminate the Service before two years from your first use of it, you must pay an Early Cancellation Fee as stated in Exhibit A. You can cancel by calling the number given, and Chase may also require your request in writing. After you cancel you can no longer use the Service’s features and you will not receive a refund of any Service fee.
Supporting quotations
If you cancel or terminate the Service before the expiration of two (2) years from your first use of the Service, you shall pay an Early Cancellation Fee, as stated in Exhibit A.
You can cancel the Service by calling 800-242-7338. When you call us, we may also require you to put your request in writing. When you cancel the Service, you will no longer be able to access any of your Service features. You will not receive a refund of any Service fee if your Service is cancelled.
Qualifications & exceptions
The Early Cancellation Fee applies when cancelling before two years from first use.
No refund of any Service fee.
Charges & Financial Obligations · Company practice
QuickDeposit Classic Exhibit A fees: monthly scanner fee, scanner charges and $250 early cancellation fee
Exhibit A lists the fees. Monthly fee: $25.00 for a single-feed check feeder scanner and $50.00 for a multi-feed check feeder scanner. First scanner: no charge with a 24-month scanner agreement. Additional scanner: $300 per single-feed check scanner and $600 per multi-feed check scanner, plus applicable sales tax. Transaction fees: see your deposit account agreement. Early Cancellation Fee: $250.00. A note says the monthly fee may differ based on promotional pricing, and any differences will be disclosed and agreed before service activation.
Supporting quotations
Exhibit A to Chase QuickDeposit Classic for Business Banking Addendum
Monthly Fee*:
$25.00 for single feed check feeder scanner
$50.00 for multi-feed check feeder scanner
First Scanner:
No charge (with 24-month scanner agreement)
Additional Scanner:
$300 per single feed check scanner (plus applicable sales tax)
$600 per multi feed check scanner (plus applicable sales tax)
Transaction Fees:
See your deposit account agreement
Early Cancellation Fee:
$250.00
*Monthly fee may differ based on promotional pricing. Any differences will be disclosed and agreed to prior to service activation.
Qualifications & exceptions
The first scanner is free only with a 24-month scanner agreement.
Additional scanner prices exclude sales tax.
Monthly fee may differ for promotional pricing.
Security & Safeguards · Context
Fraud Protection Services Addendum: business customers, last updated 12/11/2025
This Addendum, labelled "For Business Customers Only" and last updated 12/11/2025, governs the fraud protection services described in it. Capitalized terms not defined take their meaning from the General Terms and Conditions, except as the Addendum says otherwise (it cites "Section 9 below", which is its Definitions section).
Supporting quotations
Addendum:
Fraud Protection Services
(For Business Customers Only)
Last updated: 12/11/2025
This Addendum governs your use of the fraud protection services described below (the "Fraud Protection Services," "FPS" or for purposes of this Addendum, the "Service"). Except as otherwise set forth in this Addendum (including Section 9 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.
Security & Safeguards · Company practice
Fraud Protection Services: free data-matching tools; Positive Pay and Reverse Positive Pay are exclusive
The Fraud Protection Services are data matching services made up of the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service. There is no fee for any of them. They are tools you may choose for eligible checking accounts to help manage risks from checks and ACH debits presented against your accounts, by letting you decide which checks are paid or returned unpaid and which ACH debits are allowed or blocked. For each eligible checking account you may enrol in the ACH Debit Block Service and either Positive Pay or Reverse Positive Pay or neither, but not both Positive Pay and Reverse Positive Pay at the same time. When you enrol in either of those two, you stop receiving original Items with your account statement. Monitoring the security dashboard daily for pending transactions is described as a best practice.
Supporting quotations
The Services are data matching services comprised of the Positive Pay Service, the Reverse Positive Pay Service, and the ACH Debit Block Service. There is no fee for any of the Fraud Protection Services. These Services are tools that you may select for eligible checking accounts to help you manage and control risks associated with the payment of Items as well as ACH debits presented against your accounts by enabling you to decide which checks are to be paid or returned unpaid as well as which ACH debits are to be allowed or blocked. For each eligible checking account, you may elect to enroll that account in the ACH Debit Block Service and either the Positive Pay Service or the Reverse Positive Pay Service or neither of them; provided, however, that you may not enroll an account in both the Positive Pay Service and the Reverse Positive Pay Service at the same time. When you enroll in either the Positive Pay Service or the Reverse Positive Pay Service, you will no longer receive the original Items with your account statement. When using Fraud Protection Services, it is a best practice to monitor the security dashboard daily for pending transactions.
Qualifications & exceptions
You cannot enrol an account in both Positive Pay and Reverse Positive Pay.
Enrolling in Positive Pay or Reverse Positive Pay ends return of original Items with statements.
Security & Safeguards · Restriction or exception
Fraud Protection eligibility: U.S. checking accounts, a possible gap when switching, and check printing rules
You must keep a checking account with Chase domiciled in the United States and denominated in U.S. Dollars. Not all checking accounts are eligible, and Chase may change the eligibility criteria and eligible accounts for any of the services at any time. You may move an account from one service to another at any time, but a change may leave a gap of a few days in which none of the Fraud Protection Services is available for that account, and you take all responsibility for liability, loss or damage during or related to that gap and agree to work with Chase to minimize it. Your checks must be printed within Chase’s guidelines in the Account Rules and Regulations.
Supporting quotations
You shall maintain a checking account with us domiciled in the United States and denominated in US Dollars. Not all checking accounts are eligible for the Fraud Protection Services, and we may change eligibility criteria and which checking accounts are eligible for any or all of the Fraud Protection Services at any time. Subject to checking account eligibility, you may also elect to unenroll a checking account from one of the Fraud Protection Services and to enroll that account in the other Fraud Protection Services at any time, but a change in the Fraud Protection Services may result in a gap period during which none of the Fraud Protection Services is available with respect to that account for a few days. You take all responsibility for any liability, loss or damage occurring during or related to that gap period and to work with us to minimize any liability, loss or damage occurring during or related to that gap period. Your checks must be printed within our guidelines as set forth in the Account Rules and Regulations.
Qualifications & exceptions
You carry responsibility for losses during a gap when switching services.
Security & Safeguards · Procedure
Fraud Protection activation: approval, and Reverse Positive Pay next day, Positive Pay in three to seven days
To use the Fraud Protection Services you must have one or more deposit accounts with Chase and request activation on Chase Online for Business. Activation is subject to Chase’s approval and Chase may require service activation codes. Reverse Positive Pay can be used the next Business Day after activation. Positive Pay is estimated to activate within three to seven Business Days after enrolment, and submitting Positive Pay Issuance Information is required. Issuance Information for Items issued and presented before the activation date is not subject to Positive Pay, while Items presented after activation are. ACH Debit Block activates within two Business Days of enrolment, and changes to an existing ACH Debit Block take effect within two Business Days.
Supporting quotations
To activate and use the Fraud Protection Services, you must have and maintain one or more deposit accounts with us, and request activation of the Fraud Protection Services by submitting the request on Chase Online for Business. Activation of the Fraud Protection Services is subject to our approval, and we may require you to enter the service activation codes that we may provide to you. The Reverse Positive Pay Service is available for use the next Business Day after activation. The estimated activation date for use of the Positive Pay Service will be within three (3) to seven (7) Business Days after Service enrollment. Submission of Positive Pay Issuance Information (as defined below) is required for Positive Pay service activation. Positive Pay Issuance Information submitted for Items issued before the activation date and presented to J.P. Morgan Chase for payment before the activation date will not be subject to the Positive Pay Service. Items presented to J.P. Morgan Chase for payment after the activation date will be subject to the Positive Pay Service. The ACH Debit Block Service will be activated within two (2) Business Days upon enrollment. Any changes made to an existing ACH Debit Block Service will be effective within two (2) Business Days after you make the change.
Qualifications & exceptions
Activation is subject to Chase’s approval.
Positive Pay timing is an estimate.
Security & Safeguards · Procedure
Positive Pay: send issuance details by 8:00 p.m. ET; the payee name is not compared
For a checking account enrolled in Positive Pay, you must give Chase, by 8:00 p.m. ET on the day you issue Items and via Chase Online or another agreed method, the account number, Item serial (check) number, dollar amount and issue date for each Item (the "Positive Pay Issuance Information"). The Positive Pay Service does not compare the payee name. The information you provide must be exactly as it appears on the Item.
Supporting quotations
a. Issuance Information. You will provide us, by 8:00 p.m. ET on the day on which you issue Items on a checking account enrolled in the Positive Pay Service, via Chase Online or another mutually agreed upon transmission method, the following issuance information for each Item: (i) account number; (ii) Item serial number (i.e., check number); (iii) dollar amount, and (iv) issue date (collectively, the “Positive Pay Issuance Information”). The Positive Pay Service does not compare the Payee name. The Positive Pay Issuance Information provided by you must be exactly as it appears on the Item.
Qualifications & exceptions
The payee name is not checked.
Information must match the Item exactly.
Security & Safeguards · Procedure
Positive Pay discrepancies: Chase notifies you next Business Day and you decide by the cutoff, or the item is returned
Chase compares the Issuance Information with the Items presented. If an Item arrives with no Issuance Information, or with information that differs, Chase notifies you through Chase Online or another method on the Business Day after the discrepant Item is presented, telling you about any difference in account number, check number or dollar amount. You can view the Item on Chase Online and must tell Chase, by the Positive Pay Service Cutoff Time on that same Business Day, whether you authorize it for payment (the "Positive Pay Presentment Decision"). Chase may rely on instructions it reasonably believes genuine. If you do not give a decision by the cutoff, Chase may return the discrepant Item, unless you agreed otherwise in writing, and may charge a returned check fee to that account or any of your other accounts. The heading says the default decision is Return.
Supporting quotations
b. Discrepancies/Default Decision is Return.
We will compare the Positive Pay Issuance Information provided by you with the corresponding information contained on the Items presented to us. If Items are presented to us for which we have not received any Positive Pay Issuance Information or containing information different from the Positive Pay Issuance Information for that Item you provided, we will notify you by means of Chase Online or another transmission method selected by us, on the Business Day following the Business Day on which the discrepant Item is presented to us. We will provide you with information about any discrepancy in the account number, Item serial number (i.e., check number), or dollar amount thereof. You may then view the discrepant Item on Chase Online, and shall advise us via Chase Online or another transmission method selected by us by the Positive Pay Service Cutoff Time on that same Business Day whether you authorize that Item for payment (the “Positive Pay Presentment Decision”).
We are entitled to rely on any instructions which we receive from you and reasonably believe to be genuine. In the event that you fail to inform us of your Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we are authorized to return such discrepant Item, unless otherwise agreed to in writing between you and us, and to charge a returned check fee to your account for such Item or to any of your other accounts.
“Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.
Qualifications & exceptions
The default decision is to return the Item if you do not decide by the cutoff.
A returned check fee can be charged to that or any of your other accounts.
The Positive Pay Service Cutoff Time is defined elsewhere in the Addendum as 4:00 PM local time at the branch where the account is maintained.
Security & Safeguards · Restriction or exception
Positive Pay: undecided mismatches are returned; Chase pays matching items without checking signatures
Chase may rely on instructions it reasonably believes genuine. If you do not give a Positive Pay Presentment Decision on a discrepant Item by the Positive Pay Service Cutoff Time, Chase may return it, unless you agreed otherwise in writing, and may charge a returned check fee to that account or any of your other accounts. Chase may pay any Item on an enrolled account for which it received matching Positive Pay Issuance Information, or that is otherwise properly payable. Chase need not keep signature cards or inspect any check for a signature or whether it is authorized, and you agree that following these procedures instead of examining signatures is good faith and ordinary care.
Supporting quotations
We are entitled to rely on any instructions which we receive from you and reasonably believe to be genuine. In the event that you fail to inform us of your Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we are authorized to return such discrepant Item, unless otherwise agreed to in writing between you and us, and to charge a returned check fee to your account for such Item or to any of your other accounts.
c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in the Positive Pay Service for which: (i) we receive Positive Pay Issuance Information, provided the Positive Pay Issuance Information matches the corresponding information for the Item, or (ii) the Item is otherwise properly payable. We are not obligated to maintain signature cards for your account and whether or not we do maintain signature cards; in no event shall we be obligated to inspect any check for the presence or authenticity of any signature or whether or not the signature is authorized. You acknowledge and agree that our adherence to these procedures, in lieu of signature examination, shall constitute the exercise of good faith and ordinary care by us in handling Items presented for payment against such account.
(a) if we do not receive any Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we may return such discrepant Item
Qualifications & exceptions
The Addendum later repeats that Chase may return a discrepant Item if no decision arrives by the Positive Pay Service Cutoff Time.
Signature examination is replaced by the Positive Pay procedures.
Security & Safeguards · Restriction or exception
Positive Pay: branch cashing of your checks is decided at the teller line and you indemnify Chase
Chase may, without liability to you, refuse to pay any Item presented for cashing at a branch. If an Item on a Positive Pay account is presented at a branch, you authorize Chase to pay or decline it based on the Positive Pay information at the teller line. Chase may charge a person who cashes an Item drawn on your account a fee if that person is not a Chase customer. You agree to unconditionally release, indemnify and hold harmless the J.P. Morgan Chase Indemnified Parties against Losses from third-party claims arising from an Item being cashed over the counter, including Chase’s refusal to cash any Item.
Supporting quotations
d. Over the Counter Presentment for Encashment. We may, without liability to you, refuse to pay any Item presented for encashment at any of our branch locations. If an Item drawn on an account enrolled in the Positive Pay Service is presented for encashment at one of our branch locations, you authorize us to pay or decline such Item based on the Positive Pay Service information at the teller line. We may charge a person who cashes an Item drawn on your account a fee if that person is not our customer. You agree to unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in connection with any third party claim resulting or arising from an Item being cashed over-the-counter, including our refusal to cash any Item.
Qualifications & exceptions
The indemnity covers third-party claims.
Security & Safeguards · Procedure
Positive Pay: mark void Items in your data, and place a stop payment if you still need to stop one
You agree to show in the Positive Pay Issuance Information that an Item is void when the Item is not in circulation. If you do not have the original Item (or have not otherwise destroyed it while in your possession) and want to stop payment on it, you must place a stop payment order for that Item.
Supporting quotations
e. Voided Items or Stop Payments. You agree to indicate in the Positive Pay Issuance Information that an Item is void with respect to Items that are not in circulation. If you are not in possession of the original Item (or have not otherwise destroyed the original Item while in your possession) and you wish to stop payment for such Item, then you must place a stop payment order for such Item.
Security & Safeguards · Procedure
Reverse Positive Pay: Chase reports presented items above your threshold; you compare them to your records
For each Item on a Reverse Positive Pay account presented for payment above any threshold amount you set, Chase notifies you by the Business Day after presentment, through Chase Online or another agreed method, of the account number, Item serial number and dollar amount (the "Reverse Positive Pay Information"). You are responsible for comparing that information with your own issuance records for each Item. Chase has no liability for any discrepancy on an Item whose amount is at or below the threshold you set for the account.
Supporting quotations
5. The Reverse Positive Pay Service.
a. Paid Information. For each Item drawn on an account enrolled in the Reverse Positive Pay Service and presented to us for payment that is in an amount greater than any threshold amount that you may establish, we will notify you, by the Business Day following presentment of the Item, the following information via Chase Online or another mutually agreed transmission method: (i) your account number; (ii) Item serial number; and (iii) dollar amount (collectively, the “Reverse Positive Pay Information”). You shall have the responsibility of comparing the Reverse Positive Pay Information with your issuance information for each Item. We shall have no liability for any discrepancy for any Item drawn on an account that is in an amount less than or equal to the threshold amount for that account established by you.
Qualifications & exceptions
Items at or below your threshold are not reported and Chase has no liability for discrepancies on them.
Security & Safeguards · Procedure
Reverse Positive Pay: you must ask for a return by the cutoff or the item may be paid
If, from the Reverse Positive Pay Information, you decide an Item should not be paid, you must by the Reverse Positive Pay Service Cutoff Time on the Business Day after presentment ask Chase to return it through Chase Online or another method Chase selects, giving the account number, Item serial number and dollar amount (the "Reverse Positive Pay Presentment Decision"). Chase may rely on any such decision it reasonably believes genuine. If you fail to review Chase’s transmission or to initiate a decision by the cutoff, the Item may be paid unless Chase agreed otherwise in writing. Chase may pay any Item for which it provided Reverse Positive Pay Information and received no timely decision, will return any Item for which it received a timely return decision, need not keep signature cards or inspect signatures, and you agree that following these procedures instead of examining signatures is good faith and ordinary care. The default decision is to pay.
Supporting quotations
b. Discrepancies/Default Decision is “Pay.” If, on the basis of the Reverse Positive Pay Information provided to you, you determine that an Item presented to us should not be paid, then, you will initiate, by means of Chase Online or another transmission method selected by us, by the Reverse Positive Pay Service Cutoff Time on the Business Day after the Business Day of presentment of an Item to us, a request to return the discrepant Item (the “Reverse Positive Pay Presentment Decision”). You shall provide details of any such discrepant Item to us including your account number, Item serial number and dollar amount. We are entitled to rely upon any Reverse Positive Pay Presentment Decision which we receive and which we reasonably believe to be genuine.
Your failure to review our transmission of Reverse Positive Pay Information or failure to initiate a Reverse Positive Pay Presentment Decision by the Reverse Positive Pay Service Cutoff Time for any Item may result in the payment of any such Item unless otherwise agreed to in writing by us.
c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in the Reverse Positive Pay Service for which we provide Reverse Positive Pay Information and do not receive a timely Reverse Positive Pay Presentment Decision. We will return any Item for which a timely Presentment Decision to return an Item is received. We are not obligated to maintain signature cards for your account and whether or not we do maintain signature cards, in no event shall we be obligated to inspect any Item for the presence or authenticity of any signature or whether or not the signature is authorized. You acknowledge that our adherence to these procedures, in lieu of signature examination, shall constitute the exercise of good faith and ordinary care by us in handling Items presented for payment against your account.
“Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.
Qualifications & exceptions
The default decision is to pay if you do not act by the cutoff.
The Reverse Positive Pay Service Cutoff Time is defined elsewhere in the Addendum as 4:00 PM local time at the branch where the account is maintained.
Security & Safeguards · Restriction or exception
Reverse Positive Pay gives little protection against branch cashing; you indemnify Chase
If an Item on a Reverse Positive Pay account is presented for cashing at a Chase branch, you authorize Chase to pay it as long as it follows its usual and customary over-the-counter procedures (as amended over time). Chase may charge a person who cashes an Item drawn on your account a fee if that person is not a Chase customer. You agree to unconditionally release, indemnify and hold harmless the J.P. Morgan Chase Indemnified Parties against Losses from third-party claims arising from an Item being cashed over the counter, including Chase’s refusal to cash any Item. You acknowledge that Reverse Positive Pay may provide little or no protection for Items presented over the counter at branches.
Supporting quotations
d. Over-the-Counter Presentment for Encashment. If an Item on any account enrolled in the Reverse Positive Pay Service is presented for encashment at one of our branch locations, you authorize us to pay the Item as long as we follow our usual and customary over-the-counter encashment procedures (as amended from time to time). We may charge a person who cashes an Item drawn on your account a fee if that person is not our customer. You agree to unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in connection with any third party claim resulting or arising from an Item being cashed over-the-counter, including our refusal to cash any Item. You acknowledge and agree that the Reverse Positive Pay Service may provide little, or no, protection to you with respect to Item presentment over-the-counter for encashment at our branches.
Qualifications & exceptions
The indemnity covers third-party claims.
Security & Safeguards · Restriction or exception
ACH Debit Block: only originators you authorize can debit your account, and you supply their ACH Company ID
When you enrol in the ACH Debit Block Service, Chase allows only originators you designate as Authorized Originators to post ACH debits to the accounts you enrol. You are solely responsible for giving Chase all necessary and correct information to add an Authorized Originator, namely the ACH Company ID, and Chase is not liable for any transaction it blocks or fails to block based on the information you give. You should confirm the ACH Company ID with each intended Authorized Originator before adding them.
Supporting quotations
6. ACH Debit Block Service
a. Authorized Originators. Upon enrollment in the ACH Debit Block Service, we will only allow originators that you designate as an Authorized Originator to post ACH debits to account(s) that you enroll. You are solely responsible for providing us with all of the necessary and correct information to add an Authorized Originator, namely, the ACH Company ID, and we will not be liable for any transaction that we block or fail to block based on the information provided by you. You should confirm the ACH Company ID with each intended Authorized Originator before adding them.
Qualifications & exceptions
Chase is not liable for blocking or failing to block based on the Company ID you provide.
Security & Safeguards · Procedure
ACH Debit Block review option: decide per debit by 9:00 PM ET or your standing instruction applies
When enabled, ACH Debit Block lets you review and override your existing block and unblock instructions for ACH transactions. Chase presents information on eligible ACH debits so you can decide per transaction whether to pay or return each, but cannot guarantee all eligible debits will be presented and is not liable for any failure to present them. You must give your instructions in the interface by the ACH Debit Block Service Cutoff Time, which is 9:00 PM ET; if you do not, Chase processes the debit per your general instruction. Chase may rely on any instruction it reasonably believes genuine, and may process a debit under your existing instructions if you take no action or your override is defective or untimely. The review option is automatically enabled for new enrolments and can be turned off on the FPS settings tab; for existing enrolments it can be turned on or off on the settings tab where available.
Supporting quotations
When enabled, ACH Debit Block allows you to review and override your existing instructions to block or unblock certain of your ACH transactions being processed. You agree to the following when this feature is enabled and you choose to use it:
We will present you with information on eligible ACH debits that are attempted to be withdrawn from your enrolled Accounts to enable you to decide on a per transaction basis whether to pay or return each attempted ACH debit. We cannot guarantee that all eligible ACH debits will be presented to you. We have no responsibility for, and shall not be liable to you in connection with, any failure to present such information;
You must provide your instructions using the interface provided for ACH Debit Block Service by the ACH Debit Block Service Cutoff Time. If you fail to do so, we will process the ACH debit per your general Instruction;
We are entitled to rely on any Instruction which we receive from you and reasonably believe to be genuine; and
We are authorized to process an ACH debit in accordance with your existing instructions if you take no action to override your instructions, or your instructions to override are defective or untimely.
The option to review will be automatically enabled for new enrollments but can be disabled on the FPS settings tab. For existing ACH Debit Block enrollments, this feature can be enabled or disabled on the settings tab where available.
“ACH Debit Block Service Cutoff Time” refers to 9:00 PM ET.
Qualifications & exceptions
Not all eligible debits are guaranteed to be presented to you.
A defective or untimely override leaves your existing instructions in force.
Security & Safeguards · Restriction or exception
Removing ACH Debit Block lets any originator debit the account again
If you remove the ACH Debit Block Service from an account, any originator will again be able to post ACH debits to that account, as they could before you enrolled it. The source states this in capital letters.
Supporting quotations
IF YOU REMOVE THE ACH DEBIT BLOCK SERVICE FROM ANY ACCOUNT, ANY ORIGINATOR WILL BE ABLE TO POST ACH DEBITS TO THAT ACCOUNT, AS THEY WOULD HAVE BEEN ABLE TO DO BEFORE YOU ENROLLED THAT ACCOUNT IN THE ACH DEBIT BLOCK SERVICE.
Security & Safeguards · Restriction or exception
ACH Debit Block: unlisted originators such as the IRS are blocked; per-originator transaction limits
Once you enrol, Chase blocks all attempts to post ACH debits by all originators not designated as Authorized Originators; any originator you have not designated is a Blocked Originator. For example, the Internal Revenue Service and other taxing authorities are Blocked Originators unless you expressly authorize them. If you set a Transaction Limit for an Authorized Originator, Chase allows its ACH debits up to that limit and blocks the full amount of any debit over the limit. If you set no Transaction Limit for an Authorized Originator, it may debit your account up to the limit set by the ACH operating rules. You may set a Transaction Limit for each Authorized Originator per enrolled account, and a Transaction Limit is the maximum amount of a single ACH debit that can be posted to your account.
Supporting quotations
b. Blocked Originators. Upon enrollment in the ACH Debit Block Service, we will block all attempts to post ACH debits to your account by all originators not designated as an Authorized Originator. For clarity, any originator not designated as an Authorized Originator by you is a Blocked Originator. To illustrate, the Internal Revenue Service as well as other taxing authorities will be Blocked Originators unless you expressly authorize them as Authorized Originators.
c. Transaction Limit. If you set a Transaction Limit for any Authorized Originator, we will:
(i) allow that Authorized Originator to post ACH debits to your account up to the Transaction Limit you set for that Authorized Originator; and (ii) block the full amount of an ACH debit any Authorized Originator attempts to post to your account if the ACH debit is over the applicable Transaction Limit. If you do not set a Transaction Limit for an Authorized Originator, that Authorized Originator may debit your account up to the limit established by the ACH operating rules. You may elect to apply a Transaction Limit for each of the Authorized Originators per enrolled account.
“Transaction Limit” refers to the maximum amount of a single ACH debit that can be posted to your account. You may set a Transaction Limit for an individual Authorized Originator.
Qualifications & exceptions
An over-limit debit is blocked for its full amount, not partly paid.
Without a Transaction Limit the ACH operating rules limit applies.
Security & Safeguards · Restriction or exception
ACH Debit Block does not stop certain debits, including Chase fees and corrections
The ACH Debit Block Service does not apply to certain transactions, which will not be blocked: debits to your account to offset ACH credit entries you originated through Chase; reversals of previously received ACH credit entries; returns or reversals by the receiving bank of ACH debit entries you originated through Chase; reclamation entries (debits); debits initiated by Chase or its agent or affiliate to correct processing errors, make back valuations or other adjustments, or for fees, charges or other amounts you owe Chase or its affiliate; debits Chase posts under its internal procedures to comply with applicable law, rules and regulations; and debits for any transaction originated before you enrolled in the service.
Supporting quotations
d. Transactions Not Affected by Blocking. This ACH Debit Block Service does not apply to certain transactions. Notwithstanding any of the foregoing, the following types of ACH transactions will not be blocked:
Debits to your account to offset any ACH credit entries
Reversals of previously-received ACH credit entries;
Returns or reversals by the RDFI
Reclamation entries (debits);
Debits to your account initiated by us or our agent or affiliate to correct processing errors, effect back valuations, or make other adjustments, or for fees, charges, or other amounts you owe us or our affiliate;
Debits to your account that we post pursuant to our internal procedures in order to comply with applicable law, rules, and regulations (including payment system rules or guidance); and
Debits to your account for any transaction originated before you enrolled
Qualifications & exceptions
The list is of transaction types that "will not be blocked".
Security & Safeguards · Permission or license
ACH Debit Block: Chase may return debits you approved, or process debits you returned, in listed cases
Chase may override your ACH debit instructions and return certain debits you approved if there are insufficient funds in your Account to cover the debit; a stop payment was previously placed on the transaction; Chase determines the transaction must be returned for fraud, risk-management, legal or regulatory reasons; or the Service is unavailable. Chase may also override your instructions and process certain ACH debits you decided to return, including debits it processes under its internal procedures, to comply with any legal requirement, payment system rule or guidance.
Supporting quotations
i. We may override your ACH debit instructions and return certain ACH debits you approve if:
there are insufficient funds in your Account to cover the ACH debit;
a stop payment was previously placed on the transaction;
we determine the transaction must be returned for fraud, risk-management, legal, or regulatory reasons; or
the Service is unavailable.
ii. We may override your ACH debit instructions and process certain ACH debits you decide to return, including ACH debits we process per our internal procedures, to comply with any legal requirement, payment system rule or guidance.
Qualifications & exceptions
The first override direction is toward returning debits you approved; the second is toward processing debits you decided to return.
Security & Safeguards · Restriction or exception
Fraud Protection outages: Chase may extend cutoffs or use alternatives, but is not required to
If the Digital Platforms generally, or the Fraud Protection Services specifically, are disrupted, Chase may, but is not obliged to, extend applicable Cutoff Times, send Positive Pay or Reverse Positive Pay Information by fax or email, and designate alternative procedures for Issuance Information and Presentment Decisions. You should call Chase Online Customer Service with any question or concern or if the services are unavailable. Despite this, if Chase receives no Positive Pay Presentment Decision on a discrepant Item by the Positive Pay Service Cutoff Time it may return the Item, and if it receives no Reverse Positive Pay Presentment Decision by the Reverse Positive Pay Service Cutoff Time it may pay the Item.
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7. Unavailability of Service/Alternative Service
In the event of a service disruption involving the Digital Platforms, generally, or the Fraud Protection Services, specifically, we may, but shall not be obligated to, extend applicable Cutoff Times, or to fax, email or otherwise send Positive Pay Information and/or Reverse Positive Pay Information to you, and we may, but shall not be obligated to, designate alternative procedures for utilization of the Fraud Protection Services and for us to receive Positive Pay Issuance Information, Positive Pay Presentment Decisions, and Reverse Positive Pay Presentment Decisions. You should call Chase Online Customer Service at 877-CHASEPC (877-242-7372) with any question or concern, or if the Fraud Protection Services are unavailable.
Notwithstanding anything to the contrary contained in this Section: (a) if we do not receive any Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we may return such discrepant Item, and (b) if we do not receive any Reverse Positive Pay Presentment Decision with respect to any Item by the Reverse Positive Pay Service Cutoff Time, we may pay any such Item.
Qualifications & exceptions
Extensions and alternatives are at Chase’s option.
The default outcomes (return for Positive Pay, pay for Reverse Positive Pay) still apply.
Security & Safeguards · Restriction or exception
The name "Fraud Protection Services" is not a warranty; the tools help you discharge your own responsibility
No representation or warranty is intended or to be inferred from the name "Fraud Protection Services", which is a label for the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service, available as data matching tools on Chase Online to help you discharge your responsibility to prevent errors and fraud in Items presented against your accounts.
Supporting quotations
8. Disclaimer
No representation or warranty of any kind or description is intended or to be inferred from the name “Fraud Protection Services,” which is a name given for the Positive Pay Service, the Reverse Positive Pay Service, and the ACH Debit Block Service available as data matching tools for your use on Chase Online to aid you to discharge your responsibility to prevent errors and fraud that may exist with respect to Items presented against your accounts.
Security & Safeguards · Context
Fraud Protection definitions: ACH Company ID, originators, cutoff times and service sections
An "ACH Company ID" is the originator’s ID as it appears on its company/batch header record. An "Authorized Originator" is an ACH Company ID you have authorized to post ACH debits to your account, and a "Blocked Originator" is one you have not authorized. The "ACH Debit Block Service Cutoff Time" is 9:00 PM ET, and the "Positive Pay Service Cutoff Time" and "Reverse Positive Pay Service Cutoff Time" are each 4:00 PM local time at the branch office where the account is maintained; "Cutoff Times" means those three. The ACH Debit Block, Positive Pay and Reverse Positive Pay Services are the services described in Sections 6, 4 and 5 of the Addendum. A "Transaction Limit" is the maximum amount of a single ACH debit that can be posted to your account and can be set per Authorized Originator.
Supporting quotations
9. Definitions
“ACH Company ID” refers to the ACH Company ID for an originator, as it appears on that originator’s company/batch header record.
“ACH Debit Block Service” refers to the services described in Section 6 of this Addendum.
“ACH Debit Block Service Cutoff Time” refers to 9:00 PM ET.
“Authorized Originator” refers to an ACH Company ID that you have authorized to post ACH debits to your account.
“Blocked Originator” refers to an ACH Company ID that you have not authorized to post ACH debits to your account.
“Cutoff Times” refers to the ACH Debit Block Service Cutoff Time, the Positive Pay Service Cutoff Time, and the Reverse Positive Pay Service Cutoff Time.
“Positive Pay Service” refers to the services described in Section 4 of this Addendum.
“Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.
“Reverse Positive Pay Service” refers to the services described in Section 5 of this Addendum.
“Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.
“Transaction Limit” refers to the maximum amount of a single ACH debit that can be posted to your account. You may set a Transaction Limit for an individual Authorized Originator.
Qualifications & exceptions
The two check-related cutoffs depend on the local time at the branch where the account is maintained.
Charges & Financial Obligations · Restriction or exception
Gifting Service: you buy digital merchant gift cards from the merchant, not from Chase
This Addendum, last updated 10/4/2021, governs the Gifting Service. You may use an eligible From Account (currently certain Chase checking accounts) to buy a digital merchant gift card to send to another Chase customer or anyone you know living in the United States. You cannot buy a physical gift card. Chase has the right to decide eligibility and restrict categories of accounts, recipients and merchants in its sole discretion. Chase provides the service through an arrangement with its gift card service provider or the merchant and the merchant’s vendor. Chase does not sell or issue the Gift Cards: you are buying from the merchant or its vendor a card that can be used only with that merchant. Chase is not responsible for damage or harm to you or any third party from a Gift Card purchase and does not warrant a Gift Card’s availability or functionality.
Supporting quotations
Addendum:
Gifting Service
Last updated: 10/4/2021
This Addendum governs your use of the Gifting Service (as defined below).
You may use your eligible From Account to buy a digital merchant gift card (“Gift Card”) to send to another J.P. Morgan Chase customer, as well as anyone you know residing in the United States (the “Gifting Service”). Eligible accounts for this service are currently certain J.P. Morgan Chase checking accounts. We have the right to determine eligibility and to restrict categories of accounts and recipients to whom Gift Cards can be sent using the Gifting Service in our sole discretion.
You cannot buy a physical gift card through the Gifting Service.
We provide the Gifting Service through an arrangement with our gift card service provider or the merchant that accepts the Gift Card and the merchant’s vendor. We have the right to determine eligibility and to restrict categories of merchants from whom Gift Cards can be purchased using the Gifting Service in our sole discretion.
We do not sell or issue the Gift Cards. When you buy a Gift Card through the Gifting Service, you are purchasing a Gift Card from the merchant or its vendor that can only be used with that merchant. We are not responsible for any damage or harm to you or any third party resulting from the purchase of a Gift Card through the Gifting Service. We do not warrant the availability or functionality of a Gift Card purchased through the Gifting Service.
Qualifications & exceptions
Eligible accounts are currently certain Chase checking accounts.
The Gift Card works only with the issuing merchant.
Charges & Financial Obligations · Restriction or exception
Gifting: the email address you enter is what counts, and a failed funding is not retried
To buy a Gift Card you enter the amount, the Send On Date and the recipient’s email address or other required information. The email must belong to the intended recipient living in the United States, and you should send Gift Cards only to people you know. You must enter the recipient’s address accurately because an error does not excuse your obligation to pay. Chase and a merchant may each limit the amount you can buy. You agree the purchase is completed using only the email address you provided, even if it identifies a different person than you intended; the name you enter helps you identify the recipient in your history but is not used to process the purchase or to confirm the recipient owns or has access to the address. Chase will not process the payment if your From Account lacks sufficient funds on the Send On Date (or at initiation for Current Day purchases); the transaction fails and Chase does not make repeat attempts.
Supporting quotations
To buy a Gift Card, you must enter the Gift Card amount, the Send On Date, and the recipient’s email address or other information as we may require. The email address must belong to the intended recipient residing in the United States. You should only use the Gifting Service to send Gift Cards to people that you know. Please make sure you accurately enter the recipient’s email address since your obligation to pay for the Gift Card will not be excused by an error in the information you enter. Both we and a merchant may limit the amount of a Gift Card you can purchase. You acknowledge and agree that the Gift Card purchase will be completed using only the email address you provided for the recipient, even if it identifies a person different from your intended recipient. The name you enter will help you identify your intended recipient and the purchase in your transaction history but will not be used to process the Gift Card purchase or to validate that the intended recipient owns or has authorized access to the email address you entered.
We will not process your payment for the Gift Card if you do not have sufficient funds in your designated From Account on the Send On Date or at the time the transaction is initiated for Current Day purchases of Gift Cards. If sufficient funds are not in the From Account on the Send On Date or at the time the transaction is initiated for Current Day purchases, the Gift Card transaction will fail and we will not make repeat attempts to debit the applicable account.
Qualifications & exceptions
Your payment obligation is not excused by an error in the recipient email.
A failed Gift Card payment is not retried.
Sharing & Disclosure · Company practice
Gifting: Chase shares your gift and recipient information with its provider, the merchant and the merchant’s vendor
Chase will share your Gift Card information, including the recipient’s information, with its gift card service provider or the merchant, who will share it with their vendor. The provider or merchant and its vendor are responsible for delivering the Gift Card to the person and email address or contact information you provided. If your payment succeeds, you authorize Chase to withdraw and transfer money from your From Account in the amount of the Gift Card, immediately or on the Send On Date, to pay the gift card service provider or merchant.
Supporting quotations
We will share your Gift Card information including recipient’s information with our gift card service provider or the merchant, who will share the information with their vendor. Our gift card service provider or the merchant and the merchant’s vendor are responsible for delivering the Gift Card to the person you choose and to the email address or other contact information you provided. If your payment for the Gift Card is successful, you authorize us to withdraw and transfer money from your From Account in the amount of the Gift Card immediately or on the Send On Date, as applicable, to pay our gift card service provider or the merchant.
Charges & Financial Obligations · Restriction or exception
Gifting limits: $100 per card, $1,000 per day and $5,000 per month
Gift Cards can be bought in amounts up to $100 per transaction, with a maximum of $1,000 per day and $5,000 in any calendar month in total from all your combined accounts registered with the Gifting Service. All limits may be temporarily reduced to protect the security of customer accounts or Chase’s processing systems. Chase may refuse any transaction that exceeds a limit, in which case you are responsible for making other arrangements or rescheduling the purchase.
Supporting quotations
Gift Cards can be purchased in amounts of up to $100 per transaction with a maximum of $1,000 per day, and $5,000 in any calendar month, in the aggregate from all your combined accounts registered with the Gifting Service. All limits are subject to temporary reductions to protect the security of customer accounts and/or our processing systems. At our discretion we may refuse to process any transaction that exceeds any of the limits. In this case, you are responsible for making alternate arrangements or rescheduling the Gift Card purchase.
Qualifications & exceptions
Limits are aggregated across all your accounts registered with the Gifting Service.
Chase may temporarily reduce limits.
Charges & Financial Obligations · Restriction or exception
Gifting: merchant terms govern the card and Chase gives no support after issuance
Chase is not responsible for acts or omissions of its gift card service provider, the merchant or their vendor. A Gift Card is subject to the terms of the merchant that accepts it and the merchant’s vendor, which Chase does not control, but nothing in those terms limits Chase’s rights or your obligations under any agreement between you and Chase. Chase does not provide Gift Card support for issues arising after issuance; you must contact the provider, merchant or vendor to resolve them.
Supporting quotations
We are not responsible for any acts or omissions by our gift card service provider
A Gift Card is subject to terms and conditions imposed by the merchant that accepts the Gift Card and the merchant’s vendor. We do not control the terms of a Gift Card purchased through the Gifting Service. Nothing in those terms and conditions limits our rights or your obligations under any agreement between you and us. We do not provide Gift Card support services related to issues arising after the issuance of the Gift Card. You must contact our gift card service provider or the merchant or their vendor to resolve issues related to a Gift Card arising after issuance of the Gift Card.
Charges & Financial Obligations · Company practice
Gifting: no monthly fee, but overdraft or credit limit charges may apply
Chase does not charge a monthly service fee for the Gifting Service. If Chase processes a payment per your Instructions that overdraws your From Account or exceeds your Chase credit card limit, it may assess a fee or charge interest under your account agreement or other applicable agreement. Fees can change from time to time upon notice to you as the law may require.
Supporting quotations
We do not charge a monthly service fee for you to use the Gifting Service. However, if we process a payment in accordance with your Instructions that overdraws your From Account with us or exceeds your J.P. Morgan Chase credit card limit, we may assess a fee or charge interest in accordance with the terms of your account agreement or other applicable agreement. Fees are subject to change from time to time upon notice to you as may be required by law.
Qualifications & exceptions
Notice of fee changes is given as required by law.
Charges & Financial Obligations · Restriction or exception
Gifting: no editing or refunds; only future-dated gift cards can be cancelled before the Send On Date; U.S. only
You may not edit or cancel a pending or processed Gift Card, but you may cancel Future Dated Gift Cards until the Send On Date. Gift Cards cannot be returned, refunded, replaced or redeemed for cash. They may be sent only to a recipient in the United States and redeemed only within the United States.
Supporting quotations
You may not edit or cancel a pending or processed Gift Card, but you may cancel any Future Dated Gift Cards up until the Send On Date.
Gift Cards cannot be returned, refunded, replaced, or redeemed for cash.
Gift Cards may only be sent to a recipient in the United States and may only be redeemed within the United States.
Qualifications & exceptions
Cancelling is possible only for Future Dated Gift Cards and only until the Send On Date.
Legal Rights & Agreement Rules · Context
Invoicing Service: a contract with WePay, a Chase subsidiary, that incorporates website policies
This Addendum, last updated June 2026, governs a service to create, edit, send (by email, text or other messaging channels), track and manage invoices for goods and services you provide to your customers ("Purchasers"). It is a legal agreement between you and WePay, Inc., a Delaware corporation and a subsidiary of JPMorgan Chase Bank, N.A. ("Chase"); "we", "our" and "us" mean WePay and Chase together. The service may be provided directly through a mobile device or through integrations with websites or applications ("Platforms"), and the Platform may have its own terms of service and privacy policy. The Agreement incorporates by reference all policies, notices and other content on chase.com and wepay.com, and policies, notices and content about the service on the Platform’s website.
Supporting quotations
Addendum: Invoicing Service
Last updated: June 2026
This Addendum governs your use of the service to create, edit, send (via email, text, or other messaging channels), track, and manage professional invoices (the “Invoicing Service”) for the goods and services you provide to share with your customers (“Purchasers”), which can include the methods by which you wish to be paid. This Addendum is a legal agreement between you and WePay, Inc., a Delaware corporation (“WePay”). WePay is a subsidiary of JPMorgan Chase Bank, N.A. (“Chase,” and collectively with WePay, “we,” “our” or “us”). Except as otherwise set forth in this Addendum, all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.
The Invoicing Service may be provided to you directly through a mobile device or through integrations with websites or applications (“Platforms”). The Platform through which you access the Service might have its own terms of service and privacy policy that apply to you. This Agreement incorporates by reference all policies, notices, and other content that appear on our websites at www.chase.com and www.wepay.com as well as policies, notices, and other content concerning the Service that appear on the Platform’s website (collectively, the “Website”).
Qualifications & exceptions
In this Addendum "we" means WePay and Chase together, which differs from other Addenda.
Platform and website policies are incorporated by reference.
Not stated here
The incorporated website policies and the Platform’s terms are separate documents that are not part of this source.
Use & Processing · Restriction or exception
Invoicing: you answer for invoice contents, keep WePay and Chase branding, and need Purchaser consent to message
You are responsible for the contents, details and terms of any invoice you give your Purchaser and agree not to change the formatting, branding or disclosures WePay or Chase includes on an invoice. You must have any consent needed from your Purchaser to send them an email or text message, and you are responsible for obtaining and keeping that consent. When you send by text or certain messaging channels, the Purchaser may see the phone number of the device you send the link from, and messaging and data rates may apply.
Supporting quotations
1. General Terms Applicable to the Invoicing Service
In connection with your use of the Invoicing Service, you agree to be responsible for contents, details, and terms and conditions associated with any invoice you provide to your Purchaser. You agree that you will not modify the formatting, branding, or disclosures included by WePay or Chase on any invoice you create. You must ensure that you have any necessary consent from your Purchaser to send an email and/or text message to them, and you acknowledge that you are responsible for obtaining and retaining such Purchaser consent. In the case of sending by text or certain messaging channels, your Purchaser may see the phone number of the device that you send the link from. Messaging and data rates may apply.
Legal Rights & Agreement Rules · Restriction or exception
Invoicing: no health information, business use only, you handle tax reporting
You may not use the Invoicing Service to store, transmit or otherwise process Protected Health Information. The service is not designed to meet HIPAA, HITECH or the HIPAA Omnibus rules and may not be used for processing, transmitting or storing electronic PHI. You agree to use it for business purposes only and not to include abusive, unrelated or inappropriate content in any invoice. The providers may end your use of the service if, in their sole and reasonable discretion, you included such content. You are solely responsible for appropriate tax reporting of all funds you collect through the service, whether for goods, services, fees or tips.
Supporting quotations
You are prohibited from using the Invoicing Service to store, transmit or otherwise
process any Protected Health Information (“PHI”). The Invoicing Service is not designed to comply with the requirements of the Health Insurance Portability and Accountability Act (“HIPAA”), Health Information Technology for Economic and Clinical Health Act (“HITECH”), the HIPAA Omnibus amendments and implementing regulations promulgated thereunder, and may not be used for the processing, transmission or storage of any electronic PHI. You agree that you will use the Invoicing Service for business purposes only, and will not include any abusive or other unrelated or inappropriate content in any invoice you create using the Invoicing Service. You further acknowledge and agree that we reserve the right to terminate your use of the Invoicing Service if we determine you have included abusive, unrelated, or inappropriate content in your use of the Invoicing Service in our sole and reasonable discretion. Furthermore, you agree that you are solely responsible for the appropriate tax reporting of all funds you collect through this service whether for goods, services, fees, or tips as applicable.
Qualifications & exceptions
Termination for inappropriate content is in the providers’ sole and reasonable discretion.
Charges & Financial Obligations · Restriction or exception
Invoicing: features can change without notice; if you edit invoices you notify Purchasers and indemnify
WePay or Chase may, in its sole discretion, limit or change the features and functionality of the Invoicing Service at any time and without prior notice to you. If you choose to edit invoices you send, you agree to tell your Purchasers about the changes and to indemnify WePay and/or Chase and be liable for any resulting chargebacks, reversals, refunds or Payment Network Liabilities.
Supporting quotations
You acknowledge and agree that WePay or Chase may, in its sole discretion, limit or change the features and functionality of the Invoicing Service at any time and without prior notice to
you. Furthermore, you acknowledge and agree that if you choose to edit the invoices you send, you agree to notify your Purchasers of any changes you make and agree to indemnify WePay and/or Chase and agree to be liable for any resulting chargebacks, reversals, refunds, or Payment Network Liabilities.
Retention & Deletion · Company practice
Invoicing: third-party hosting, suspension on reasonable notice, and 30 days to retrieve your data
The Invoicing Service is software as a service and may use third-party providers to host it, so its availability may depend on theirs. Besides other disclaimers, the providers are not liable to you or any third party if unavailability is caused by acts or omissions of a third-party service provider. They may suspend or terminate the service at any time in their sole discretion, giving written notice reasonably in advance. If they terminate it, you have thirty days from the notice date to retrieve your data and are solely responsible for accessing, retrieving and storing it in that period. After the thirty days they have no further obligation to store or maintain your data and may delete it from their systems.
Supporting quotations
2. Changes to the Invoicing Service; Termination
You acknowledge and agree that the Invoicing Service is provided as a software as a service solution, and in providing the Invoicing Service, we may utilize the services of one or more third party service providers to host the Invoicing Service. You understand and agree that the availability of the Invoicing Service may be dependent on the corresponding availability of these third party services. In addition to the other disclaimers and limitations on liability set forth herein, you acknowledge and agree that we will not be liable to you or any third party in the event that unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.
We reserve the right to suspend or terminate the Invoicing Service at any time in our sole discretion. If we elect to suspend or terminate the Invoicing Service, we will provide written notice to you reasonably in advance of such suspension or termination. If we terminate the Invoicing Service, you will have thirty (30) days from the date of notice of termination to retrieve your data from the Invoicing Service. You are solely responsible for accessing, retrieving, and storing the applicable data during the applicable thirty (30) day period. Following the applicable thirty (30) day period, we shall have no further obligation to store or maintain your data and we will have the right to delete your data from our systems.
Qualifications & exceptions
Written notice reasonably in advance is promised before suspension or termination.
Data retrieval window is thirty days from the termination notice.
Legal Rights & Agreement Rules · Restriction or exception
Invoicing is "as is"; if it fails or you lose data, your sole remedy is to stop using it
Consistent with the General Terms and Conditions, the Invoicing Service is provided "as is" and "as available" without warranties of any kind. If it stops functioning as intended, fails, you lose access to data, or it becomes unavailable to you, your sole and exclusive remedy is to stop using it. The service may use third-party hosts, so its availability may depend on theirs, and the providers are not liable to you or any third party if unavailability is caused by acts or omissions of a third-party service provider.
Supporting quotations
3. Limitation of Liability; No Warranties
In accordance with General Terms and Conditions, the additional service referenced in this Addendum (the “Invoicing Service”) are provided “as is” and “as available” without warranties of any kind. In the event that the Invoicing Service cease to function as intended or otherwise experiences a failure, you lose access to any data, and/or the Invoicing Service are no longer accessible or available to you, your sole and exclusive remedy shall be to cease using the Invoicing Service.
You acknowledge and agree that some or all of the Invoicing Service are provided as a software as a service solution, and in providing the Invoicing Service, we may utilize the services of one or more third party service providers to host the Invoicing Service. You understand and agree that the availability of the Invoicing Service, or certain features and functions thereof, may be dependent on the corresponding availability of these third party services. In addition to the other disclaimers and limitations on liability set forth herein, you acknowledge and agree that we will not be liable to you or any third party in the event that unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.
Qualifications & exceptions
The sole and exclusive remedy is to cease using the service.
Retention & Deletion · Restriction or exception
Invoicing: you bear the risk of data loss and WePay is not liable for it
In a system failure, interruption, suspension or termination affecting the additional services and features, your data may be deleted, corrupted, destroyed, damaged or otherwise lost. Except as the law provides otherwise, you assume the risk of data loss when using them and confirm you fully understand and accept it. WePay is not liable or responsible for any deletion, corruption, destruction, damage or other loss of data arising from or connected with your access to, use of (or inability to access or use), or the availability or lack of availability of the additional services and features, however caused.
Supporting quotations
IN THE EVENT OF A SYSTEM FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION AFFECTING THE ADDITIONAL SERVICES AND FEATURES, YOUR DATA MAY BE DELETED, CORRUPTED, DESTROYED, DAMAGED OR OTHERWISE LOST. EXCEPT AS OTHERWISE PROVIDED BY LAW, YOU ASSUME THE RISK OF LOSS OF DATA IN CONNECTION WITH YOUR USE OF THE ADDITIONAL SERVICES AND FEATURES. BY ACCESSING AND USING THE ADDITIONAL SERVICES AND FEATURES, YOU ACKNOWLEDGE AND AGREE THAT YOU FULLY COMPREHEND AND ACCEPT THIS RISK OF LOSS.
YOU ACKNOWLEDGE AND AGREE THAT WEPAY WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY DELETION, CORRUPTION, DESTRUCTION, DAMAGE, OR OTHER LOSS OF DATA ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF (OR INABILITY TO ACCESS OR USE), OR AVAILABILITY OF (OR LACK THEREOF) THE ADDITIONAL SERVICES AND FEATURES, HOWEVER CAUSED.
Qualifications & exceptions
"Except as otherwise provided by law" qualifies the assumption of risk.
Legal Rights & Agreement Rules · Restriction or exception
Invoicing warranty disclaimer: implied warranties last only 30 days where required by law
The providers disclaim all warranties and representations, express, statutory or implied, including merchantability, satisfactory quality, fitness for a particular purpose, dealing or trade use, and non-infringement. Where legal requirements impose an implied warranty, it ends 30 days from the date the service is first available to you. They do not warrant, endorse, guarantee or take responsibility for any product or service advertised or offered by a Platform or other third party through the service, any hyperlinked site, or any banner or advertising, and will not be a party to or monitor any transaction between you and third-party providers.
Supporting quotations
THE INVOICING SERVICE “AS IS” AND “AS AVAILABLE,” AND WE DISCLAIM ALL WARRANTIES AND REPRESENTATIONS, WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING WARRANTIES OF (A) MERCHANTABILITY, SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE, DEALING OR TRADE USE, AND (B) NON-INFRINGEMENT. WHERE LEGAL REQUIREMENTS IMPOSE AN IMPLIED WARRANTY BY US, SUCH WARRANTY ENDS 30 DAYS FROM THE DATE THE SERVICE IS FIRST AVAILABLE TO YOU.
WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A PLATFORM OR OTHER THIRD PARTY THROUGH THE INVOICING SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
Qualifications & exceptions
A legally required implied warranty ends 30 days after the service is first available to you.
Charges & Financial Obligations · Context
Wire Transfer Addendum: Online Wire Transfer and Chase Global Transfer Services, last updated 12/11/2025
This Addendum, last updated 12/11/2025, governs your use of the Online Wire Transfer and Chase Global Transfer Services (called "Funds Transfer Services", "FTS" or the "Services"), including what you can expect from Chase and the security procedures Chase takes when you use them.
Supporting quotations
Addendum:
Online Wire Transfer and Chase Global Transfer Services
Last updated: 12/11/2025
This Addendum governs your use of the Online Wire Transfer and Chase Global Transfer Services (referred to as “Funds Transfer Services” or “FTS” or for purposes of this Addendum, the “Services”) including what you can expect from us and the security procedures we will take when you use the Funds Transfer Services.
Security & Safeguards · Context
Wire scam warning: sent wires may not be recoverable, and the signs of a scam
Chase advises you to wire money only to people you know or recipients you have verified, because once a wire is sent you may not be able to recover your money. Signs of a scam listed are a requestor who sends wire instructions by email (for example for a loan closing, where details should be verified by phone), contacts you unexpectedly, claims an emergency, pressures you to pay immediately, accepts only wire, gift cards or cryptocurrency, tells you to keep it secret or how to answer questions at the bank, makes an offer that sounds too good to be true, or asks for your personal information.
Supporting quotations
1. Protect Yourself Against Wire Scams
Only wire money to people you know or recipients you have verified. Be aware of wire
scams, because once the wire is sent, you may not be able to recover your money.
Know the signs of a scam. The requestor:
Sends you wire instructions via email
Contacts you unexpectedly
Claims there is an emergency
Pressures you into paying immediately
Only accepts payments via wire, gift cards, or crypto currency
Tells you to “keep it secret”
Makes an offer or opportunity that sounds too good to be true
Asks for your personal information
Qualifications & exceptions
This is a warning and advice section, not a limit on Chase’s responsibility by itself.
Security & Safeguards · Context
Known common wire scams named by Chase
Chase lists these known common wire scams with example lines: an imposter claiming to be the IRS and demanding back taxes, a romance or new friend asking for travel money, a family emergency ("Grandma, I am in trouble"), lottery winnings requiring taxes first, an investment opportunity with a big payout, and tech support offering to fix claimed malware for a fee.
Supporting quotations
Known Common Wire Scams:
Imposter:
Romance / New Friend:
Family Emergency:
Lottery Winnings:
Investment Opportunity:
Tech Support:
Qualifications & exceptions
The list is of known common scams, not an exhaustive list.
Charges & Financial Obligations · Context
Wire Addendum covers domestic, international and consumer international funds transfers from the apps
The funds transfers governed by this Addendum, when completed through the Online Services or Mobile Services, are Domestic Funds Transfers (to a bank in the United States, including its territories), International Funds Transfers (in U.S. or foreign currencies, including through Chase Global Transfer, to a bank outside the United States) and Consumer International Funds Transfers (sent by a natural person in the United States to a beneficiary in a foreign country for personal, family or household purposes). By accepting and using FTS you agree to these terms and authorize Chase to provide Domestic or International Funds Transfers using the Online or Mobile Services. All other payments or transfers available through them are subject to separate terms.
Supporting quotations
2. Service
The following types of funds transfers, when completed using our Online Services or Mobile Services, are governed by this Addendum:
Domestic Funds Transfer: A funds transfer sent to a bank within the United States, including its territories.
International Funds Transfer: A funds transfer sent in either U.S. or foreign currencies, including using our Chase Global Transfer service, to a bank outside the United States.
Consumer International Funds Transfer: A funds transfer that is sent by a natural person in the United States to transfer funds to a beneficiary in a foreign country for personal, family, or household purposes.
By accepting and using FTS you agree to these terms and conditions and authorize us to provide you Domestic Funds Transfers or International Funds Transfers using our Online Services or Mobile Services. All other payments or transfers available through Online Services or Mobile Services are subject to terms and conditions separate from this Addendum.
Qualifications & exceptions
A Consumer International Funds Transfer is a subtype defined by the sender being a natural person in the United States and by personal, family or household purposes.
Security & Safeguards · Restriction or exception
Wire security procedures: you are responsible for transfers issued under them, even if you did not authorize them
The security procedures are only meant to help prevent unauthorized access to your account. You must be an active Online and/or Mobile Services user with a valid user ID and Password and must activate FTS before use. You should not discuss or disclose your user ID, Password, one-time code or other identity-confirming information with anyone, even someone with access to your accounts. You acknowledge that Chase offers funds transfers in person at branches with a higher level of security, which you can use instead, and that the FTS procedures are a commercially reasonable way of verifying your transfer. You are responsible for any funds transfer issued in your name using these security procedures, whether or not you actually authorized it. Before scheduling a transfer you must set up a recipient and the recipient’s financial institution, and you authenticate with a username and password and may be asked for further steps such as security questions or one-time codes. Chase may impose stricter procedures for any transfer, including a trusted device, but has no obligation to and is not liable for delays or losses if it does.
Supporting quotations
3. Security Procedures
These security procedures are only to help prevent unauthorized access to your account. You must be an active Online Services and/or Mobile Services user with a valid user ID and Password to use FTS. You should not discuss or disclose your online user ID and Password, your one-time code, or any other information that we may use to confirm your identity with any person regardless if they have access to your accounts.
You acknowledge that we offer funds transfer services in person at our branches that provide a higher level of security for your accounts, and you can use this option instead. You acknowledge the security procedures for FTS are a commercially reasonable method of verifying your funds transfer. You are responsible for any funds transfer issued in your name using these security procedures, whether or not you actually authorized the transfer. You are required to activate FTS prior to using this service. Prior to scheduling a transfer, you must establish a recipient and the financial institution that holds the recipient account. When you use this service, you will authenticate with a username and password and may, from time to time, be asked to complete additional authentication steps like security questions, one-time codes, and other methods of authentication.
We may impose stricter security procedures for any particular funds transfer you make under this service, including requiring the use of a trusted device (as defined in the deposit account agreement), but we have no obligation to do so. If we choose to impose the stricter security procedures, we will not be liable to you for any delays or losses, and we will not be obligated to impose such security procedures in the future.
Qualifications & exceptions
Responsibility attaches to transfers issued under the security procedures whether or not authorized.
Stricter procedures are at Chase’s option.
Charges & Financial Obligations · Procedure
Wire processing: same Business Day if received before cutoff, funds needed, and a daily limit across your user ID
Chase starts processing a funds transfer the same Business Day if it receives it and completes its security procedures before the cutoff times it sets. To finish processing before the cutoff Chase needs to complete any secondary internal reviews, and you must have available funds in the deposit account you designated. Chase is not obliged to accept or process transfers over your daily limit, which can change over time, and all transfers sent from all your accounts within your user ID before the cutoff for each Business Day count toward that limit. To send more than your limit you can visit any Chase branch or J.P. Morgan Financial Center.
Supporting quotations
4. Processing, Canceling, Delays and Notifications of Funds Transfers
Processing: We'll start processing your funds transfer the same Business Day if we receive it and complete our security procedures before the cutoff times we establish. In order to complete our processing before the cutoff times we establish, we need to finish any secondary internal reviews and you must have available funds in the deposit account you designated in your Instructions. We are not obligated to accept or process funds transfers that exceed your daily limit, which may change over time. All of the funds transfers sent from all your accounts within your user ID before the established cutoff time for each Business Day will count towards your daily limit. If you need to initiate a funds transfer in excess of your limit, visit any Chase branch or J.P. Morgan Financial Center.
Qualifications & exceptions
The cutoff times are set by Chase and are not stated in this section.
The daily limit may change over time and is not stated here.
Not stated here
The cutoff time and the daily limit amounts are not stated in this section.
Charges & Financial Obligations · Restriction or exception
Wires: consumer international transfers can be cancelled in 30 minutes; others generally cannot once processing starts
You can cancel a Consumer International Funds Transfer at no cost within thirty minutes after you authorize it. For all other funds transfers, once you submit a transfer for the current Business Day you cannot cancel it after Chase begins processing, but you may ask Chase to try to return the funds; if the recipient’s bank agrees your funds may be returned, but likely not the full amount sent. Chase does not automatically cancel a transfer delayed by more than five business days, and notifies you if it does cancel. Once a transfer has begun processing, Chase cannot change any type of funds transfer request unless the recipient’s bank agrees; if that bank declines, you are responsible for the transfer you first requested.
Supporting quotations
Canceling: You have the right to cancel Consumer International Funds Transfers at no cost to you within thirty (30) minutes after you have authorized us to send it. Please see the section Consumer International Funds Transfers for more information on canceling Consumer International Funds Transfers. For all other funds transfers, once you have submitted a funds transfer for the current Business Day, you cannot cancel it after we’ve begun processing, but you may request us to attempt to return the funds to you. If the recipient’s bank agrees, your funds may be returned to you, but likely not the full amount that was originally sent. We will not automatically cancel your funds transfer due to the transfer being delayed by more than five business days; if we do cancel your funds transfer we’ll notify you.
Modifying: Once a funds transfer has begun processing, we will not be able to change any type of funds transfer requests unless the recipient’s bank agrees. If the recipient’s bank declines to change the funds transfer request, you will be responsible for the transfer you initially requested.
Qualifications & exceptions
The 30-minute cancellation right is specific to Consumer International Funds Transfers.
A returned amount is likely less than the full amount sent.
Charges & Financial Obligations · Company practice
Wires: scheduled transfers are reviewed and may be held, with funds subtracted or held meanwhile
All scheduled funds transfer requests are subject to an internal review, which includes the recipient, and may not be approved. Chase may need to contact you to verify information during the review, and during the review Chase may subtract funds from your account or place a hold on your account, which can cause processing delays. After Chase releases the transfer, the recipient’s bank may delay credit because of its own internal review.
Supporting quotations
Internal Review: All scheduled funds transfer requests are subject to an internal review, which includes the recipient, and may not be approved. In addition, we may need to contact you to verify information about your funds transfer during that internal review. During our internal review, we may subtract funds from your account or place a hold on your account and it may result in processing delays. Once we have released the funds transfer, the recipient’s bank may delay credit to the recipient due to their own internal review processes.
Charges & Financial Obligations · Company practice
Wire status messages show only Chase’s processing, and you must monitor if notice fails
Chase updates the Wire Payment activity page in the Chase mobile app and chase.com or jpmorganonline.com about your transfer status, and may also email, call or text you at the email address or mobile number you provided; it may notify you verbally but is not required to. Any status information reflects only Chase’s processing and not the transfer’s status outside Chase’s systems: finishing processing does not necessarily mean the recipient has been credited. If you have no email on file, the email bounces, or Chase cannot send because of failures beyond its reasonable control, it is your responsibility to monitor your account for status, using the website, the app, a branch or Financial Center, or the call center. These notification methods are deemed commercially reasonable. Other information shown on scheduling a transfer only indicates Chase received your request, not that it accepted the transfer.
Supporting quotations
Notifications: We will update Wire Payment activity page in the Chase mobile application and chase.com or jpmorganonline.com regarding the status of your wire transfer. We may also send you an email notification or message via our Digital Platforms regarding the status of your funds transfer. If we send you an email we will use an email address you have provided. We may also call you or send you an SMS message on the status of your funds transfer. If we send you an SMS message, we will use a mobile number you have provided. We may also notify you verbally of the status of your transfer, but we are not required to do so. Any status information we provide reflects only the status of us processing your wire transfer and does not indicate the status of your wire transfer outside of our systems. For example, when we complete processing your wire transfer that does not necessarily mean it has been credited to your recipient. If you do not have an email address on file, if the email is returned undeliverable, or we are unable to send an email due to system failures or outages beyond our reasonable control, it is your responsibility to monitor your account for the status of your funds transfer. You may use chase.com or jpmorganonline.com, the Chase mobile application or contact us at a Chase branch or J.P. Morgan Financial Center or call center for the status of your transfer. These notification methods are deemed to be commercially reasonable. Any other information we may provide upon successfully scheduling a transfer is only an indication that we’ve received your request and not an indication that we’ve accepted your transfer.
Qualifications & exceptions
Status refers to Chase’s processing only.
Notification methods are "deemed" commercially reasonable.
Charges & Financial Obligations · Restriction or exception
Wires: banks use the account and routing numbers you give, even if the name does not match
Chase or any other bank involved will complete your funds transfer using the account number or bank identification number you provide, even if the numbers do not match the recipient’s or bank’s name. If you give an incorrect account number for the recipient or an incorrect routing or identification number for the recipient’s bank, you could lose the amount of the transfer.
Supporting quotations
5. Identifying Number
We or any other bank involved in the funds transfer will complete your funds transfer request using the account number or bank identification number you provide, even if the numbers do not match the recipient’s or bank’s name. If you provided us an incorrect account number for the recipient or an incorrect routing or identification number for the recipient’s bank, you could lose the amount of the transfer.
Charges & Financial Obligations · Procedure
Wires: future-dated and repeating transfers can be cancelled before 11:59 p.m. ET the day before
You may request a future-dated (one-time) or repeating funds transfer to an established recipient, except for Consumer International Funds Transfers, and it is your responsibility to update or change any monthly payment details. Repeating transfers begin processing on the same calendar day you set them up, or the prior Business Day if that day is a non-Business Day. You can cancel a future-dated or repeating transfer before 11:59 p.m. ET (8:59 p.m. Pacific Time) the calendar day before it is scheduled to begin processing, through the Online Services, Mobile Services or by contacting Chase.
Supporting quotations
6. Repeating and Future Dated Funds Transfers
You may request a future dated (one-time) or repeating funds transfer to an established recipient from your account, except for Consumer International Funds Transfers. It is your responsibility to update or change any monthly payments details.
Repeating funds transfers will begin processing on the same calendar day that you established it unless the calendar day is a non-Business Day, and then it will begin processing on the prior Business Day.
You may cancel a future dated or repeating funds transfer before 11:59 p.m. ET (8:59 p.m. Pacific Time) the calendar day before the funds transfer is scheduled to begin processing, either via our Online Services, Mobile Services or by contacting us.
Qualifications & exceptions
Not available for Consumer International Funds Transfers.
Charges & Financial Obligations · Company practice
Wire foreign exchange: Chase sets rates in its sole discretion and may earn a commission
Chase decides in its discretion which foreign currencies it sends funds transfers in, and this can change at any time. If you send a transfer in a foreign currency, you authorize Chase to subtract the amount from your account at the exchange rate it offered when you requested it, and Chase sets its rates in its sole discretion. Chase may earn a commission on foreign currency exchange and you should expect its rates to be less favorable than rates quoted online or in publications. The rate may vary among customers depending on your relationship, your products with Chase, the type of transaction, the dollar amount, currency, and the date and time of the exchange. If Chase completes a foreign exchange for you, such as converting an incoming foreign-currency wire into U.S. dollars, it may apply a rate it has established without prior notice.
Supporting quotations
7. Foreign Exchange Transfer
It is our discretion in which foreign currencies we will send fund transfers, and these can change at any time. If you send a funds transfer in a foreign currency, you authorize us to subtract the amount from your account at the exchange rate we offered at the time you requested it. The foreign exchange rates we use are determined by us in our sole discretion.
We may make a commission providing foreign currency exchange services to you. You should expect that these foreign exchange rates will be less favorable than rates quoted online or in publications. The exchange rate may vary among customers depending on your relationship, products with us, or the type of transaction being conducted, the dollar amount, type of currency, and the date and the time of the exchange. If we complete a foreign currency exchange on your behalf, such as exchanging a foreign currency incoming wire transfer into U.S. dollars , we may apply a rate we have established without prior notice to you.
Qualifications & exceptions
Rates may vary by customer and transaction.
Rates for incoming wire conversions may be applied without prior notice.
Charges & Financial Obligations · Restriction or exception
Wire foreign exchange: dated transfers use the rate on the processing date; returns and conversions by other banks
For a repeating or future-dated transfer in a foreign currency, you authorize Chase to deduct the amount at the exchange rate it offers on the date it starts processing, and you agree you are not entering a foreign currency forward or futures contract. If your initial request is returned, cancelled or changed and you request a new transfer, the current rate at the time of the new transaction applies. If funds are returned or the payment cannot be made, Chase is not liable for more than the amount of the transfer at its exchange rate when it returns the funds, less charges taken by other banks involved; a Consumer International Funds Transfer may have additional rights. If you cancel a request (other than a Consumer International transfer cancelled within thirty minutes of authorizing) and it causes Chase a loss or cost, Chase may subtract funds from your account to cover it. If the transfer is not in the currency of the recipient’s account, the recipient’s bank or another processing bank may reject or convert it, and you agree it may be converted at their exchange rate with additional fees subtracted.
Supporting quotations
If you send a repeating or future dated funds transfer in a foreign currency, you authorize us to deduct the amount from your account using the foreign exchange rate we offer on the date we start processing your funds transfer and you agree you are not entering into a foreign currency forward or futures contract with us.
If your initial request is returned, cancelled or changed, and if you request a new funds transfer, the current exchange rate at the time of the new transaction will apply. If the funds are returned or payment cannot be made for any reason, we will not be liable for more than the amount of the funds transfer at our exchange rate at the time we return the funds to you, less charges taken by any other bank involved in the funds transfer. However, if you requested a Consumer International Funds Transfer additional rights may apply. If you cancel a funds transfer request, other than a cancellation of a Consumer International Funds Transfer within thirty (30) minutes after you authorized us to send it, and it causes a loss or cost to us, we may subtract funds from your account to cover these losses.
If the funds transfer is not in the currency of the recipient’s account, the recipient’s bank or another processing bank may reject the funds transfer or convert it. If converted, you agree the funds transfer may be converted to a different currency at their exchange rate and may subtract additional fees.
Qualifications & exceptions
Consumer International Funds Transfers may have additional rights.
Cancelling a Consumer International transfer within 30 minutes does not trigger the loss-recovery clause.
Charges & Financial Obligations · Company practice
Wire fees: you pay Chase and other banks’ fees; Chase picks the transfer system
Chase may charge a fee for FTS based on your account agreement or fee schedule in effect when the wire is sent, or for certain business accounts based on the terms in effect when your next account analysis is performed. Financial institutions may deduct processing fees or charges from the wire amount, and deductions by Chase and its affiliates may include Chase processing fees. You are responsible for all fees and taxes, including Chase’s fees and fees of other funds transfer systems or banks involved. Chase may use any funds transfer system it believes reasonable to complete your request regardless of your instructions, and if Chase is also the recipient’s bank it may complete the request with an internal transfer and charge a wire transfer fee.
Supporting quotations
8. Fees and Payment Route
We may charge a fee when you use FTS based on your account agreement or fee schedule in effect when the wire is sent from your account, or for certain business accounts, based on the terms in effect when your next available account analysis is performed. Financial institutions may deduct processing fees and/or charges from the amount of the wire transfer. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase. You are responsible for all fees and taxes, including our fees and any fees charged by other funds transfer systems or banks involved in the transfer.
We may use any funds transfer system we believe reasonable to complete your request, regardless of any instructions you might give us. If we also are the recipient’s bank, we may complete your request using an internal transfer, and assess a wire transfer fee.
Qualifications & exceptions
Other banks may deduct fees from the amount received.
Not stated here
The fee amounts are in the account agreement or fee schedule, not in this section.
Legal Rights & Agreement Rules · Restriction or exception
Wire transfers follow U.S. law, UCC Article 4A and sanctions rules, which prevail over this Agreement
Use of the service is subject to all applicable U.S. federal and state laws, regulations, rules and funds transfer arrangements, including the relevant state’s Uniform Commercial Code Article 4A where applicable, which govern if they conflict with this Agreement. All your transfers must comply with U.S. laws, including regulations and economic sanctions administered by the U.S. Treasury Department’s Office of Foreign Assets Control and other applicable laws. A Consumer International Funds Transfer is also subject to additional federal laws and regulations.
Supporting quotations
9. Funds Transfer System Rules and Laws
The use of this service is subject to all applicable U.S. federal and state laws, regulations, rules and funds transfer arrangements, including the respective state’s Uniform Commercial Code Article 4A, as may be applicable, which, in the event of a conflict with this Agreement, will govern. All of your funds transfers must comply with U.S. laws, including the regulations and economic sanctions administered by the U.S. Treasury Department’s Office of Foreign Asset Control and other applicable laws.
If you make a Consumer International Funds Transfer, it is also subject to additional federal laws and regulations.
Qualifications & exceptions
Applicable law prevails in a conflict with this Agreement.
Legal Rights & Agreement Rules · Restriction or exception
Wire liability: only UCC 4A or Regulation E damages, no responsibility for other banks, no indirect damages
Chase is only responsible for performing the services specified in the Agreement. Unless otherwise agreed in writing, it is liable only for damages required to be paid under UCC 4A or, where applicable, Regulation E, subpart B. Except as Regulation E, subpart B requires, Chase is not responsible for the acts or omissions of any other person or entity, including a processor, any country’s central bank or any other financial institution, and none of them is deemed Chase’s agent. Chase is not liable for failure or delay of a funds transfer, or for failing to meet other obligations, because of circumstances beyond its control such as governmental, legal or regulatory restrictions, third-party actions, natural disasters, equipment or system failures, labor disputes, wars or riots. In no event is Chase liable for indirect, incidental, consequential, punitive or special damages, even if advised of the possibility.
Supporting quotations
10. Failure to Perform; Limitation of Liability
We are only responsible for performing the services specified in this Agreement. Except as otherwise agreed in writing, we are liable only for damages required to be paid as provided under UCC 4A or, to the extent applicable Regulation E, subpart B. Except as required by Regulation E, subpart B, as applicable, we will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed our agent. We will not be liable for the failure or delay of any funds transfer or for failing to meet other obligations in the Agreement because of circumstances or causes beyond our control, including governmental, legal or regulatory restrictions or prohibitions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Qualifications & exceptions
Regulation E, subpart B is the stated exception to the no-responsibility rule for other entities.
Liability follows UCC 4A or, where applicable, Regulation E, subpart B.
Charges & Financial Obligations · Restriction or exception
Wire errors: report within 60 days of the statement, or Chase may keep the payment
Chase is not responsible for delays or extra fees caused by your failure to tell it promptly. You must use ordinary care to check whether a transfer Chase accepted and subtracted from your account was in error or unauthorized. Except for Consumer International Funds Transfers, if there is an error or unauthorized transfer you agree to notify Chase within 60 days after it mails or makes available (for example by paperless statements) a statement showing the transfer, and you agree Chase may retain payment for the transfer unless you notify it within that 60-day period. Consumer International Funds Transfers have their own terms in a later section.
Supporting quotations
11. Contact Us in the Event of an Error
We will not be responsible for any delays in payment or additional fees caused by your failure to promptly notify us. You will exercise ordinary care to determine whether a funds transfer request we accepted and subtracted from your account was either in error or not authorized. Except for any Consumer International Funds Transfer, in the event of an error or unauthorized funds transfer, you agree to notify us within 60 days after we mail a statement reflecting the transfer or otherwise make such a statement available (for example, paperless statements). You agree that we are entitled to retain payment for a funds transfer unless you notify us within this 60-day period. For additional terms governing Consumer International Funds Transfers, please see the section Consumer International Funds Transfers.
Qualifications & exceptions
The 60-day period runs from when the statement is mailed or made available.
Consumer International Funds Transfers are excluded and follow their own section.
Charges & Financial Obligations · Restriction or exception
Consumer International Funds Transfers: a separate section that overrides the rest in a conflict
The Consumer International Funds Transfers section contains additional terms that apply only to those transfers. It does not apply to transfers to a beneficiary in the United States, transfers initiated by a non-consumer, or transfers initiated by a consumer for non-personal, non-family or non-household purposes. If its terms conflict with the rest of the Agreement or the agreement governing your funding account, this section controls for Consumer International Funds Transfers.
Supporting quotations
12. Consumer International Funds Transfers
This section contains additional terms applicable only to Consumer International Funds Transfers. This section does not apply to any funds transfer request for delivery to a beneficiary in the United States, to any funds transfer request initiated by a non-consumer, or to any funds transfer request initiated by a consumer for any non-personal, non-family, or non-household purposes. In the event of a conflict between a provision in this section and a provision in the rest of this Agreement, or in the agreement governing your funding account, the provision in this section will control with respect to Consumer International Funds Transfers.
Qualifications & exceptions
This section overrides conflicting terms for Consumer International Funds Transfers only.
Charges & Financial Obligations · Company commitment
Consumer International transfers: Chase gives pre-transfer disclosures at authorization or on a receipt
Before sending a Consumer International Funds Transfer, Chase provides important disclosures to the extent applicable: the amount to be transferred to the beneficiary, the amount and description of fees and taxes Chase imposes, the total amount of the transaction, the exchange rate if applicable, the amount of currency transferred, fees imposed by intermediaries or Chase’s agents, and the amount the beneficiary will receive. You are also given the date the funds are to be made available to the beneficiary, error resolution and cancellation right information and other disclosures, either when you authorize the transfer or on a receipt provided after you authorize it.
Supporting quotations
Prior to sending a Consumer International Funds Transfer, we will provide you with certain important disclosures regarding your transaction including, to the extent applicable: the amount that will be transferred to the beneficiary, the amount and description of any fees and taxes imposed by us, the total amount of the transaction, the exchange rate to be used if applicable, the amount of currency to be transferred, the amount and description of any fees imposed by intermediaries or our agents, and the amount that will be received by the beneficiary. In addition to the items above you will also be provided the date the funds are to be made available to the beneficiary, error resolution and cancellation right information and other disclosures. This will be provided either at the time you authorize the funds transfer or on a receipt provided after you've authorized your transaction.
Qualifications & exceptions
The disclosure list applies "to the extent applicable".
Disclosures may come at authorization or on a receipt after authorization.
Legal Rights & Agreement Rules · Restriction or exception
Consumer International transfers: Chase is liable only for Regulation E or UCC 4A damages
Except as otherwise agreed in writing, Chase is liable only for damages required to be paid under Regulation E, subpart B or, to the extent applicable, UCC 4A. Except as Regulation E, subpart B requires, Chase is not responsible for the acts or omissions of any other person or entity, including processors, any country’s central bank or other financial institutions, and none is deemed Chase’s agent. Chase is not liable for failure or delay of a transfer or other obligations because of circumstances beyond its control such as governmental restrictions, third-party actions, natural disasters, equipment or system failures, labor disputes, wars or riots, and in no event for indirect, incidental, consequential, punitive or special damages.
Supporting quotations
Except as otherwise agreed in writing, we are liable only for damages required to be paid as provided under Regulation E, subpart B or, to the extent applicable, UCC 4A. Except as required by Regulation E, subpart B, we will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed our agent. We will not be liable for the failure or delay of any funds transfer or for failing to meet other obligations in the Agreement because of circumstances or causes beyond our control, including governmental, legal or regulatory restrictions or prohibitions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots. IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Qualifications & exceptions
Regulation E, subpart B is the stated exception to the no-responsibility rule for other entities.
The general wire section lists UCC 4A first; this section lists Regulation E, subpart B first.
Charges & Financial Obligations · User right or choice
Consumer International transfers: free cancellation within 30 minutes
You have the right to cancel Consumer International Funds Transfers at no cost within 30 minutes after you authorize Chase to send them. The disclosure given when you authorized the transfer explains how to cancel.
Supporting quotations
You have the right to cancel Consumer International Funds Transfers at no cost to you within 30 minutes after you have authorized us to send it. Please refer to the disclosure we provided to you at the time you authorized the Consumer International Funds Transfer on how to cancel.
Qualifications & exceptions
Within 30 minutes of authorizing.
Charges & Financial Obligations · User right or choice
Consumer International transfer errors: tell Chase within 180 days; Chase decides within 90 days
If you think there has been an error or problem with a Consumer International Funds Transfer, you can call Chase, visit a branch or J.P. Morgan Financial Center, or send an account inquiry message on the Digital Platforms, and you must contact Chase within 180 days of the date Chase disclosed that funds would be made available to the recipient. You are asked to give your name and address; the error or problem and why you believe it is one; the recipient’s name and, if known, telephone number or address; the dollar amount of the transfer; or the confirmation code or number of the transaction. Chase determines whether an error occurred within 90 days after you contact it and corrects any error promptly, and tells you the results within three business days after completing its investigation. If no response is received Chase refunds your account for the applicable remedies. If Chase decides there was no error it sends a written explanation, and you may ask for copies of the documents it used.
Supporting quotations
If you think there has been an error or problem with your Consumer International Funds Transfer, call us at 1-855-536-1269, visit a Chase branch or J.P. Morgan Financial Center, or send an account inquiry via a message on our Digital Platforms on chase.com or jpmorganonline.com. You must contact us within 180 days of the date we disclosed to you that funds would be made available to the recipient. When you do, please tell us:
Your name and address;
The error or problem with the transfer, and why you believe it is an error or problem;
The name of the recipient, and if you know it, their telephone number or address;
The dollar amount of the transfer; or
The confirmation code or number of the transaction
We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation and will advise you of any remedies that may be available to
you. If no response is received, we will refund your account for the applicable remedies. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.
Qualifications & exceptions
The 180 days run from the date Chase disclosed when funds would be available to the recipient.
Chase’s investigation period is 90 days after you contact it.
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.
Sharing & Disclosure · Permission or license
P3 stores your card and, when you use it, Chase gives merchants, networks, PayPal and others your full card number
P3 lets you electronically store your Chase P3 Card information (adding or provisioning the card), use the stored eligible cards for transactions with merchants through P3, and use other services described in the Terms or offered from time to time. You may add any or all eligible Chase P3 Cards, including ones you obtain later, and remove them, and may choose one as the default. When you use P3 you request Chase to give the merchant, the payment network (such as Visa), PayPal and others (such as a payment processor or token service provider) your selected Chase P3 Card information, including the full account number and other information associated with the card, so the transaction can be completed and/or to support your participation in customer benefit programs such as loyalty and rewards programs maintained by Chase or those third parties. Transactions with a Chase P3 Card keep the rights and obligations in the applicable cardmember or account agreement.
Supporting quotations
1. Service Description
P3: (a) allows the electronic storing of your Chase P3 Card information, which we sometimes refer to as adding a Chase P3 Card to or provisioning a Chase P3 Card for use with P3, (b) allows you to use such stored, eligible Chase P3 Cards to enter into transactions with merchants using P3, and (c) allows other services that are described in these Terms or that we may offer from time to time. You may add or provision any or all your eligible Chase P3 Cards (e.g., those you have now and those you obtain or open in the future) onto P3, and you may also remove them, as described below. Each Chase P3 Card may be used as the payment source for your P3 transactions with merchants. When you add one or more Chase P3 Cards onto P3, you may select any one of them to be the default card. When you use P3, you request us to provide the merchant, the applicable payment network (such as Visa), PayPal, and others (such as a payment processing entity or a token service provider) your selected Chase P3 Card information, including the full account number, and other information that’s associated with the selected Chase P3 Card, to allow your transaction to be completed and/or to facilitate your participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by us or those third parties. Transactions conducted using a Chase P3 Card are subject to the same rights and obligations as stated in the applicable cardmember agreement or account agreement that governs the Chase P3 Card.
Qualifications & exceptions
Sharing happens when you use P3 and covers the full account number.
Sharing also supports loyalty and rewards programs maintained by Chase or the third parties.
Security & Safeguards · Restriction or exception
P3 credentials: disclosing them lets others transact as authorized users and shifts risk to you
Information you give Chase to use P3 must be complete and accurate. You must keep P3 passwords, PINs and user IDs ("P3 Credentials") confidential. If you disclose them to anyone, you authorize that person or entity to transact on your behalf as if they were an authorized user of your Chase P3 Cards, and you assume all risks and losses from the disclosure. If you permit anyone else to access or use your P3 Credentials you authorize their transactions and activities. You must notify Chase immediately if any P3 Credential is lost, stolen, forgotten or compromised.
Supporting quotations
2. P3 Information
You agree that any information you provide to us to use P3 will be complete and accurate. You will keep any passwords, PINs and/or user IDs that enable you to access P3 (“P3 Credentials”) confidential. If you disclose your P3 Credentials to any person(s) or entity, you are authorizing that person or entity to transact on your behalf as if they were an authorized user of your Chase P3 Cards, and you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to access or use your P3 Credentials, you are authorizing any transactions and activities performed by them. Notify us immediately if any of your P3 Credentials is lost, stolen, forgotten, or compromised.
Charges & Financial Obligations · Restriction or exception
P3 transaction history shows only authorizations and may not match your final statement
The P3 transaction history represents only Chase’s authorization of your P3 transactions and may not reflect later activity such as clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. The purchase amount, currency and other details shown may be preliminary and may not match the amount that finally clears, settles and posts to your card’s billing or monthly statement.
Supporting quotations
3. Transaction History
You agree and acknowledge that the transaction history for P3 solely represents our authorization of your P3 transactions and may not reflect any post-authorization activity, including clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. Accordingly, the purchase amount, currency, and other details for your P3 transaction history in connection with use of your Chase P3 Card may be preliminary and may not match the transaction amount that ultimately clears, settles, and posts to your Chase P3 Card’s billing or monthly statement.
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").
Legal Rights & Agreement Rules · Context
Adding a card to P3 does not change your card agreement, which is part of these Terms
When a Chase P3 Card is added to P3, the terms and agreement that govern the card do not change. The applicable cardmember or account agreement, as amended from time to time, is incorporated by reference into these Terms, and you should review it for your rights and responsibilities when making purchases through P3. P3 is another way to make purchases or other transactions with the card and may allow access to certain card features or associated rewards programs, such as paying with points. In that case the P3 Terms, the card agreement and any rewards program agreement all apply, and the P3 Terms cover only elements the card agreement and rewards agreement do not govern.
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5. Your Chase P3 Card Terms Do Not Change
When a Chase P3 Card is added or provisioned onto P3, the terms and the agreement that govern your Chase P3 Card do not change. The applicable cardmember agreement or account agreement that governs the Chase P3 Card, as amended from time to time, is incorporated by reference as part of these Terms. Please review those agreements, as applicable, for important information on your rights and responsibilities when making purchases through P3. P3 provides another way for you to make purchases or other transactions with the Chase P3 Card. P3 may also allow you to access certain features of a Chase P3 Card, or the rewards programs associated with that Chase P3 Card, such as the ability to pay with points. For avoidance of doubt, in that case, these Terms, the cardmember agreement or account agreement that governs the Chase P3 Card, and any rewards program agreement, will apply. For the avoidance of doubt, in that case, these Terms cover only those elements not governed by the cardmember agreement or account agreement that governs the Chase P3 Card, and any rewards program agreement.
Qualifications & exceptions
The P3 Terms fill gaps left by the card and rewards agreements.
Not stated here
The cardmember, account and rewards agreements are separate documents not part of this source.
Sharing & Disclosure · Restriction or exception
P3: Chase is not responsible for merchants, networks, PayPal or other third parties
Using P3 may depend on your relationships with other third parties. Chase is not responsible for any aspect of those relationships or for their performance or non-performance. Chase’s role is limited to giving information to a merchant, the payment network (such as Visa), PayPal and/or others (such as a payment processor or token service provider) so that party can honor your Chase P3 Card and/or support loyalty and rewards programs those third parties maintain. Transactions between you and a merchant are governed by the merchant’s terms and conditions.
Supporting quotations
6. J.P. Morgan Chase Is Not Responsible for Third Parties
Using P3 may depend on your relationship with other third parties. We are not responsible for any aspect of those relationships, or for the performance or non-performance of these third parties. Our role is limited to providing information to a merchant, the applicable payment network (such as Visa), PayPal, and/or others (such as a payment processing entity or a token service provider) to allow that party to honor your Chase P3 Card and/or to facilitate customer participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by those third parties. Transactions between you and a merchant are governed by the merchant’s terms and conditions.
Legal Rights & Agreement Rules · Restriction or exception
P3 use limits: no fraudulent or illegal use, and no acting as a payment intermediary
You may not, and may not allow any third party to, use P3 in connection with any fraudulent or illegal conduct, transaction or business as Chase determines in its sole discretion, or act as a payment intermediary, aggregator or service bureau yourself or for any third party, including handling, processing or transmitting funds for any third party.
Supporting quotations
7. Access and License
You may not, and will not allow or cause any third party to do the following: (a) use P3 in connection with any fraudulent or illegal conduct, transaction or business, as determined by us in our sole discretion; or (b) act as a payment intermediary, aggregator or service bureau yourself or on behalf of any third party, including, without limitation, handling, processing or transmitting funds for any third party.
Qualifications & exceptions
Whether conduct is fraudulent or illegal is determined by Chase in its sole discretion.
Sharing & Disclosure · Restriction or exception
P3 merchant offers are between you and the merchant; Chase does not endorse them
Through P3 or required Systems you may be shown merchant discounts, rebates or other offers. To use them you may have to register with the merchant or service provider, which may include giving personal information and agreeing to additional terms. Offers may not always be available and may change without notice, and Chase or a merchant may give additional terms or disclosures about them. Chase is not liable for loss or damage from your interaction with a merchant about offers. Subject to applicable law and your cardmember or account agreement, all matters about the offers, including delivery of goods and services, returns and warranties, are solely between you and the merchant. Chase does not endorse or warrant the merchants accessible through P3 or their offers.
Supporting quotations
8. Merchant Offers
Through your enrollment in P3 or required Systems, you may be presented with certain discounts, rebates or other benefits and offers (“Offers”) from merchants that may be of interest to you. In order to use these Offers, you may be required to register with the merchant or service provider, which may include providing personal information and agreeing to additional terms of use. Offers from merchants may not always be available and may change without notice. We, or any merchant, may provide you with additional terms, conditions or disclosures related to these Offers. We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your cardmember agreement or the account agreement that governs your Chase P3 Card, all matters related to these Offers, including delivery of goods and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through P3 or the Offers that they provide.
Qualifications & exceptions
"Subject to applicable law and your cardmember agreement or the account agreement" qualifies the merchant-only responsibility.
Sharing & Disclosure · Permission or license
P3 privacy: Chase shares your name, full card number and contact details; recipients then answer for them
Chase’s online privacy policy and, where appropriate, its U.S. consumer privacy notice apply to your use of P3 and your Chase P3 Card. You agree Chase may collect, use and share your personal information under those documents and to provide services you requested, including adding your card and maintaining P3. Sharing may include giving a merchant, the payment network (such as Visa), a Third Party Wallet provider, PayPal and others (such as a payment processor or token service provider) your name, full account number, card expiration date, email address, phone number, billing address and shipping address as required to complete a P3 purchase and/or support loyalty and rewards programs those third parties maintain. Chase can also share your information to make information about your card transactions available to you and to improve its ability to offer these services. Once Chase shares information with a merchant, Third Party Wallet provider, PayPal or another third party, you agree that party, not Chase, is responsible for its security and use and that your data is subject to its privacy policies. Information you give directly to a payment network or other third parties is governed by that party’s privacy policy, not Chase’s.
Supporting quotations
9. Privacy
Your privacy and the security of your information are important to us. Our online privacy policy and, where appropriate, our U.S. consumer privacy notice, as amended from time to time (available online at chase.com), applies to your use of P3 and your Chase P3 Card. You agree that we may collect, use and share your personal information in accordance with each of the online privacy policy and the U.S. consumer privacy notice, and to provide the services you have requested, including to add or include your Chase P3 Card and to maintain P3. Our sharing of your information may include providing a merchant, the applicable payment network (such as Visa), a Third Party Wallet provider, PayPal, and others (such as a payment processing entity or a token service provider) your name, full account number, card expiration date, email address, phone number, billing address, and shipping address as required to complete a purchase using P3, and/or to facilitate customer participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by those third parties. We can also share your information in order to make information available to you about your Chase P3 Card transactions, and to improve our ability to offer these services. Once we share your information with a merchant, Third Party Wallet provider, PayPal, or such other third party, you agree that the merchant or such other third party, and not J.P. Morgan Chase, is responsible for the security and use of your information, and that your data will be subject to their privacy policies. You acknowledge that the use and disclosure of any personal information provided by you directly to the payment network (such as Visa) or other third parties will be governed by such party’s privacy policy and not our online privacy policy or privacy notice.
Qualifications & exceptions
The data list is what sharing "may include", introduced as required to complete a purchase.
Responsibility for the data moves to the receiving third party once shared.
Not stated here
The online privacy policy and U.S. consumer privacy notice are separate documents not part of this source.
Legal Rights & Agreement Rules · Context
P3 Spanish note about digital wallets, and the card issuer line
A Spanish-language note says the page has information about using your Chase Visa and Mastercard card in digital wallets and tells you to call the number on the back of your card with questions. A closing line states that credit and debit card products are provided by JPMorgan Chase Bank, N.A., Member FDIC.
Supporting quotations
Esta página contiene información acerca del uso de tu tarjeta Chase Visa y Mastercard® en billeteras digitales. Si tienes alguna pregunta, por favor, llama al número que aparece en el reverso de tu tarjeta.
Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member FDIC
Qualifications & exceptions
The Spanish note is a courtesy, and the English version controls if meanings differ, under the General Terms.
Charges & Financial Obligations · Context
Real-Time Payments Addendum: sending and receiving payments, last updated 10/26/2023
This Addendum, last updated 10/26/2023, governs the service that lets you send payments to, or receive payments from, other Persons. By sending or receiving payments through it you agree to the terms of the Agreement. To return a payment you received through the service, you must contact Chase at the number given (a different number applies to J.P. Morgan Online clients). For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account.
Supporting quotations
Addendum:
Real-Time Payments Service
Last updated: 10/26/2023
This Addendum governs your use of the service that allows you to send or receive payments to other Persons (the “Real-Time Payments Service” or for purposes of this Addendum, the “Service”). By sending payments or receiving payments through the Real-Time Payments Service, you agree that you accept and will comply with the terms and conditions set forth in this Agreement. If you wish to return a payment received through the Real-Time Payments Service, you must contact us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 877-840-0723). For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account.
Qualifications & exceptions
Returning a received payment is done by contacting Chase.
Not stated here
The deposit account agreement is a separate document not part of this source.
Charges & Financial Obligations · Context
Real-Time Payments: who you can pay, payment requests and a business Vendors and Employees option
The service lets you send payments to and receive payments from Persons who bank with a financial institution participating in the Real-Time Payments System, including JPMC (each a "Service Participant"), including payments to your own accounts at other participants. If Chase enables it, you can also receive and send requests for payment with Persons at Service Participants. The service also includes "Real-Time Payments Service for Vendors and Employees", which lets you pay vendors and/or employees, but only if you have a Business Account and are enrolled in ACH Payment Services.
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1. About the Real-Time Payments Service
The Real-Time Payments Service enables you to send payments to and receive payments from Persons that bank with a financial institution that participates in the Real-Time Payments System, including JPMC (each a “Service Participant”), which includes the ability to send payments to your accounts with other Service Participants. In addition, if enabled by us, you can use the Real-Time Payments Service to receive requests for payment from Persons that bank with Service Participants and to send requests for payment to Persons that bank with Service Participants. The Real-Time Payments service also includes “Real-Time Payments Service for Vendors and Employees”, which is a service that allows you to send payments to your vendors and/or employees, but only if you have a Business Account and are enrolled in ACH Payments Services.
Qualifications & exceptions
Payment requests are available "if enabled by us".
The Vendors and Employees option requires a Business Account and ACH Payment Services enrollment.
Charges & Financial Obligations · Permission or license
Real-Time Payments: you irrevocably authorize Chase to deduct the payment and fees at once
You start a payment (a "Service Transfer") by submitting a request through Chase Online, Chase Mobile, Chase Business Online, J.P. Morgan Online, J.P. Morgan Mobile or other Digital Platforms Chase makes available. You must give the Receiver Addressing Information and the amount you direct to be transferred, and by submitting you represent and warrant that the transfer complies with these Terms. By submitting a request you irrevocably and unconditionally authorize Chase to deduct the Payment Amount (the transfer amount plus any fees you owe Chase for it) from your account, and Chase may deduct it immediately on receiving the request.
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2. Sending Funds
You may initiate a payment from a Sender to a Receiver through the Real-Time Payments Service (a “Service Transfer”) by submitting a request (a “Service Transfer Request”) through Chase Online, Chase Mobile®, Chase Business Online, J.P. Morgan Online, J.P. Morgan Mobile, or such other Digital Platforms as we may make available from time to time. When you submit a Service Transfer Request, you will be required to provide Receiver Addressing Information for the Receiver and the amount of funds that the Sender directs the Sending Financial Institution to transfer to the Receiver (the “Service Transfer Amount”). By submitting a Service Transfer Request, you represent and warrant that the Service Transfer complies with these Terms.
By submitting a Service Transfer Request, you irrevocably and unconditionally authorize us to deduct the Payment Amount from your account. We may deduct this amount immediately upon receipt of your submission of the Service Transfer Request. For purposes of this Addendum, “Payment Amount” refers to the Service Transfer Amount plus any fees payable by you to us in conjunction with the applicable Service Transfer.
Qualifications & exceptions
The authorization is irrevocable and unconditional.
The Payment Amount includes fees as well as the transfer amount.
Charges & Financial Obligations · Restriction or exception
Real-Time Payments limits: $5,000 per payment from Consumer Accounts, higher for business and private banking
You may not send through the service more than: from a Consumer Account, $5,000.00 in a single transaction, $10,000.00 in one day or $50,000.00 in one month, except as Section 6 below sets out for payments sent in response to requests for payment; from a Business Account, $25,000.00 in a single transaction or your currently applicable daily transfer limit, with no monthly limit; and from a Private Banking Account, $10,000.00 in a single transaction or $20,000.00 in one day, with no monthly limit. Chase may set lower limits for you and block an attempted transfer over the limits, and may adjust the limits at any time in its sole discretion, telling you of the adjustments.
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You may not send through the Real-Time Payments Service more than: (a) $5,000.00 in a single transaction, $10,000.00 in one day, or $50,000.00 in one month from a Consumer Account except as set forth in Section 6 below for payments sent in response to requests for payment; (b) $25,000.00 in a single transaction or your currently applicable daily transfers limit (with no monthly limit) from a Business Account; or (c) $10,000.00 in a single transaction or $20,000.00 in one day (with no monthly limit) from a Private Banking Account. We may establish lower transaction limits for you and may block any attempted Service Transfer that exceeds the limit(s). We may adjust the limits at any time in our sole discretion. We will notify you of such adjustments.
Qualifications & exceptions
The Consumer Account limits have an exception for payments sent in response to requests for payment (Section 6).
Chase will notify you of limit adjustments.
Cross-references
contrast (model-proposed): Real-Time Payments requests for payment: higher limits, known Persons only, no guarantee of delivery — contrast: The standard Consumer Account Real-Time Payments limits ($5,000 per transaction, $10,000 per day) sit beside much higher limits ($25,000 per transaction, $50,000 per day) for payments made in response to a request for payment; the two provisions pull in different directions for the same account type depending on how the payment starts.
Security & Safeguards · Company practice
Real-Time Payments risks: transfers cannot be reversed and unknown payees may cost you the full amount
Service Transfers are irrevocable and cannot be reversed. You should only pay Persons you know. If you receive a request for payment, check that it relates to a payment you expected to make to that Person, and if it does not, notify Chase at the number given. If someone contacts you outside the service and asks for payment, verify the requestor’s identity, legitimacy and contact details and the amount before sending. If you pay someone you do not know, or do not verify who contacts you, you may lose the full amount of your payment.
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3. Risks Associated with the Real-Time Payments Service
There are risks associated with using the Real-Time Payments Service. Service Transfers are irrevocable and cannot be reversed. You should only use the Real-Time Payments Service to make payments to Persons that you know. If you receive a request for payment through the Real-Time Payments Service, you should verify that the request relates to a payment you were expecting to make to the Person who requested payment. If a request for payment that you receive through the Real-Time Payments Service does not relate to a payment you were expecting to make to the Person who requested payment, please notify us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 877-840-0723). If a Person contacts you outside of the Real-Time Payments Service and asks for payment, you should verify the identity, legitimacy and contact information of the requestor and the amount of the payment prior to submitting a Service Transfer Request. If you send payment to a Person that you do not know, or you do not verify the identity and legitimacy of Persons who contact you and ask for payment, you may lose the full amount of your payment.
Charges & Financial Obligations · Restriction or exception
Real-Time Payments has no buyer protection
Chase does not provide buyer protection for Service Transfers. You cannot reverse or dispute a Service Transfer because you are dissatisfied with the goods or services the Receiver provided, because the Receiver failed to deliver goods or perform services at all or on time, or because you want to return purchased goods or cancel a pre-paid service.
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We do not provide buyer protection with respect to Service Transfers. That means that you cannot reverse or dispute a Service Transfer on the basis that you are dissatisfied with the goods or services provided by the Receiver; because the Receiver has failed to deliver goods or perform services, whether at all or in a timely manner; or because you wish to return purchased goods or cancel a pre-paid service.
Charges & Financial Obligations · Restriction or exception
Real-Time Payments: you can ask a Receiver to return funds, but Chase only passes the request along
You can ask a Receiver to return funds, but the Receiver is not obligated to, including when you entered the wrong amount or sent funds to someone other than your intended Receiver because you mistyped or the addressing information belonged to someone else. To make a "Return Request" you notify Chase at the number given. Chase’s sole obligation is to transmit the Return Request to the Receiving Financial Institution. Chase cannot guarantee any funds will be returned in whole or in part and has no obligation to try to recover the funds beyond sending the request. "Receiving Financial Institution" means Chase when you are the Receiver and the Receiver’s institution when you are the Sender. Any dispute between you and a Receiver must be resolved directly between you and the Receiver, and Chase has no responsibility or liability for it.
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The Real-Time Payments Service does enable you to request that a Receiver return funds to you, but the Receiver is not obligated to return the funds. This includes circumstances in which the incorrect amount of funds was transferred because you entered the incorrect Service Transfer Amount or funds were sent to someone other than your intended Receiver because you incorrectly entered the Receiver Addressing Information or the Receiver Addressing Information you entered was associated with someone other than your intended Receiver. If you wish to request that a Receiver return funds that you sent through the Real- Time Payments Service (a “Return Request”), please notify us at 877-CHASEPC (877-242- 7372) (J.P. Morgan Online clients only, call 877-840-0723). Our sole obligation is to transmit the Return Request to the Receiving Financial Institution through the Real-Time Payments Service. We cannot guarantee that funds will be returned in whole or in part and shall have no obligation to make any effort to recover such funds beyond the transmission of the Return Request. For purposes of this Addendum, “Receiving Financial Institution” refers to us, when you are the Receiver, and the Receiver’s financial institution, when you are the Sender.
Any dispute between you and a Receiver must be resolved directly between you and the Receiver. We have no responsibility for, and shall not be liable to you in connection with, any dispute between you and a Receiver.
Charges & Financial Obligations · Restriction or exception
Real-Time Payments: you must verify the Receiver details; Chase has no liability for wrong recipients or amounts
By submitting a request you irrevocably and unconditionally authorize Chase to initiate a payment using the Receiver Addressing Information. Chase will show the Receiver name associated with the information based on what is available to it, but makes no representation that this information is correct. You are responsible for verifying, before submitting, that the Receiver Addressing Information is accurate and complete, is associated with your intended Receiver, and that the payment amount is correct, and Chase has no obligation to verify any of this. Except as state or federal law requires, Chase’s sole obligation is to initiate a payment in the amount you indicated using the information you provided, and it has no liability for loss from inaccurate or incomplete information, information not associated with the intended Receiver, or your failure to enter the information or amount correctly.
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By submitting a Service Transfer Request, you irrevocably and unconditionally authorize us to initiate a payment using the Receiver Addressing Information. Based on information available to us, we will provide you the Receiver name associated with the Receiver Addressing Information. HOWEVER, WE MAKE NO REPRESENTATION THAT THE INFORMATION AVAILABLE TO US IS CORRECT, AND YOU ARE RESPONSIBLE FOR VERIFYING THAT THE RECEIVER ADDRESSING INFORMATION IS ACCURATE AND COMPLETE, THAT SUCH INFORMATION IS ASSOCIATED WITH YOUR INTENDED RECEIVER, AND THAT THE AMOUNT OF THE PAYMENT IS CORRECT PRIOR TO SUBMITTING A SERVICE TRANSFER REQUEST. YOU ACKNOWLEDGE AND AGREE THAT WE HAVE NO OBLIGATION TO VERIFY THE ACCURACY OR COMPLETENESS OF THE RECEIVER ADDRESSING INFORMATION OR THAT THE RECEIVER ADDRESSING INFORMATION IS ASSOCIATED WITH YOUR INTENDED RECEIVER. EXCEPT AS OTHERWISE REQUIRED BY STATE OR FEDERAL LAW, OUR SOLE OBLIGATION SHALL BE TO INITIATE A PAYMENT THROUGH THE REAL-TIME PAYMENTS SERVICE IN THE SERVICE TRANSFER AMOUNT INDICATED BY YOU USING THE RECEIVER ADDRESSING INFORMATION PROVIDED BY YOU. EXCEPT AS OTHERWISE REQUIRED BY STATE OR FEDERAL LAW, WE SHALL HAVE NO LIABILITY TO YOU WITH RESPECT TO ANY LOSS THAT YOU EXPERIENCE DUE TO THE INACCURACY OR INCOMPLETENESS OF SUCH RECEIVER ADDRESSING INFORMATION, THE FAILURE OF SUCH INFORMATION TO BE ASSOCIATED WITH YOUR INTENDED RECEIVER, OR YOUR FAILURE TO CORRECTLY ENTER THE RECEIVER ADDRESSING INFORMATION OR THE SERVICE TRANSFER AMOUNT.
Qualifications & exceptions
"Except as otherwise required by state or federal law" qualifies the no-liability statement.
The source states these terms in capital letters.
Charges & Financial Obligations · User right or choice
Receiving Real-Time Payments: you can reject a payment, and Chase will contact you about return requests
You are not obliged to accept a payment sent to you through the service. To reject one, contact Chase at the number given (a different number applies to J.P. Morgan Online clients). A Sender may request a return of funds sent through the service, and if Chase receives a return request it will contact you.
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4. Receiving Payments
You are not obligated to accept a payment that is sent to you through the Real-Time Payments Service. If you wish to reject a payment sent to you through the Real-Time Payments Service, please contact us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 877-840-0723).
A Sender may request a return of funds sent through the Real-Time Payments Service. If we receive a return request, we will contact you.
Charges & Financial Obligations · Company practice
Real-Time Payments fees: none except the Vendors and Employees service
Chase does not charge a fee to use the Real-Time Payments Service except as stated. Sending a payment with Real-Time Payments Service for Vendors and Employees costs the lesser of $25 or 1% of the total Payment Amount, though that amount may vary if you are also a Private Banking customer.
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5. Fees
Except as set forth below, we do not charge a fee to use the Real-Time Payments Service.
The fee for sending a payment using Real-Time Payments Service for Vendors and Employees will be the lesser of $25 or 1% of the total Payment Amount; provided, however, that this amount may vary if you are also a Private Banking customer.
Qualifications & exceptions
The fee amount may vary for Private Banking customers.
Charges & Financial Obligations · Restriction or exception
Real-Time Payments requests for payment: higher limits, known Persons only, no guarantee of delivery
If enabled, you may submit requests for payment, or pay in response to requests. For payments sent in response to a request from a Consumer Account, you may not send more than $25,000 in a single transaction or $50,000 per day. You may only submit requests, or pay in response to requests, to Persons who are known to you and would reasonably expect such a request or payment from you. By submitting a request or paying in response to one you represent and warrant that the payment is not a Prohibited Payment and is not fraudulent, abusive or unlawful. Chase does not guarantee that the Sender will pay in whole or in part or accept your request, and enabling these features does not require Chase to provide or guarantee delivery of a request or payment to any Person. Any dispute between you and a Sender must be resolved directly with the Sender, and Chase has no responsibility or liability for it.
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6. Requests for Payment
If enabled, you may use the Real-Time Payments Service to submit requests for payment, or make payments in response to requests for payment, subject to the following terms:
You may not send more than $25,000 for a single transaction or more than $50,000 per day for payments sent in response to a request for payment from a Consumer Account.
You may only submit requests for payment, or make payments in response to requests for payment, to Persons who: (a) are known to you; and (b) would reasonably expect to receive a request for payment, or receive a payment in response to a request for payment, from you.
By submitting a request for payment or making a payment in response to a request for payment, you represent and warrant that the requestor payment is not for a Prohibited Payment (as defined below) and is not fraudulent, abusive, or unlawful.
You acknowledge and agree that we do not guarantee that the Sender will send payment, in whole or in part, in response to or otherwise accept your request for payment.
You acknowledge and agree that our enabling the use of the Real-Time Payments Service to receive requests for payment or to make payments in response to requests for payment does not require us to provide for or guarantee delivery of a request for payment or payment in response to a request for payment to any and all Persons.
Any dispute between you and a Sender must be resolved directly between you and the Sender. We have no responsibility for, and shall not be liable to you in connection with, any dispute between you and a Sender.
Qualifications & exceptions
The $25,000 and $50,000 limits apply to payments sent in response to a request from a Consumer Account.
Available "if enabled".
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.
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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.
Charges & Financial Obligations · Procedure
Real-Time Payments: reasons a transfer can fail, timing, and who is told
A Service Transfer may fail if the Sender’s account has insufficient funds when the request is submitted; the Sending or Receiving Institution suspects or finds that it breaches these terms or the rules of the real-time transfer system; the Receiver rejects it or has declined to receive Service Transfers; it exceeds the Sender’s limits; the Receiver’s account is closed, invalid, ineligible or monitored for suspected fraud or other illegal activity; the Sender’s account is monitored for suspected fraud or other illegal activity; either institution declines for risk-management, legal or regulatory reasons; or the service is unavailable. Completion may also be delayed by fraud, regulatory or compliance review. Requests are typically completed within fifteen seconds unless they fail or are delayed. If you are the Sender, Chase notifies you if a transfer fails; if you are the Receiver, Chase will not tell you a transfer failed, and if you have not received an expected payment you must contact the Sender.
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7. Failed Service Transfers
A Service Transfer may fail if:
there are insufficient funds available in the Sender’s account
the Sending Institution or Receiving Institution suspects or determines that the Service transfer does not comply with these terms or the rules of the real-time transfer system that is accessed through the Real-Time Payments Service;
the Receiver rejects the Service Transfer
the Service Transfer Request exceeds the Sender’s limit(s);
the Receiver’s account at the Receiving Institution is closed, invalid, ineligible to receive Service Transfers, or being monitored for suspected fraudulent or other illegal activity;
the Sender’s account at the Sending Institution is being monitored for suspected fraudulent or other illegal activity;
the Sending Institution or Receiving Institution otherwise declines to process the Service Transfer for risk-management, legal, or regulatory reasons; or
the Real-Time Payments Service is unavailable.
In addition, completion of a Service Transfer may be delayed if the Service Transfer is subject to review by the Sending Institution or Receiving Institution for fraud, regulatory or compliance purposes. Service Transfer Requests are typically completed within fifteen (15) seconds of transmission of the Service Transfer Request by the Sender, unless the Service Transfer fails or is delayed as described above.
If you are the Sender, we will notify you if a Service Transfer fails. If you are the Receiver, we will not communicate to you that the Service Transfer has failed. If you have not received a Service Transfer that you were expecting, you must contact the Sender.
Qualifications & exceptions
Completion is "typically" within fifteen seconds, not guaranteed.
Only the Sender is notified of a failed transfer.
Charges & Financial Obligations · Procedure
Real-Time Payments funds are credited and available to the Receiver immediately, around the clock
Funds sent through the service are credited to the Receiver’s account by the Receiving Institution immediately on completion of the request and are available for withdrawal immediately. Except as the Agreement says otherwise, funds are available immediately 24 hours a day, 7 days a week, including weekends and state and federal holidays.
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8. Availability of Funds
Funds transferred through the Real-Time Payments Service will be credited to the Receiver’s account by the Receiving Institution immediately upon completion of the Service Transfer Request, and will be available for withdrawal by the Receiver immediately. Except as otherwise set forth in this Agreement, funds are available immediately 24 hours per day, 7 days per week, including weekends and state and federal holidays.
Qualifications & exceptions
"Except as otherwise set forth in this Agreement" qualifies availability.
Charges & Financial Obligations · Restriction or exception
Real-Time Payments: prohibited payments, test payments and use only for yourself or U.S. residents
You may not use the service to make or receive a "Prohibited Payment": a payment that violates or appears to violate any local, state or federal law or regulation; a payment to an account domiciled outside the United States; a payment sent solely to check whether Receiver Addressing Information is valid (a "Test Payment"), although you may send one if you have a bona fide need to confirm information a Receiver gave you who wants to be paid; or any other payment that violates the Agreement. You may use the service solely to make or receive payments on your own behalf or on behalf of Persons resident or domiciled in the United States. If you pay or receive on behalf of another Person, you must comply with all applicable laws, rules and regulations, including those of the Office of Foreign Assets Control. A payment that violates these restrictions is a Prohibited Payment.
Supporting quotations
9. Prohibited Payments
You agree that you shall not use the Real-Time Payments Service to make or receive any of the following types of payments (each, a “Prohibited Payment”): (a) payments that violate or appear to violate any local, state, or federal law or regulation; (b) payments to accounts domiciled outside the United States; (c) payments transmitted solely for the purpose of determining whether the Receiver Addressing Information is valid (a “Test Payment”), provided, that you may conduct a Test Payment if you have a bona fide need to do so in order to determine the validity of Receiver Addressing Information provided to you by a Receiver that wishes to receive a payment from you; or (d) any other payment that violates this Agreement.
You acknowledge that you are permitted to use the Real-Time Payments Service solely for the purpose of making or receiving payments: (a) on your own behalf; or (b) on behalf of Persons that are resident of or domiciled in the United States of America. If you make or receive payments on behalf of another Person, you must comply with all applicable laws, rules, and regulations in conjunction with such payments, including all regulations of the Office of Foreign Assets Control. You acknowledge that any payment that violates the foregoing restrictions is a Prohibited Payment.
Qualifications & exceptions
A Test Payment is allowed only with a bona fide need to verify addressing information a Receiver gave you.
Legal Rights & Agreement Rules · Context
Canceling Subscriptions Addendum: a third-party service that supplements your account documents
This Addendum, last updated 10/24/2024, governs a service provided by a third-party service provider engaged by Chase to cancel eligible subscriptions through your account on Chase Online or the Chase Mobile app. It supplements and amends your Chase Online Services Agreement, Digital Services Agreement and the account agreements for your deposit, card and/or loan accounts (the "Account Documentation"), which are ratified, affirmed and incorporated and keep applying. You agree to the Addendum by acknowledging or signing the Account Documentation or by using or continuing to use the Service. If there is an irreconcilable conflict, this Addendum governs, but only for use of the Service and only to the extent of the conflict. In this Addendum "Chase", "we" and "us" mean JPMorgan Chase Bank, N.A. or any affiliate, agent, independent contractor, designee or assignee that Chase involves at its sole discretion; "you" means an account owner or an authorized signer with authority to view account information and affect transactions; and the service provider is Titan Solutions Group LLC dba ApexEdge LLC aka Billshark, the owner and operator of the Service.
Supporting quotations
Addendum:
Terms & Conditions for Canceling Subscriptions
Last updated: 10/24/2024
This Addendum entitled “Terms & Conditions for Canceling Subscriptions” (the "Addendum") states the terms and conditions that govern your use of the service provided by a third party service provider engaged by us and acting pursuant to an agreement with us for canceling eligible subscriptions through your account on Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) (the "Service"). This Addendum will be deemed to supplement and amend the terms of your Chase Online Services Agreement, Digital Services Agreement, and account agreement(s) governing your deposit, card and/or loan account(s), as applicable, and as amended from time to time (collectively, the "Account Documentation"). The terms of the Account Documentation are hereby ratified, affirmed and incorporated herein and shall continue to apply in all respects, as amended hereby. By acknowledging or signing the applicable Account Documentation or by using or continuing to use the Service, you agree to this Addendum. In the event of an irreconcilable conflict between this Addendum and the Account Documentation, this Addendum will govern with respect to use of the Service only, and only to the extent of such irreconcilable conflict.
As used herein, the terms "Bank", “Chase”, "us," "we," or "our" mean JPMorgan Chase Bank, National Association, or any affiliate, agent, independent contractor, designee, or assignee that we may, at our sole discretion, involve in the provision of the Service; "you" or "your" means (1) an individual or entity that is the owner of an account or (2) an authorized signer on an account who has authority to view account information and affect transactions on such account; and “service provider”, “third party service provider” or “Billshark” means Titan Solutions Group LLC dba ApexEdge LLC aka Billshark ("Service Provider"), the owner and operator of the Service.
Qualifications & exceptions
The Addendum prevails over the Account Documentation only for use of the Service and only for an irreconcilable conflict.
Here "we" includes affiliates, agents and designees Chase involves.
Sharing & Disclosure · Company practice
Canceling Subscriptions: you give personal details, possibly card CVV, and the provider shares them with Merchants
These terms apply when you, or anyone you have delegated to act for you, use the Service through Chase Online or the Chase Mobile app to cancel eligible subscriptions with participating companies ("Merchants") that you pay for with an eligible Chase credit or debit card. Chase has no direct relationship with Merchants in connection with the Service. You fill in a form in your account with subscription information, including personal information tied to the subscription, which Chase securely provides to its Service Provider. The information requested varies by Merchant and may include name, address, email address, phone number and subscription account number. You may also be asked for the CVV and/or CVC code of the credit card saved on file with the Merchant, or other information needed. The Service Provider will share some or all of what you provide with Merchants to perform the Service.
Supporting quotations
1. General Terms Applicable to the Service
These Terms apply when you use or access, or permit any other person(s) or entity(ies) who you have delegated to act on your behalf to use or access, the Service through Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) for the purpose of facilitating your cancellation of your eligible subscriptions with participating companies that provide you with products or services (“Merchant(s)”) that you pay for with an eligible Chase credit or debit card (each a “Subscription”). We do not have any direct relationship with Merchants in connection with the Service.
a. Service Description
You may use the Service to request cancellation of an eligible Subscription. You will be asked to self-populate a form provided in your account on Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) with requested subscription information including your personal information associated with the subscription, which we will then securely provide to our Service Provider to use in connection with the Service. The personal information requested may vary depending on the Merchant, and may include one or more of the following: name, address, email address, phone number, and subscription account number. You may also be asked to provide CVV and/or CVC code information for the credit card you have saved on file with the Merchant, or for other information required from you in order to perform the Service with your applicable Merchant. Our Service Provider will share some or all of the information that you provide with Merchants for purposes of performing the Service.
Qualifications & exceptions
The data requested varies by Merchant and the list is introduced by "may include".
Applies to subscriptions paid with an eligible Chase credit or debit card.
Linking & Identification · Company practice
Canceling Subscriptions: the provider acts as your representative, typically within three business days
The Service Provider will try to cancel the Subscription with your Merchant and, if applicable, request a refund of any unused portion for you (a "Subscription Cancellation"). Once it has the information needed it undertakes the cancellation, which typically takes up to three business days, though some Merchants take longer. You should contact the Merchant directly for status or to request cancellation before the Service Provider completes the request. To perform the Service the Provider contacts your Merchant and, if required, identifies itself as acting as your representative and/or agent with your authority. The Provider will not log into your account with the Merchant and will not represent itself as you.
Supporting quotations
Our Service Provider will attempt to cancel the Subscription with your Merchant and, if applicable, request a refund of any unused portion of your Subscription for you (each a “Subscription Cancellation”). Once Service Provider has received from you the information needed to process your request, it will undertake the Subscription Cancellation, which typically can take up to three (3) business days to complete, although some Merchants may take longer. You should contact the Merchant directly for status or to request cancellation in advance of the request through our Service Provider being completed. In order to perform the Service, Service Provider will contact your Merchant and if required, identify that Service Provider is acting as your representative and/or agent with your authority to do so. Service Provider will not log into your account with the Merchant nor will Service Provider represent themselves as you.
Qualifications & exceptions
Three business days is "typical", and some Merchants take longer.
Charges & Financial Obligations · Restriction or exception
Canceling Subscriptions: no guaranteed timing or refund; cancel directly if renewal is within three days
Chase displays the status of your cancellation request in your Chase account online or in the app. Neither Chase nor the Service Provider guarantees the cancellation will be completed before your renewal date or that you will get a refund; any refund due is credited directly to your account by the Merchant. Neither is liable for unreturned balances or for costs or fees of a renewal caused by your failure to start the request sufficiently before the renewal date. You should not use the Service, and should cancel directly with your Merchant, if the renewal date is within the next three business days or if you need to ensure the cancellation is effective by a certain date, because Chase cannot give a guaranteed completion date.
Supporting quotations
We will display the status of your Subscription Cancellation request in your Chase account online (www.chase.com) or in the Chase Mobile app. Neither we nor Service Provider guarantee that your Subscription Cancellation will be completed before your subscription renewal date, nor do we guarantee that you will receive a refund. If you are entitled to a refund, it will be credited directly back to your applicable account by the Merchant.
Neither we nor Service Provider are liable for any unreturned balances, nor are we liable for costs or fees associated with any subscription renewal due to your failure to initiate your Subscription Cancellation request sufficiently in advance of your subscription renewal date.
You should not use the Service and instead cancel directly with your Merchant if your renewal date is within the next three (3) business days, or if you need to ensure your cancellation will become effective by a date certain. Due to variation in Merchant processing, we cannot provide a guaranteed date for completion of your cancellation request through our Service Provider.
Qualifications & exceptions
Refunds come from the Merchant, not from Chase or the Service Provider.
Linking & Identification · Restriction or exception
Canceling Subscriptions: you authorize the provider, and a started cancellation cannot be stopped
By using the Service you grant the Service Provider permission and authority to communicate with your Merchant on your behalf to cancel the subscriptions, services and/or features you receive from it. After you start a Subscription Cancellation, Chase cannot stop, cancel, reverse or modify it. Once completed, your Merchant may limit your ability to go back to a prior rate or plan. If you contact the Merchant directly to change the account (for example to renew at a promotional rate instead of cancelling) while the request is pending, Chase cannot guarantee the cancellation will not still go through as originally instructed and is not responsible for losses such as losing a new promotional rate. A Merchant may require your verbal confirmation or additional information to verify the provider acts as your agent, and the cancellation cannot be completed until you provide it in the way the Merchant requires.
Supporting quotations
By using the Service to request a Subscription Cancellation, you are granting permission and authority to Service Provider to communicate with your Merchant on your behalf in order to cancel the subscriptions, services and/or features that you receive from the Merchant, in accordance with this Addendum.
After you initiate a Subscription Cancellation through the Service, we cannot stop, cancel, reverse or modify it. Once the Subscription Cancellation has been completed, your Merchant may limit your ability to revert to a prior subscription rate or plan. If you contact the Merchant directly to make account changes (e.g., renewal at a promotional rate offered by the Merchant in lieu of cancellation) while your cancellation request through the Service is still pending, we cannot guarantee that your cancellation will not go through as originally instructed through the Service, and we will not be responsible for any losses (e.g. loss of a newly obtained promotional rate) in connection therewith.
Your Merchant may require your verbal confirmation or additional information to verify that Service Provider is acting as your agent in order to complete your requested Subscription Cancellation. If this is the case, the Service will not be able to be performed and the Subscription Cancellation will not be able to be completed until you provide the additional information or confirmation in accordance with the method required by the Merchant.
Qualifications & exceptions
A cancellation request cannot be reversed once started.
Legal Rights & Agreement Rules · Restriction or exception
Canceling Subscriptions: you must have authority over the Merchant account or you are personally liable and indemnify
You may not use the Service unless you have authority to make changes to the applicable Merchant account and to grant that authority to the Service Provider, and by requesting the Service you represent and warrant that you have it. You are personally liable for all fees or damages from requesting the Service without proper authorization and agree to indemnify Chase and the Service Provider for damages they incur as a result. You also represent that you have authority to authorize, access and use the information shared with the Service Provider and Merchants, and that you are the legal owner or an authorized user of the financial account you use with the Service. Information the Service Provider shares with your Merchants for the cancellation is subject to any terms, contracts or privacy policies you agreed with your Merchants.
Supporting quotations
You may not use the Service unless you have the authority to make changes to the applicable account with the Merchant and to grant that authority to Service Provider. By requesting the Service, you represent and warrant that you have such authority. You will be personally liable for all fees incurred or damages that result from requesting the Service without proper authorization, and also agree to indemnify us and Service Provider for any damages we may incur as a result.
You represent that you have the authority to authorize, access, and use the information
You represent that you have the authority to make changes to the applicable account
You represent that you are the legal owner or an authorized user
The information shared with your Merchants by our Service Provider on your behalf for Subscription Cancellation is subject to any terms and conditions, contracts or privacy policies agreed to between you and your Merchants.
Qualifications & exceptions
Merchant privacy terms apply to information shared with Merchants.
Charges & Financial Obligations · Company practice
Canceling Subscriptions: no service fee
There is no service fee to use the Service. Fees can change from time to time upon notice to you as the law may require.
Supporting quotations
2. Service Fees
There is no service fee to use the Service. Fees are subject to change from time to time upon notice to you as may be required by law.
Qualifications & exceptions
Notice of fee changes is given as required by law.
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.
Sharing & Disclosure · Company practice
Canceling Subscriptions privacy: Chase policies apply and Chase may disclose account information in listed cases
The Chase Online Privacy Policy and, where appropriate, the U.S. Consumer Privacy Notice apply to your use of the Service and can be viewed under "Privacy & Security" then "Privacy" on chase.com. Chase may disclose information about your account to third parties as necessary to offer the Service, to investigate any claim related to your account or use of the Service, to comply with government agency or court orders, with your written permission, and as otherwise permitted by its privacy notice.
Supporting quotations
4. Privacy
The Chase Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice, apply to your use of the Service. These documents can be viewed by clicking on the "Privacy & Security" link, then "Privacy" on www.chase.com.
We may disclose information to third parties about your account as necessary in connection with offering the Service, in connection with the investigation of any claim related to your account or use of the Service, to comply with government agency or court orders, in accordance with your written permission, and as otherwise permitted by the terms of our privacy notice.
Qualifications & exceptions
The listed disclosure reasons are followed by "as otherwise permitted by the terms of our privacy notice".
Not stated here
The privacy policy and notice are separate documents not part of this source.
Content & IP Rights · Permission or license
Canceling Subscriptions: limited personal-use license and 24/7 availability with outages
Chase grants you, for your personal use or, for an eligible business, internal business purposes only, a nonexclusive, limited and revocable right to use the Service on its digital platforms. You agree not to use it for other purposes, including commercial uses such as co-branding, framing, linking or reselling any part of it, without Chase’s prior written consent. Subject to the Terms, the Service is generally available 24 hours a day, seven days a week, except for maintenance outages and circumstances beyond Chase’s or the Service Provider’s control.
Supporting quotations
5. License; Availability of Service
We grant to you, for your personal use or, if you are a business eligible to use the Service, for internal business purposes only, a nonexclusive, limited and revocable right to access and use the Service on our digital platforms. You agree not to use the Service for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Service without our prior written consent.
Subject to these Terms, the Service is generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Service Provider’s control.
Qualifications & exceptions
The license is revocable.
Charges & Financial Obligations · Procedure
Canceling Subscriptions: report charges after a successful cancellation promptly
If a cancellation succeeded and you then receive a Merchant charge to your Chase debit card for that subscription that you believe is in error or unauthorized, contact Chase promptly after receiving the statement showing it. Follow the procedures in your account statement for the affected personal or business account, and note that you must contact Chase within the time frames for resolving errors about electronic fund transfers. If you used an eligible Chase credit card, consult your credit card statement for the procedures and contact information for errors or questions about charges.
Supporting quotations
6. Errors or Questions about Transactions
If you receive a successful Subscription Cancellation through use of the Service and thereafter receive a charge to your applicable Chase debit card from your Merchant related to that subscription that you believe to be in error or unauthorized, please contact us promptly after receiving the statement on which the error appeared. Follow the procedures set forth in your account statement for your impacted personal or business account. Note that you must contact us within the time frames set forth for resolving errors about electronic funds transfers.
If you used an eligible Chase credit card, consult your credit card statement for procedures and contact information related to errors or questions about charges.
Qualifications & exceptions
Debit card charges follow electronic fund transfer error time frames.
Credit card charges follow your credit card statement procedures.
Not stated here
The time frames are in the account documents and are not stated here.
If you used an eligible Chase credit card, you should consult your credit card statement for the procedures and contact information for errors or questions about charges.
Supporting quotations
If you used an eligible Chase credit card, consult your credit card statement for procedures and contact information related to errors or questions about charges.
Qualifications & exceptions
Applies to eligible Chase credit card charges.
Sharing & Disclosure · Restriction or exception
Canceling Subscriptions: Chase disclaims liability for the provider, Merchants and use of your data
Because you requested the Service and consented to share your personal information, you agree Chase has no liability to you arising from the Subscription Cancellation you request or from any use, copying, loss, disclosure, sale, display or transfer of your personal information in connection with the Service. Chase assumes no responsibility or liability for the acts, omissions or determinations of the Service Provider or any Merchant, including products or services bought from or transactions entered into with them through the Service, or a Merchant’s use and handling of your personal information. Chase is not the provider of the Service Provider’s or Merchants’ products or services, and is not responsible for their acts, omissions, failures, errors or delays except as the Addendum otherwise says, nor for their performance under any agreement you have with them or related third parties that may affect your use of the Service.
Supporting quotations
7. No Liability Related to Acts of Third Parties
Because you have requested the Service and consented to share your personal information by using the Service, you agree that we will not have any liability to you arising out of the Subscription Cancellation you request or any use, copying, loss, disclosure, sale, display or transfer of your personal information in connection with the Service.
WE DO NOT ASSUME ANY RESPONSIBILITY OR INCUR ANY LIABILITY WITH RESPECT TO THE ACTS, OMISSIONS OR DETERMINATIONS OF SERVICE PROVIDER OR ANY MERCHANT, INCLUDING BUT NOT LIMITED TO, ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO WITH, SERVICE PROVIDER OR THE MERCHANT THROUGH OR FROM THE SERVICE, OR THE MERCHANT’S USE AND HANDLING OF YOUR PERSONAL INFORMATION.
We are not the provider of any products or services of Service Provider or the Merchants and we are not responsible for providing any of their products or services to you, other than the Service. We are not responsible for any acts, omissions, or failure of Service Provider or the Merchant, or for any errors or delays caused by them, except as otherwise set forth herein.
We are not responsible for the performance or non-performance of Service Provider, a Merchant, or any other third parties regarding any agreement you enter into with Service Provider, a Merchant, or associated third-party relationships that may impact your use of the Service.
Qualifications & exceptions
The liability disclaimer covers the use, loss, sale and disclosure of personal information shared through the Service.
"Except as otherwise set forth herein" qualifies the disclaimer for third-party acts.
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.
Legal Rights & Agreement Rules · Restriction or exception
Canceling Subscriptions: broad exclusion of liability; your sole remedy is to stop using the Service
Except as the Addendum specifically provides or where the law requires a different standard, you agree that Chase, the Service Provider and their officers, directors, agents and employees are not liable for any loss, damage or injury or any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment or browser; access to or use of the Service; any transaction conducted through or facilitated by the Service; errors, omissions or inaccuracies in the Service (including transfer of inaccurate information); unauthorized access to, use of or alteration of your transmissions of personal information; failures of equipment, the internet, communication lines, providers or data transmission and other causes beyond Chase’s control; and any other matter relating to the Service, even if advised of the possibility of such damages. If you are dissatisfied with the Service or these Terms, your sole and exclusive remedy is to stop using the Service.
Supporting quotations
EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT WE, SERVICE PROVIDER AND OUR RESPECTIVE OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO: THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENANCE THEREOF; ACCESS TO OR USE OF THE SERVICE; ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE DESCRIBED OR PROVIDED (INCLUDING, BUT NOT LIMITED TO, THE TRANSFER OF INACCURATE INFORMATION); UNAUTHORIZED ACCESS TO, USE OR ALTERATION OF YOUR TRANSMISSION(S) OF PERSONAL INFORMATION; FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL; AND ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF WE OR SERVICE PROVIDER HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.
Qualifications & exceptions
Covers direct as well as indirect damages.
Subject to the Addendum’s specific provisions and to a different legal standard where the law requires one.
Covers unauthorized access to or alteration of your transmissions of personal information.
Legal Rights & Agreement Rules · Restriction or exception
Canceling Subscriptions: use at your sole risk, "as is", and warranties disclaimed
Except as expressly provided in any applicable agreement, you agree your use of the Service is at your sole risk and that the Service and all information, products and content (including third-party content) on the sites are provided "as is", "where-is" and "where available" and may change at any time without notice. Chase makes no warranty that the Service will be uninterrupted, timely, secure or error-free unless stated on the site or in an applicable agreement. To the fullest extent permitted by law, Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement. No license is implied by the disclaimers.
Supporting quotations
EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND THAT THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT WE MAKE NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.
Qualifications & exceptions
Disclaimers apply to the fullest extent permitted by law.
Charges & Financial Obligations · Restriction or exception
Canceling Subscriptions: where consequential-damages exclusions do not apply, liability is capped at $100
In states where the exclusion or limitation of liability for consequential or incidental damages may not apply, any liability of Chase or the Service Provider in those states is limited, and warranties are excluded, to the greatest extent permitted by law, but in no event can the liability exceed one hundred dollars ($100.00).
Supporting quotations
IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR SERVICE PROVIDER IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).
Qualifications & exceptions
The $100 cap applies in states where the consequential or incidental damages exclusion may not apply.
Legal Rights & Agreement Rules · Restriction or exception
Canceling Subscriptions: you are responsible for your conduct and indemnify Chase and the provider
In addition to the indemnities in the General Terms and Conditions, you are personally responsible for your conduct while using the Service and agree to indemnify and hold harmless Chase, the Service Provider and their officers, directors, employees and agents from any loss, damage, liability, cost or expense, including reasonable attorneys’ fees, that they incur in connection with a third-party claim or otherwise in relation to your use of the Service, use of the Service by anyone using your personal information, card number, account number, PIN, User ID or Password, or your violation of these Terms or a third party’s rights (including privacy rights). Your obligations under this paragraph survive termination of the Terms.
Supporting quotations
e. Indemnification
In addition to the indemnities set forth in the General Terms and Conditions, you also acknowledge and agree that you are personally responsible for your conduct while using the Service and agree to indemnify and hold us, Service Provider, and our respective officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees) that we or they may incur in connection with a third party claim or otherwise, in relation to your use of the Service or the use of the Service by anyone using your personal information, card number, account number, PIN, User ID or Password or your violation of these Terms or the rights of any third party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of these Terms.
Qualifications & exceptions
The indemnity reaches losses "in connection with a third party claim or otherwise".
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.
Sharing & Disclosure · Company practice
Digital wallets: wallet functions, sharing transaction data at your direction, and card blocking
When you add a Chase Card to a Wallet, the Wallet may let you use the card to enable money transfers between you and others enrolled with the Wallet Provider or its partner, and/or to complete transactions where the Wallet is accepted, including at participating merchants’ physical and e-commerce locations and at ATMs, and to use other services described in the Wallet Provider’s agreement. At your direction, Chase may share information about your Chase Card transactions with a Wallet Provider to enable some Wallet-related services. A Wallet may not be accepted everywhere the card is. Chase may end its participation in a Wallet or with a Wallet Provider at any time, may set a maximum number of Chase Cards that can be added to a Wallet, and may block a Chase Card in a Wallet from certain transactions or purchases at any time.
Supporting quotations
When you add a Chase Card to a Wallet, the Wallet may allow you to: (a) use the Chase Card to (i) enable transfers of money between you and others who are enrolled with the Wallet Provider or a partner of such Wallet Provider, and/or (ii) enter into transactions where the Wallet is accepted, including the ability to use the Chase Card to complete transactions at participating merchants' physical locations, e- commerce locations, and at ATMs; and (b) use other services that are described in the Wallet Provider's agreement or that they may offer from time to time. At your direction, Chase may share information about your Chase Card transactions with a Wallet Provider to enable some Wallet-related services. A Wallet may not be accepted at all places where your Chase Card is accepted. We reserve the right to terminate our participation in a Wallet or with a Wallet Provider at any time and the right to designate a maximum number of Chase Cards that may be added to a Wallet. We may block a Chase Card in a Wallet from certain transactions or purchases at any time.
Qualifications & exceptions
Sharing of transaction information happens "at your direction".
Chase may block a card in a Wallet from certain transactions at any time.
Sharing & Disclosure · Permission or license
Automatic provisioning into Paze and other wallets: Chase sends card, account and device details, possibly your SSN
Unless stated otherwise, your Chase Card may be eligible for Chase to provision it into Paze or other Wallets for your use. It may be eligible if the card is in good standing and you are a Chase Card customer with an active Digital Profile (login credentials for your account on the Digital Platforms), or a new or existing Chase customer with a Digital Profile who opens a new Chase checking or credit card account, and other criteria may apply at Chase’s sole discretion. If your card is eligible, Chase will securely send your Chase Card information and other information about your account and device to the Wallet Provider to pre-populate your eligible cards into the Wallet. Other information securely provided may include your social security number, phone number and email address. Early Warning Services, LLC is the Paze Wallet Provider. You need to accept the Paze Terms of Service to activate your Paze Wallet and use it at participating merchants, and other Wallets may have similar requirements.
Supporting quotations
2. Chase Card Eligibility for PazeSM and other Wallets with Automatic Provisioning
Unless otherwise stated herein, your Chase Card may be eligible for Chase to provision your card into PazeSM or other Wallets to enable your use of your card in PazeSM or other Wallets. Your Chase Card may be eligible for provisioning, and Chase may provision your Chase Card, into PazeSM or another Wallet if your Chase Card is in good standing, you are a Chase Card customer and have an active digital profile (i.e., login credentials that provide access to your account on our Digital Platforms) (“Digital Profile”) or you are a new or existing Chase customer with a Digital Profile who opens a new Chase checking or credit card account. Other eligibility criteria may apply and may be determined at our sole discretion.
If your Chase Card is eligible for PazeSM or another Wallet, Chase will securely send your Chase Card information and other information about your account and device to the Wallet Provider to prepopulate your eligible Chase Cards into the Wallet for your use. Other information securely provided to the Wallet Provider may include your social security number, phone number, and email address.
Early Warning Services, LLC is the PazeSM Wallet Provider.
You will need to accept the PazeSM Terms of Service in order to activate your PazeSM Wallet and use it for purchases at participating merchants. For more information on PazeSM, please visit https://chase.com/paze. Other Wallets may have similar requirements to activate your ability to use your Chase Card therein.
Qualifications & exceptions
Eligibility depends on good standing and an active Digital Profile or a new account with a Digital Profile.
The list of other information that "may include" is not exhaustive.
Legal Rights & Agreement Rules · Context
Digital wallets: your card agreement does not change
The terms that govern your Chase Card do not change when it is added to, provisioned in or Activated in a Wallet. The applicable Card Member Agreement or account agreement, as amended from time to time, is incorporated by reference into these Terms and stays in full force. You should review those agreements for your rights and responsibilities when making transactions through a Wallet.
Supporting quotations
3. Your Chase Card Terms Do Not Change
The terms and agreement that govern your Chase Card do not change when the Chase Card is added to, provisioned in, or Activated in a Wallet. The applicable Card Member Agreement or account agreement that governs the Chase Card, as amended from time to time, are incorporated by reference as part of these Terms and remain in full force and effect. Please review those agreements for important information on your rights and responsibilities when making transactions through a Wallet.
Not stated here
The Card Member Agreement and account agreements are separate documents not part of this source.
Charges & Financial Obligations · Company practice
Digital wallets: no added Chase fee; third parties may charge; you handle taxes
Any interest, fees and charges that apply to your Chase Card or underlying account also apply when you use a Wallet to access the card. Chase does not charge additional fees for adding the card to or using it in a Wallet. The Wallet Provider and other third parties, such as wireless companies or data service providers, may charge you fees. You are solely responsible for reporting and paying any taxes arising from transactions originated using your card information transmitted by a Wallet and must comply with applicable tax laws.
Supporting quotations
4. Applicable Fees
Any applicable interest, fees, and charges that apply to your Chase Card or underlying account will also apply when you use a Wallet to access your Chase Card. Chase does not charge you any additional fees for adding your Chase Card to or using your Chase Card in a Wallet. The Wallet Provider and other third parties, such as wireless companies or data service providers, may charge you fees in your use of a Wallet. You are solely responsible for reporting and paying any applicable taxes arising from transactions originated using your Chase Card information transmitted by a Wallet and you shall comply with any and all applicable tax laws in connection therewith.
Sharing & Disclosure · Restriction or exception
Third-party wallets: Chase only supplies card information and is not responsible for the wallet
Chase is not the Wallet Provider of wallets it does not own or operate ("third-party Wallets") and is not responsible for providing their services. Chase is only responsible for securely supplying information to the third-party Wallet provider so the card can be used in the wallet. Chase is not responsible for any failure of a third-party Wallet, errors it causes, delays, or inability to use it for a transaction, nor for the performance or non-performance of a third-party Wallet Provider or others under any agreement you enter with them or related third-party relationships.
Supporting quotations
5. Chase Is Not Responsible for a Third-Party Wallet
Chase is not the Wallet Provider of non-Chase owned and operated Wallets (“third-party Wallets”), and we are not responsible for providing third-party Wallet services to you. Chase is only responsible for supplying information securely to the third-party Wallet provider to allow usage of the Chase Card in a third-party Wallet. We are not responsible for any failure of a third-party Wallet, for any errors in or caused by the third-party Wallet or delays caused by or the inability to use a third-party Wallet for any transaction. We are not responsible for the performance or non-performance of a third-party Wallet Provider or any other third parties regarding any agreement you enter into with a third-party Wallet Provider or associated third-party relationships that may impact your use of a third-party Wallet.
Charges & Financial Obligations · Restriction or exception
Wallet transaction history is preliminary; your card statement prevails
The transaction history shown in a Wallet represents only Chase’s authorization of your Wallet transaction and may not show complete information or later activity such as clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. The purchase amount, currency and other details shown by the Wallet Provider may be preliminary or incomplete and may not match the amount that finally clears, settles and posts to your card’s billing or monthly statement, which is deemed the prevailing document.
Supporting quotations
6. Transaction History
You agree and acknowledge that the transaction history displayed in a Wallet solely represents our authorization of your Wallet transaction and may not reflect complete information about the transaction, nor any post-authorization activity, including but not limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks.
Accordingly, the purchase amount, currency, and other details for the Wallet Provider's transaction history in connection with use of your Card in a Wallet may be preliminary and/or incomplete, and may not match the transaction amount that ultimately clears, settles, and posts to your Card's billing or monthly statement, which shall be deemed the prevailing document.
Qualifications & exceptions
The billing or monthly statement is the prevailing document.
Account & Service Control · Procedure
Digital wallets: you consent to electronic contact and agree to keep your details current
You consent to receive electronic communications and disclosures from Chase about your Chase Card and a Wallet. You agree Chase can contact you by email at any address you provide for any Chase product, service or account, or through the mobile device where you downloaded the Chase Mobile app. Communications may include contact from companies working for Chase to service your accounts. You agree to update your contact information when it changes.
Supporting quotations
7. Contacting You Electronically and by Email or through Your Mobile Device
You consent to receive electronic communications and disclosures from us in connection with your Chase Card and a Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Chase product, service or account, or through the mobile device on which you have downloaded the Chase Mobile app. Communications to you may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.
Legal Rights & Agreement Rules · Procedure
Removing a card from a wallet, and governing law and disputes for the wallet terms
To remove a Chase Card from a Wallet you should contact the Wallet Provider; if the wallet is on a Chase platform, instructions may be on that platform. These Terms are governed by federal law and, to the extent state law applies, the laws of the state that apply to the agreement under which your Chase Card is covered. Disputes arising out of or relating to these Terms are subject to any dispute resolution procedures in your Chase Card agreement.
Supporting quotations
8. Removing Your Chase Card from the Wallet
You should contact the Wallet Provider on how to remove a Chase Card from a Wallet. If the wallet is located on a Chase proprietary platform (e.g., Chase Mobile® app, chase.com, or other) information may be located on that proprietary platform.
9. Governing Law and Disputes
These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Chase Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Chase Card agreement.
Qualifications & exceptions
Dispute resolution follows the Chase Card agreement, not the Digital Services Agreement arbitration section by itself.
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.
Sharing & Disclosure · Permission or license
Digital wallets privacy: Chase may share card and other information with providers, networks, merchants
Chase’s Online Privacy Policy and, where appropriate, U.S. Consumer Privacy Notice, as amended from time to time, apply to your use of your Chase Card in the Wallet. You may be given the ability to share your card number with Wallet Providers or a payment network, and you agree Chase may share certain of your other information with Wallet Providers, merchants, a payment network and others to provide the services you requested, to make information about your card transactions available to you, and to improve its ability to offer these services. This information helps Chase add your card to the Wallet and maintain the Wallet.
Supporting quotations
11. Privacy
Your privacy and the security of your information are important to us. Our Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice (available online at: https://www.chase.com/), as amended from time to time, applies to your use of your Chase Card in the Wallet. You may be provided with the ability to share your Chase Card number with Wallet Providers or a payment network, and you agree that we may share certain of your other information with the Wallet Providers, merchants, a payment network, and others in order to provide the services you have requested, to make information available to you about your Chase Card transactions, and to improve our ability to offer these services. This information helps us to add your Chase Card to the Wallet and to maintain the Wallet.
Qualifications & exceptions
"Certain" other information is not itemized in this paragraph.
Not stated here
The paragraph does not list which "other information" is shared; the automatic provisioning section lists items for automatically provisioned cards.
The privacy policy and notice are separate documents not part of this source.
Sharing & Disclosure · Company practice
Automatically provisioned wallets: your card number, SSN, phone numbers and emails go to the provider
For customers whose cards are automatically provisioned into a Wallet such as Paze, their information is securely transmitted to the Wallet Provider for wallet creation. This information includes, but is not limited to, the Chase Card number, Social Security Number, and phone numbers and email addresses on file with Chase. Chase does not control the privacy and security of information held by the Wallet Provider, which is governed by the privacy policy the Wallet Provider gives you, and you should consult it for how your data is used.
Supporting quotations
Customers whose cards are automatically provisioned into a Wallet such as PazeSM will have their information securely transmitted to the Wallet Provider for wallet creation. This information includes, but is not limited to, the Chase Card number, Social Security Number, phone numbers and email addresses on file with Chase. We do not control the privacy and security of your information that may be held by the Wallet Provider and that is governed by the privacy policy given to you by the Wallet Provider. Consult your Wallet Provider’s privacy policy for details on how they use your data.
Qualifications & exceptions
The list is introduced by "includes, but is not limited to".
Once with the Wallet Provider, the data is governed by that provider’s privacy policy.
Not stated here
The Wallet Provider’s privacy policy is a separate document not part of this source.
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.
Legal Rights & Agreement Rules · Restriction or exception
Wallet terms: Chase disclaims liability for losses from adding a card or using a wallet, and warranties
Chase is not liable for any loss, damage or injury or any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to adding a Chase Card to a Wallet or your access to or use of a Wallet. To the fullest extent permitted by law, Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement, for all Wallets and all information, products and content in or accessible from them.
Supporting quotations
13. Limitation of Liability; No Warranties
CHASE IS NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE ADDING OF A CHASE CARD TO A WALLET, OR YOUR ACCESS OR USE OF A WALLET. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL WALLETS AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT INCLUDED IN OR ACCESSIBLE FROM THE WALLETS.
Qualifications & exceptions
The warranty disclaimer applies to the fullest extent permitted by law.
Legal Rights & Agreement Rules · Context
Wallet Spanish note and card issuer line
A Spanish-language note says the page has information about using your Chase Visa card in digital wallets and asks you to call the number on the back of your card with questions. A closing line states that credit and debit card products are provided by JPMorgan Chase Bank, N.A., Member FDIC.
Supporting quotations
Esta página contiene información acerca del uso de su tarjeta Chase Visa® en billeteras digitales. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.
Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member FDIC
Charges & Financial Obligations · Context
Transfers Service Addendum: moving money between your accounts and external accounts, last updated June 2026
This Addendum, last updated June 2026, governs the service to transfer funds between your eligible accounts held by Chase, or between an eligible Chase account and an External Account. Capitalized terms not defined in it take their meaning from the General Terms and Conditions, except as the Addendum says otherwise; the sentence cites "Section 6 below", but this Addendum’s numbered sections run from 1 to 5, with Definitions as Section 5.
Supporting quotations
Addendum:
Transfers Service
Last updated: June 2026
This Addendum governs your use of the service to Transfer funds between your eligible accounts held by us, or between an eligible account held by us and an External Account (“Transfers Service” or for purposes of this Addendum, the “Service”). Except as otherwise set forth in this Addendum (including Section 6 below), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.
Not stated here
The sentence cites "Section 6 below", but the Addendum has no Section 6; its Definitions are Section 5, so the intended target is not confirmed by the document.
Charges & Financial Obligations · Restriction or exception
Payments and Transfers: sent or completed items cannot be cancelled; savings, credit lines and eligibility
You may use the Online Services to make one-time or repeating payments to Chase Loans or Credit Accounts, or to transfer funds between your eligible Chase accounts or between an eligible Chase account and an External Account. When you use, or allow another to use, the Online or Mobile Services to send such Instructions you agree to this Addendum, and once a Payment or Transfer has a status of "Sent" or "Completed" you cannot cancel it. Your payments and transfers appear on your account statements. Some payments and transfers, such as online wire transfers, payroll and tax payments and Zelle, are subject to separate terms. A transfer from a savings account using the Online or Mobile Services is a restricted Transfer subject to limitations in your deposit account agreement. Eligible Transfers from a line of credit are treated as advances, accrue interest under your line of credit agreement, and are subject to its advance terms. You agree to follow other written requirements Chase gives you for your accounts and loans. Not all accounts are eligible, and Chase may limit eligibility, change it over time and restrict recipient categories in its sole discretion.
Supporting quotations
1. General Terms Applicable to Payment and Transfers
You may use the Online Services to make one-time or repeating payments to Chase Loans or Credit Accounts (“Chase Bill Payments” or for the purposes of this Addendum only “Payments”), or to transfer funds between your eligible accounts held by us, or between an eligible account held by us and an External Account (“Transfers”) (collectively “Chase Bill Payments and Transfers" or “Payments and Transfers”). For the purposes of this Addendum only, Transfers means a transfer of funds pursuant to an Instruction to move funds electronically from one account to another specifically when using Payments and Transfers. When you use, or allow another to use, the Online Service or Mobile Services to send Instructions to us to make Payments or Transfers between two eligible accounts through the Online Service or Mobile Services, you agree to the terms and conditions set forth in this Addendum. You also agree that once a Payment or Transfer has been designated with a status of “Sent” or “Completed”, you cannot cancel that Payment or Transfer.
All of your payments and transfers made through the Transfers Service will appear on the statements for your respective accounts. Certain payments or transfers available through the Online Service or Mobile Services may also be subject to terms and conditions separate from this Addendum that apply to such other services including, but not limited to, the online wire transfer service, payroll and tax payment services, the Chase Zelle® Service (aka Zelle® or Zelle® Service). Please refer to the agreements and documentation that you receive for those services for that information.
Any transfer made from any of your savings accounts by using the Online Service or Mobile Services is a restricted Transfer subject to certain limitations. Please refer to our deposit account agreement or other terms and conditions governing your account for full details.
Additionally, eligible Transfers made from any line of credit account will be treated as an advance on such line of credit, and in addition to accruing interest under the terms of your line of credit agreement, will also be subject to all other terms and limitations on advances thereunder.
You agree to be bound by and comply with such other written requirements as we may furnish to you in connection with your deposit accounts, credit card accounts, and other products that may be accessed via Payment and Transfers, including without limitation, your deposit account agreement or other terms and conditions governing your account, credit card, mortgage, auto, installment loan or line of credit agreements.
Not all accounts are eligible for Payments and Transfers. We reserve the right to limit eligibility to certain types of accounts and to change such eligibility from time to time. We also reserve the right to restrict categories of recipients to whom Payments and Transfers may be made in our sole discretion.
Qualifications & exceptions
Sent and Completed items cannot be cancelled.
Savings account transfers are restricted under the deposit account agreement.
Charges & Financial Obligations · Procedure
Transfers cutoff table, deposit account transfers: 11:00 PM ET for Internal, 8:00 PM ET for External
The Transfers cutoff table has columns for the Transfer/Payment Type, the time to schedule Payments and Transfers, and the time to cancel them, all in ET on a Business Day. For Transfers to or from Chase deposit accounts, the schedule cutoff is 11:00 PM ET for Internal Transfers and 8:00 PM ET for External Transfers. The cancel cutoff is 11:00 PM ET for Future Dated Internal Transfers, except as provided below, and once you start a same-day Internal Transfer you cannot stop or cancel it; for External Transfers the cancel cutoff is 8:00 PM ET.
Supporting quotations
a. Cutoff Times
Cutoff Times are as follows on any Business Day in ET:
| Transfer/Payment Type | Schedule Payments and Transfers | Cancel Payments and Transfers |
| Transfers to or from Chase deposit accounts | • 11:00 PM ET on any Business Day for Internal Transfers • 8:00 PM ET on any Business Day for External Transfers |
Qualifications & exceptions
A same-day Internal Transfer cannot be stopped or cancelled once started.
Charges & Financial Obligations · Procedure
Transfers cutoff table, mortgage payments: 7:30 PM ET from Chase deposit accounts, 8:00 PM ET from others
In the Transfers cutoff table, for payments to Chase mortgage loans the schedule cutoff is 7:30 PM ET on any Business Day from a Chase eligible deposit account and 8:00 PM ET on any Business Day from a non-Chase deposit account, and the cancel cutoffs are the same. For payments to Chase commercial term lending mortgage loans the table also gives 7:30 PM ET for payments from a Chase eligible deposit account and 8:00 PM ET for payments from a non-Chase deposit account, for both scheduling and cancelling.
Supporting quotations
| Payments to Chase mortgage loans
Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non- Chase deposit account |
| Payments to Chase commercial term lending mortgage loans | • 7:30 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | • 7:30 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non- Chase deposit account |
Qualifications & exceptions
The mortgage row is split across two blocks in the source text but is one table row.
Charges & Financial Obligations · Procedure
Transfers cutoff table, home equity and personal loans: 11:59 PM ET to schedule, 8:00 PM or 11:00 PM ET to cancel
In the Transfers cutoff table, for payments to Chase home equity or personal loans or line of credit accounts, the schedule cutoff is 11:59 PM ET on any day for payments from a Chase eligible deposit account (Future Dated payments by 11:59 PM ET on any Business Day) and 8:00 PM ET on any Business Day from a non-Chase deposit account. The cancel cutoff is 8:00 PM ET for same-day payments from a Chase eligible deposit account scheduled before 8:00 PM ET, 11:00 PM ET for same-day payments from a Chase eligible deposit account scheduled after 8:00 PM ET, and 8:00 PM ET on the Payment date for Future Dated payments from a Chase eligible deposit account or a non-Chase deposit account.
Supporting quotations
| Payments to Chase home equity or personal loans or line of credit accounts | • 11:59 PM ET on any day for payments from a Chase eligible deposit account, with the exception of Future Dated payments, which can be made by 11:59 PM ET on any Business Day. • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | • 8:00 PM ET for same day payments from a Chase eligible deposit account, if the payment was scheduled prior to 8:00 PM ET • 11:00 PM ET for same day payments from a Chase eligible deposit account, if the payment was scheduled |
after 8:00 PM ET • 8:00 PM ET on the Payment date for Future Dated payments from a Chase eligible deposit account or a non- Chase deposit account |
Qualifications & exceptions
The row is split across two blocks in the source text but is one table row.
Charges & Financial Obligations · Procedure
Transfers cutoff table: auto loans, home equity lines, business lines of credit
In the Transfers cutoff table, for payments to Chase auto loans or lease accounts the schedule cutoff is 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account and 8:00 PM ET from a non-Chase deposit account, and the cancel cutoffs repeat those times. For Transfers from Chase home equity lines of credit, Internal Transfers to a Chase eligible deposit account can be scheduled until 11:59 PM ET any day and External Transfers until 8:00 PM ET on any Business Day; a same-day Internal Transfer cannot be stopped or cancelled once started, and the External Transfer cancel cutoff is 8:00 PM ET. For Transfers from Chase business lines of credit, Internal Transfers to a Chase eligible deposit account can be scheduled until 11:59 PM ET any day, Transfers to a non-Chase deposit account are not available, and a same-day Internal Transfer cannot be stopped or cancelled once started. For payments to Chase business lines of credit, the schedule and cancel cutoff is 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account, and payments from a non-Chase deposit account are not available.
Supporting quotations
| Payments to Chase auto loans or lease accounts | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non-Chase deposit account | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account • 8:00 PM ET on any Business Day for payments from a non- Chase eligible deposit account |
| Transfers from Chase home equity lines of credit | • 11:59 PM ET any day for Internal Transfers to a Chase eligible deposit account • 8:00 PM ET on any Business Day for External Transfers |
| Transfers from Chase business lines of credit | • 11:59 PM ET any day for Internal Transfers to a Chase eligible | • Once you initiate a same day Internal Transfer, you
deposit account • Transfers to a non- Chase deposit account are not available | have no ability to stop or cancel such transfer. |
| Payments to Chase business lines of credit | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account • Payments from a non-Chase deposit account are not available | • 11:00 PM ET on any Business Day for payments from a Chase eligible deposit account |
Qualifications & exceptions
The business line of credit rows split across blocks in the source text but are single table rows.
Transfers to non-Chase deposit accounts and payments from non-Chase deposit accounts are not available for business lines of credit.
Charges & Financial Obligations · Procedure
Transfers cutoff table: securities-based lines and Investment Accounts, 4:00 PM and 4:30 PM ET
In the Transfers cutoff table, Transfers from securities-based lines of credit to a Chase eligible deposit account, and payments to securities-based lines of credit from a Chase eligible deposit account, have a 4:00 PM ET cutoff on any Business Day to schedule, and once you start a same-day internal transfer or payment you cannot stop or cancel it. For Transfers to or from Investment Accounts, a Current Day Transfer must be initiated by 4:30 PM ET on a Business Day, and Future Dated Internal Transfers can be cancelled until 4:30 PM ET on a Business Day, except as provided below, with no way to stop a same-day Internal Transfer once started. A footnote says Transfers involving money market mutual funds may be subject to earlier cutoff times set by the fund company, as shown in the prospectus or by calling the number on your statement. For Investment Accounts, the text adds that Sections 1.2(b)(iv) and 1.2(c)(iv) also apply, which are the Investment Account paragraphs under Internal Transfers and External Transfers.
Supporting quotations
| Transfers from Securities-based lines of credit | • 4:00 PM ET on any Business Day for transfers to a Chase eligible deposit account | • Once you initiate a same day internal transfer, you have no ability to stop or cancel such transfers |
| Payments to Securities-based lines of credit | • 4:00 PM ET on any Business Day for payments from a Chase eligible deposit account | • Once you initiate a same day internal payments, you have no ability to stop or cancel such payments |
| Transfers to or from Investment Accounts | • 4:30 PM ET on any Business Day for initiating a Current Day Transfer to or from Investment Accounts* | • 4:30 PM ET on any Business Day for Future Dated Internal Transfers*, except as |
*Transfers involving money market mutual funds may be subject to other cutoff times mandated by the applicable mutual fund company, which may be earlier than 4:30 PM ET. For more information, please see the prospectus or call the telephone number on the front of your account statement. |
Notwithstanding the foregoing, for Investment Accounts, Sections 1.2(b)(iv) and 1.2(c)(iv) also apply.
Transfers to or from Investment Accounts: Current Day Transfers can be made between eligible deposit accounts held by us and an Investment Account. NOTE: You can cancel an existing one time Transfer request or cancel/modify a recurring Transfer request online. However, in order to modify a recurring distribution from a retirement account, you must call Investment Services at 1-800-392-5749.
iv. Transfers to or from Investment Accounts
Qualifications & exceptions
The footnote on money market mutual funds applies to the Investment Account row.
Fund company cutoffs may be earlier than 4:30 PM ET.
Not stated here
The Investment Account paragraphs referred to are analyzed in their own sections.
Charges & Financial Obligations · Company practice
Payments and Transfers: cancel online; no monthly fee, but overdraft or credit limit charges may apply
If you wish to cancel a Payment or Transfer you should cancel it online. Unless your account agreement says otherwise, Chase does not charge a monthly service fee for Payments or Transfers. If Chase processes a Payment or Transfer per your Instructions that overdraws your account or exceeds your Chase credit card limit, it may assess a fee or charge interest under your deposit account agreement or other applicable agreement. Chase is not responsible for any Payment or Transfer request if there is not enough money in the designated Pay From or From Account.
Supporting quotations
If you wish to Cancel a Payment or Transfer, you should cancel your transaction online.
b. Service Fees
Unless otherwise noted in your account agreement, we do not charge a monthly service fee for Payments or Transfers. If we process a Payment or Transfer in accordance with your Instructions that overdraws your account or exceeds your J.P. Morgan Chase credit card limit, we may assess a fee or charge interest in accordance with the terms of your deposit account agreement or other applicable agreement. We are not responsible for any Payment or Transfer request if there isn’t enough money in the designated Pay From or From Account.
Charges & Financial Obligations · User right or choice
Preauthorized (repeating) transfers: same amount on a set date; stop orders three Business Days ahead
You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fund Transfer, authorized in advance so it recurs at substantially regular intervals without further action, such as monthly or, if available, biweekly or bimonthly, for the same fixed amount to the same Payee or To Account ("Repeating Payments and Transfers"). These are sent on the same calendar day each month or other set date you schedule. If the scheduled Send On date or Transfer date falls on a non-Business Day, Payments are sent on the following Business Day (except Auto and Business Loans and Lines of Credit, which are sent on the prior Business Day) and Transfers are sent on the prior Business Day. They are deducted from your Pay From or From Account on the Send On or Transfer date. To authorize one you agree to have a way to print your authorization, or else authorize each Repeating transaction individually until you do. From a Consumer Account you have the right to stop payment of a Preauthorized Electronic Fund Transfer by notifying Chase at least three Business Days before the Send On date in the manner your account agreement specifies; if Chase does not act on a timely stop payment notice it is liable for those losses or damages as provided by law. If you cannot access the Online or Mobile Services you can call or write Online Customer Service, and if you call Chase may require your request in writing within fourteen days after the call.
Supporting quotations
c. Preauthorized Electronic Fund Transfers
You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fund Transfer, which you authorize in advance of a Payment or Transfer so it will take place on a recurring basis, at substantially regular intervals, and no further action will be required from you to initiate it. Preauthorized Electronic Fund Transfers may recur on a set Transfer period, e.g., monthly, or if available, other interval of time (e.g. biweekly, bimonthly) for the same fixed amount to the same Payee or To Account (“Repeating Payments and Transfers”), and will be sent on the same calendar day of each month or other set date that you schedule (e.g., every two weeks), if applicable. However, if the regularly scheduled Send On date or Transfer date falls on a non-Business Day, Payments will be Sent on the following Business Day (except for Auto and Business Loans and Lines of Credit, which will be sent on the prior Business Day), and Transfers will be Sent on the prior Business Day. Repeating Payments and Transfers will be deducted from your Pay From account or From Account, on the Send On date or Transfer date, as applicable. In order to authorize a Repeating Payment or Transfer, you agree to have means to print a copy of your authorization for your records.
You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by notifying us at least three (3) Business Days before the Send On date of the scheduled Payment or Transfer in the manner specified in your applicable account agreement; if we do not do so in response to a timely stop payment notice, we will be liable to you for those losses or damages as provided by law. If for any reason you cannot access the Online Service or Mobile Services, you may also call or write Online Customer Service at the phone number or address set forth in the paragraph entitled "Your Liability for Unauthorized Transfers or Payments" herein. If you call, we may also require you to present your request in writing within fourteen (14) days after you call.
Qualifications & exceptions
The stop payment right is stated for a Consumer Account and requires notice at least three Business Days before the Send On date.
Prior-Business-Day rule applies to Auto and Business Loans and Lines of Credit payments and to Transfers.
Liability is "as provided by law".
Charges & Financial Obligations · User right or choice
Transfers: stop payment right for preauthorized transfers, and Automatic Payments to Chase loans and credit accounts
You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by telling Chase at least three Business Days before the Send On date of the scheduled Payment or Transfer, in the manner your account agreement specifies; if Chase does not act on a timely stop payment notice it is liable for those losses or damages as provided by law. If you cannot access the Online or Mobile Services you may call or write Online Customer Service, and if you call Chase may require your request in writing within fourteen days. Some Chase Loan and Credit Accounts may let you set up Automatic Payments, with terms shown at set-up that may cover payment options, timing, how payment is applied to your balance, and applicable interest and fees.
Supporting quotations
You have the right to stop payment of a Preauthorized Electronic Funds Transfer from your Consumer Account by notifying us at least three (3) Business Days before the Send On date of the scheduled Payment or Transfer in the manner specified in your applicable account agreement; if we do not do so in response to a timely stop payment notice, we will be liable to you for those losses or damages as provided by law. If for any reason you cannot access the Online Service or Mobile Services, you may also call or write Online Customer Service at the phone number or address set forth in the paragraph entitled "Your Liability for Unauthorized Transfers or Payments" herein. If you call, we may also require you to present your request in writing within fourteen (14) days after you call.
Some Chase Loan and Credit Accounts may allow you to set up Automatic Payments. Terms and conditions for Automatic Payments to eligible Chase Loan and Credit Accounts will be presented to you at the time you set up the payments. These may include information on available payment options, payment timing and how your payment will be applied to your outstanding balance, applicable interest and fees. See additional details about Automatic Payments in the Section entitled Payments to Chase Loans or Credit Accounts below.
Qualifications & exceptions
The stop payment right is stated for a Consumer Account and needs notice at least three Business Days before the Send On date.
Automatic Payment terms are presented at set-up and are not in this source.
Not stated here
The terms for Automatic Payments are shown at set-up and are not part of this source.
Charges & Financial Obligations · Procedure
Investment Accounts: cancel or modify transfers online or by phone; retirement distributions by phone
For Investment Accounts, you can cancel an existing one-time transfer request, or cancel or modify a recurring transfer request, using the Chase Mobile app, chase.com or by calling Investment Services at the number given. To modify or cancel a recurring distribution from a retirement account, you must call Investment Services.
Supporting quotations
For Investment Accounts, you can cancel an existing one time transfer request or cancel/modify a recurring transfer request using the Chase Mobile app, chase.com or by calling Investment Services at 1-800-392-5749. However, in order to modify or cancel a recurring distribution from a retirement account, you must call Investment Services at 1-800- 392-5749.
Qualifications & exceptions
Retirement account recurring distributions can be changed or cancelled only by phone.
Charges & Financial Obligations · Restriction or exception
Transfers: you need funds on the Transfer date; Current Day transfers are rejected, future-dated ones retried
You authorize Chase to charge your From Account for all Transfers you start and agree to have sufficient funds or available credit on the Transfer date. Except for certain Transfers to and from Investment Accounts, if funds (including funds in a linked overdraft protection account) or available credit are insufficient for a Current Day Transfer, Chase does not retry and the Transfer is immediately rejected. For Future Dated transfers (excluding Autosave Transfers from a deposit), if funds are insufficient on the Transfer date, Chase will automatically try to debit up to two more times on each of the three succeeding Business Days, showing "Funds Needed" in Transfer Activity; after the final attempt the request is Cancelled and shows "Funding Failed", and Chase notifies you of each failed attempt as applicable laws and regulations require. For Investment Accounts you can set a future Transfer date even with insufficient funds: on the date any available funds are transferred even if below the requested amount, leaving a zero cash balance, and you are notified; if the balance is zero on the date, the Transfer is rejected.
Supporting quotations
1.2 Transfers
a. Terms Applicable to Transfers
You authorize us to charge your designated From Account for all Transfers of funds that you initiate and you agree to have sufficient funds or available credit in your From Account on the Transfer date for each such transfer you schedule. Except with regard to certain Transfers to and from Investment Accounts, if there are insufficient available funds, including funds in any linked account used for overdraft protection, (or available credit) to cover a Current Day Transfer, we will not retry the transaction and the Transfer will be immediately rejected.
In the case of Future Dated transfers (excluding Autosave Transfers from a deposit), if sufficient funds are not in your account (inclusive of any funds in a linked account used for overdraft protection) on the Transfer date, we will automatically try to debit your account up to two (2) more times on each of the three (3) succeeding Business Days. For these attempts, a status of “Funds Needed” will appear in your Transfer Activity on Chase Online and Chase Mobile . After the final attempt, the transfer request will be Cancelled. A status of “Funding Failed” will appear in your Transfer Activity on Chase Online and Chase Mobile. We will also notify you of each failed attempt to transfer from your From Account in accordance with applicable laws and regulations.
For Investment Accounts, you can set a future Transfer date even if there are insufficient funds in the Investment Account. On the Transfer date, any available funds will be transferred, even if the amount is below the requested Transfer, which will mean that the cash balance in the Investment Account will be zero ($0). You will be notified if your available cash balance is below your Transfer amount. If your account has a zero ($0) balance as of the Transfer date, the Transfer will be rejected.
Qualifications & exceptions
Investment Account transfers can partially complete and leave a zero cash balance.
Autosave Transfers from a deposit are excluded from the retry rule.
Charges & Financial Obligations · Restriction or exception
Internal Transfers: daily limits, home equity line maximums and Current Day transfers that cannot be cancelled
Internal Transfers move funds between your eligible accounts held by Chase, and you need at least two eligible accounts; Chase may determine eligibility and restrict recipient categories in its sole discretion. Chase sets a daily dollar limit on Internal Transfers to or from your eligible Chase accounts even if your available balance is higher, may allow transactions above your limits or temporarily reduce them without notice for security, and may refuse to process a transaction that exceeds the limits or to protect your account or the transfer system. You may transfer up to your available balance plus any overdraft protection account, or your credit limit where applicable. If your From Account is a home equity line of credit secured by Texas homestead property, the minimum transfer is $4,000.00 to the extent eligible. Current Day Internal Transfer Instructions begin processing immediately and cannot be cancelled. If your From Account is a Chase home equity line of credit, to the extent eligible, you may make Internal Transfers up to $200,000 daily, or $500,000 daily if you are a Private Banking customer.
Supporting quotations
b. Internal Transfers
Internal Transfers can be used to Transfer funds between your eligible accounts held by us. To make Internal Transfers, you must have at least two eligible accounts with us between which you may Transfer money. We reserve the right to determine eligibility and to restrict categories of recipients to whom Internal Transfers may be made in our sole discretion.
Transfer Limits: To protect your account, we place a daily dollar limit on Internal Transfers sent to or from your eligible Chase accounts, even if your available balance is higher than the daily limit. However, we may allow transactions that exceed your limits or temporarily reduce your limits without notice, for security purposes. We may refuse to process any transaction that exceeds the applicable limits or to protect the security of your account or the transfer system. You may make Internal Transfers up to (A) your available balance plus any amount in your overdraft protection account; or (B) your credit limit, to the extent applicable. If you have selected a home equity line of credit secured by Texas homestead property as your From Account, the minimum transfer allowed through Transfers is $4,000.00, to the extent eligible. Current Day Internal Transfer Instructions begin to process immediately and cannot be Cancelled. If your From Account is a J.P. Morgan Chase home equity line of credit, to the extent eligible, you may make Internal Transfers up to a maximum amount of (A) $200,000 daily; or (B) $500,000 daily, if you are a Private Banking customer.
Qualifications & exceptions
Limits can be reduced temporarily without notice for security.
The home equity maximums apply "to the extent eligible".
Current Day Internal Transfers cannot be cancelled.
Not stated here
The standard daily dollar limit on Internal Transfers is not stated in this paragraph.
Charges & Financial Obligations · Procedure
Internal Transfers between deposit accounts: Current Day availability and after-cutoff limits
Current Day transfers between deposit accounts held by Chase made before the Cutoff Time are processed immediately and the funds are available the same day to cover all transfers. Funds transferred to Chase deposit accounts after the Cutoff Time on the Current Day or on a non-Business Day are available for immediate cash withdrawal at ATMs and for online transactions, but not to cover other payments such as paper checks until the next Business Day. Repeating transfers are paid on the same calendar day of each period, or the next Business Day if the Transfer date is a non-Business Day. Future Dated transfers (including Repeating transfers from Chase deposit accounts) are deducted from your From Account on the Transfer date.
Supporting quotations
Transfers between deposit accounts held by us: Current Day transfers between deposit and accounts held by us that are made before the Cutoff Time will be processed immediately and the transferred funds will be available the same day to cover all transfers. Funds transferred to deposit accounts held by us and made after the Cutoff Time on the Current Day or on a non- Business Day will be available for immediate cash withdrawal at ATMs and for online transactions, however the funds will not be available to cover other payments such as paper checks until the next Business Day. Repeating transfers will be paid on the same calendar day of each transfer period, or on the next Business Day if the regular Transfer date falls on a non-Business Day. Future Dated transfers (including Repeating transfer(s) from deposit accounts held by us) will be deducted from your From Account on the Transfer date.
Qualifications & exceptions
After-cutoff funds are available for ATM and online use immediately but not for other payments until the next Business Day.
Charges & Financial Obligations · Restriction or exception
Transfers from lines of credit: limits follow your credit agreement; no future-dated or repeating transfers
Current Day money transfers from line of credit accounts held by Chase are reflected in your account as soon as Chase receives the request. The minimum or maximum you can withdraw via Transfers is subject to the terms of your existing credit agreements with Chase. Future Dated and Repeating Transfers cannot be made from line of credit accounts with Chase.
Supporting quotations
Transfers from line of credit accounts held by us: Current Day money transfers from line of credit accounts held by us will be reflected in your account as soon as we receive the transfer request. The minimum or maximum you will be able to withdraw via Transfers is subject to the terms of your existing credit agreements with us. Future Dated and Repeating Transfers cannot be made from line of credit accounts with us.
Charges & Financial Obligations · Procedure
Transfers to and from Investment Accounts: posting times, trading availability and immediate cash reduction
Current Day Transfers can be made between eligible deposit accounts held by Chase and an Investment Account, and you can cancel a one-time Transfer or cancel or modify a recurring Transfer online, but must call Investment Services to modify a recurring distribution from a retirement account. For Transfers to an Investment Account, Instructions received on a Business Day between 3:00 AM ET and the Cutoff Time are posted and available for trading immediately that day; Instructions received after the Cutoff Time are posted and available for trading at or about 4:00 AM ET on the next Business Day, and Instructions received on a non-Business Day at or about 4:00 AM ET on the next available Business Day. For Transfers from an Investment Account, Instructions received between 3:00 AM ET and the Cutoff Time are posted and available for withdrawal in the To Account immediately, while later or non-Business Day Instructions are available at or about 3:00 AM ET on the next Business Day. In all cases the Investment Account cash balance is reduced immediately by the Transfer amount and is no longer available for withdrawal or trading, whether Instructions arrive before or after the Cutoff Time.
Supporting quotations
Transfers to or from Investment Accounts: Current Day Transfers can be made between eligible deposit accounts held by us and an Investment Account. NOTE: You can cancel an existing one time Transfer request or cancel/modify a recurring Transfer request online. However, in order to modify a recurring distribution from a retirement account, you must call Investment Services at 1-800-392-5749.
Transfers to Investment Account
When Instructions are received by us on a Business Day between 3:00 AM ET and the Cutoff Time, funds will be posted to, and viewable in, the Investment Account and available for trading immediately as of the day the Instruction was made.
When Instructions are received after the Cutoff Time, funds will be posted to, and viewable in the Investment Account and available for trading at or about 4:00 AM ET on the next Business Day following the day the Instruction was made.
Transfers from Investment Account
When Instructions are received by us on a Business Day between 3:00 AM ET and the Cutoff Time, Transfers will be immediately posted to, and available for withdrawal in the To Account. When Instructions are received after the Cutoff Time, Transfers will be posted and available for withdrawal in the To Account at or about 3:00 AM ET on the next Business Day following the day the Instruction was made.
In all instances, the Investment Account cash balance will be immediately reduced by the amount of the Transfer and no longer be available for withdrawal or trading, regardless of whether Instructions are received at or before/after the Cutoff Time.
Qualifications & exceptions
Timing depends on whether Instructions arrive before the Cutoff Time, after it, or on a non-Business Day.
The cash balance is reduced immediately even when the To Account receives funds the next Business Day.
Charges & Financial Obligations · Restriction or exception
Transfers: large or repeated same-day transfers can require manual approval
Certain Transfers, including Transfers from an Investment Account over $100,000.00, multiple same-day Transfers and certain future-dated Transfers, are subject to manual approval, and Transfers to or from Investment Accounts occur under the stated terms once approved.
Supporting quotations
Manual Approval
Certain Transfers including Transfers from an Investment Account over $100,000.00, multiple same day Transfers and certain future dated Transfers are subject to manual approval and Transfers to/from Investment Accounts will occur according to these terms upon such approval.
Qualifications & exceptions
The list of transfers subject to manual approval is introduced by "including", so it is not exhaustive.
Charges & Financial Obligations · Permission or license
Autosave: Chase may move money for you within your limits, and you must monitor it
You can set up automatic Transfers from your checking account to your savings account or other account types Chase specifies. Chase may offer Autosave features that give it discretion, within limits you set, to make periodic Transfers based on factors such as your account balance and spending patterns, and you agree to monitor those Transfers closely and change or cancel them as you see fit, using the Chase Mobile app or Chase Online. Except as the terms specifically set out or where the law requires a different standard, Chase is not liable for errors, losses or damages from any Transfer or failure to Transfer under an Autosave feature you select for any reason, including system outages or defects, and in particular is not liable for interest, gains or dividends you did or did not earn because of Autosave.
Supporting quotations
Autosave Feature: You can set up automatic Transfers from your checking account to your savings account, or to other types of accounts that we may specify from time to time. We may offer certain Autosave features which, if used by you, give us discretion, within limits set by you, to make periodic Transfers based on factors such as your account balance and spending patterns, and you agree to regularly monitor such Transfers closely and change or cancel them as you determine necessary. Use the Chase Mobile or Chase Online to set up, review, change or cancel your transfers. Except as specifically set forth herein or where the law requires a different standard, we are not liable for any errors, losses or damages in connection with any Transfer of funds or failure to Transfer funds under any Autosave feature that you select, for any reason, including system outages or defects. In particular, we will not be liable for any interest, gains or dividends you might have earned or not earned in any account as a result of your use of Autosave.
Qualifications & exceptions
Chase’s discretion operates within limits you set.
Non-liability is subject to the Addendum’s specific terms and any legally required standard.
Charges & Financial Obligations · Restriction or exception
External Transfers: you need an eligible Chase account and Chase decides eligibility
External Transfers move funds between an eligible Chase account and an External Account. To start one you must have at least one eligible deposit account, Investment Account, line of credit, mortgage, installment loan or auto loan account with Chase. Chase may determine eligibility and restrict the categories of recipients to whom External Transfers may be made in its sole discretion.
Supporting quotations
c. External Transfers
External Transfers can be used to Transfer funds between an eligible account held by us and an External Account. To initiate External Transfers you must have at least one eligible deposit account, Investment Account, line of credit, mortgage, installment loan or auto loan account with us. We reserve the right to determine eligibility and to restrict categories of recipients to whom External Transfers may be made in our sole discretion.
Charges & Financial Obligations · Restriction or exception
External Transfer limits: $25,000 daily for Consumer Banking, $100,000 for other segments, set dynamically
Chase places a daily dollar limit on External Transfers to or from your eligible Chase accounts even if your available balance is higher, may allow transactions above your limits or temporarily reduce them without notice for security, and may refuse transactions over the limits or to protect your account or the transfer system. Excluding Transfers to or from Investment Accounts, External Transfers can be up to the daily maximum in the chart for your account segment, in the aggregate from all your combined Chase accounts. The chart’s columns are the account segment and the Maximum Daily Limit for all accounts in the aggregate: Consumer Banking $25,000.00; Chase Sapphire Banking $100,000.00; Chase Private Client $100,000.00; Private Banking $100,000.00; Business Banking $100,000.00. To help protect against fraud and scams, Chase dynamically determines the limit for each External Transfer from internal criteria when you schedule it, so the limit shown at set-up may be lower than the chart. If your From Account is a home equity line of credit secured by your Texas homestead, each transfer must be at least $4,000 to the extent eligible. If your From Account is a Chase home equity line of credit, to the extent eligible, External Transfers can be up to $200,000 daily, or $500,000 daily for Private Banking customers.
Supporting quotations
i. Transfer Limits: To protect your account, we place a daily dollar limit on External Transfers sent to or from your eligible Chase accounts, even if your available balance is higher than the daily limit. However, we may allow transactions that exceed your limits or temporarily reduce your limits without notice, for security purposes. We may refuse to process any transaction that exceeds the applicable limits or to protect the security of your account or the transfer system. Excluding Transfers to or from Investment Accounts, Transfers to or from External Accounts may be made in amounts of up the daily maximum noted in the chart below for your applicable account segment in the aggregate from all your combined Chase accounts, except as otherwise described in the subsections below. To help protect you from fraud and scams, Chase dynamically determines the limit for each External Transfer(s) based on internal Chase criteria at the time you schedule the transfer. The maximum daily limit applicable to you will be displayed at the time you set up the transfer and may be lower than the maximum shown in the table below. If your From Account is a home equity line of credit secured by your Texas homestead, to the extent eligible, each transfer must be a minimum of $4,000.
| | Maximum Daily Limit (all accounts in the aggregate) |
| Consumer Banking | $25,000.00 |
| Chase Sapphire Banking | $100,000.00 |
| Chase Private Client | $100,000.00 |
| Private Banking | $100,000.00 |
| Business Banking | $100,000.00 |
ii. If your From Account is a J.P. Morgan Chase home equity line of credit, to the extent eligible, you may make External Transfers up to a maximum amount of (A) $200,000 daily; or (B) $500,000 daily, if you are a Private Banking customer.
Qualifications & exceptions
The displayed limit at set-up may be lower than the chart maximum.
The chart limits are aggregated across all your combined Chase accounts.
Transfers to or from Investment Accounts are excluded from the chart.
Home equity maximums apply "to the extent eligible".
Charges & Financial Obligations · Procedure
External Transfers: processing starts the same day if received by cutoff; cancel until the cutoff on the Send On Date
Transfers between eligible Chase deposit accounts and an External Account that Chase receives by the Cutoff Time on a Business Day begin processing the same day. Transfers to an External Account are deducted from your Chase From Account on the calendar date and usually appear in the External Account on the Deliver By Date. Transfers from External Accounts are subject to the processing times of the institution holding the External Account, and Instructions received by the Cutoff Time on a Business Day are sent to that institution the same day. Instructions entered via the External Transfer Service may be cancelled until the Cutoff Time on the Send On Date.
Supporting quotations
iii. Transfers between eligible deposit accounts held by us and an External Account that we receive by the Cutoff Time on any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your From Account held by us on the calendar date and will usually be reflected in your External Account on the Deliver By Date. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for Transfers from External Accounts that we receive by the Cutoff Time on a Business Day will be sent to the holder of your External Account on the same day for processing. Instructions entered via the External Transfer Service may be Cancelled until the Cutoff Time on the Send On Date.
Qualifications & exceptions
Timing for transfers from External Accounts depends on the other institution.
Charges & Financial Obligations · Procedure
External Transfers with Investment Accounts: posting times, trading availability and a four-day hold
For Transfers to an Investment Account from an External Account, Instructions received at or before the Cutoff Time lead to funds posted and viewable by 5:01 p.m. ET on the next Business Day, and Instructions received after the Cutoff Time by 5:01 p.m. ET on the second Business Day; the funds are available for trading at or about 11:59 p.m. ET on the day they post. Between posting and trading availability, Chase places a hold on the External Account for the transfer amount for up to four Business Days. For Transfers from an Investment Account to an External Account, Instructions at or before the Cutoff Time post as of 5:01 p.m. ET on the next Business Day and later Instructions as of 5:01 p.m. ET that day, with funds available in the External Account at or about 11:59 p.m. ET that day. In every case the Investment Account cash balance is reduced immediately and is no longer available for withdrawal or trading.
Supporting quotations
iv. Transfers to or from Investment Accounts
A. Transfers to Investment Account. When Instructions are received by us at or before the Cutoff Time, funds will be posted to, and viewable in, the Investment Account by 5:01 p.m. ET on the next Business Day after the day the Instruction was made. These funds will be available for trading at or about 11:59 p.m. ET on the day they post and are viewable in the Investment Account. When Instructions are received after the Cutoff Time, funds will be posted to, and viewable in, the Investment Account by 5:01 p.m. ET on the second Business Day following the day the Instruction was made. These funds will be available for trading at or about 11:59 p.m. ET on the day they post and are viewable in the Investment Account. During the interim period between when the funds are posted and are viewable and available for trading, a hold for the amount in question will be placed on the External Account in the amount of the transfer for up to four (4) Business Days.
B. Transfers from Investment Account. When Instructions are received at or before the Cutoff Time, funds will be posted to, and viewable in, the External Account as of 5:01 p.m. ET on the next Business Day after the day the Instruction was made. These funds will be available in the External Account at or about 11:59 p.m. ET on the day they post and are viewable in the External Account. When Instructions are received after the Cutoff Time, funds will be posted to, and viewable in, the bank account as of 5:01 p.m. ET that day. The funds will be available in the External Account at or about 11:59 p.m. ET on the day they post and are viewable in the External Account. Regardless of whether Instructions are received at or before/after the Cutoff Time, the Investment Account cash balance will be immediately reduced by the amount of the Transfer and no longer be available for withdrawal or trading.
Qualifications & exceptions
Timing differs for Instructions received at or before versus after the Cutoff Time.
A hold of up to four Business Days applies on the External Account for transfers to an Investment Account.
Charges & Financial Obligations · Restriction or exception
External Transfers: credits are provisional, and Chase may charge back any of your accounts if settlement fails
Transfer Instructions relating to External Accounts, and the transmission of data about them, follow this Addendum and the Rules, and you and Chase agree to be bound by the Rules as they are in effect from time to time. Under the Rules, any credit to your Chase deposit account or your External Account is provisional until finally settled by Chase or the third-party institution. You acknowledge notice that if Chase does not receive final settlement for a transfer for any reason, it will charge the amount back to the Transfer To or From Account (as applicable) or any of your other accounts, or claim a refund from you. Chase may at any time delay availability of funds transferred into your deposit account by a debit from another account while settlement is pending or until the transaction can no longer be reversed under the Rules or applicable law.
Supporting quotations
v. Transfer Instructions relating to External Accounts and the transmission and issuance of data related to such Instructions shall be received pursuant to the terms of this Addendum and the Rules and you and we agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to your deposit account held by us, or your External Account shall be provisional until such credit has been finally settled by us or the third party institution which holds your External Account, as the case may be. You acknowledge that you have received notice of this requirement and of the fact that if we do not receive final settlement for a transfer for any reason, we shall charge back the amount of such transfer to the Transfer To or From Account (as applicable) or any other of your accounts or claim a refund from you. We reserve the right at any time to delay the availability of funds transferred into your deposit account via a debit from another account pending settlement or until such time as those transactions cannot be reversed in accordance with the Rules or applicable law.
Qualifications & exceptions
The charge-back can reach any of your other accounts.
Charges & Financial Obligations · Restriction or exception
Payments to Chase loans: you need funds on the Send On date; overdraft, retries and charges to other accounts
You authorize Chase to remove funds from your Pay From account for all Payments you start and agree to have enough available funds on the Send On or Payment date. Funds in an overdraft protection account count as available. A Current Day payment without enough funds is immediately rejected and not retried. For Future Dated Payments without enough funds on the Send On or Payment date, Chase may reject the request or accept it and process it even if that exceeds your credit limit or overdraws your account; alternatively it will automatically try to debit up to two more times on each of the three succeeding Business Days, showing "Funds Needed", and after the final attempt the payment is Cancelled and shows "Funding Failed", with a message for each failed attempt. You agree Chase may, at its option, follow your Instructions even if the debit exceeds your credit limit or causes or increases an overdraft, and may charge any of your other accounts for an overdraft in your Pay From account. For questions about preauthorized Payments you can call the number on your account statement or deposit account agreement.
Supporting quotations
1.3 Payments
a. General Terms Applicable to Payments
i. Your responsibilities: You authorize us to remove funds from your designated Pay From account for all Payments that you initiate and you agree to have sufficient available funds on the Send On date or Payment date for each such Payment you schedule. Please note that if you have Chase Overdraft Protection for your Pay From account, available funds in the account that you use for overdraft protection are included in the determination of available funds for the Service. If there are insufficient available funds to cover a Current Day payment, we will not retry the payment and it will be immediately rejected. If sufficient funds are not in your account to cover a Current Day payment, we will not retry the transaction and the payment will be immediately rejected. In the case of Future Dated Payments, if sufficient funds are not in your account on the Send On or Payment date we may reject the request, or accept the request and process the payment for delivery (even if such payment processing causes you to exceed your credit limit or overdraw your account). In the alternative, if sufficient available credit or funds are not in your account on the Send On date or Payment date, we will automatically try to debit your account up to two (2) more times on each of the three (3) succeeding Business Days. For these attempts, a status of "Funds Needed" will appear online. After the final attempt, the payment request will be Cancelled. A status of "Funding Failed" will appear. We will send you a message advising you of each failed attempt to debit your Pay From account. You agree that we may, at our option, follow your Instructions to make payments to a Payee, even though a charge to or a debit from your Pay From account may cause you to exceed your credit limit, or bring about or increase an overdraft. In the event of an overdraft to your Pay From account, we may charge any other of your accounts for the amount of the overdraft. For questions about your preauthorized Payments, you may contact us at the telephone number on your account statement or the front of our deposit account agreement.
Qualifications & exceptions
The outcome for Future Dated payments is at Chase’s option.
Chase may charge any other of your accounts for an overdraft.
Charges & Financial Obligations · Restriction or exception
Payments to Chase loans: Chase is not responsible for Payee late charges unless it causes the delay
Chase is not responsible for charges imposed, or any other action taken, by a Payee because of a late Payment, including finance charges or late fees, unless Chase causes processing delays that cause your payment to be late. The source states this in capital letters.
Supporting quotations
ii. WE ARE NOT RESPONSIBLE FOR ANY CHARGES IMPOSED, OR ANY OTHER ACTION, BY A PAYEE RESULTING FROM A LATE PAYMENT, INCLUDING ANY APPLICABLE FINANCE CHARGES AND/OR LATE FEES UNLESS WE CAUSE PROCESSING DELAYS THAT CAUSE YOUR PAYMENT TO BE LATE.
Qualifications & exceptions
Exception: Chase causes processing delays that make the payment late.
Charges & Financial Obligations · Procedure
Payments to Chase loans: Business Day payment dates and next-day processing after cutoff, by loan type
For Chase mortgage or auto loan or lease accounts, only Business Days can be chosen as Payment dates, and Instructions must be received by the Cutoff Time (as stated in the cutoff table) to receive credit that same Business Day; Instructions received on a non-Business Day or after the cutoff are processed the next Business Day. For Chase home equity, personal loan or line of credit accounts, same-day payments from a Chase deposit account made before the cutoff on any day are credited with the date submitted, while Future Dated payments and payments from a non-Chase checking account must use Business Days and follow the same cutoff rule. Payments to Chase credit card accounts have separate payment options and terms shown when you give Instructions. Securities backed, portfolio or margin lines of credit or loans have separate payment options and terms in your loan documents, and not all payment types are available for payments to these loans or lines of credit.
Supporting quotations
b. Payments to Chase Loans or Credit Accounts
i. Payments to Chase Mortgage or Auto Loan or Lease Accounts:
Only Business Days may be chosen as Payment dates for Chase mortgage or auto loan or lease accounts and Instructions must be received by us by the Cutoff Time as stated above to receive credit on that same Business Day; Instructions received on any non- Business Day or after the Cutoff Time on any Business Day will be processed on the next Business Day.
ii. Payments to Chase Home Equity or Personal Loan or Line of Credit Accounts:
Same day payments using a Chase deposit account made before the Cutoff Time as stated above on any day will be credited with the date the payment is submitted. Only Business Days may be chosen as Payment dates for Future Dated payments or payments made using a non-Chase checking account and Instructions must be received by us by the Cutoff Time as stated above to receive credit on that same Business Day; Instructions received on any non-Business Day or after the Cutoff Time on any Business Day will be processed on the next Business Day.
iii. Payments to Chase Credit Card Accounts:
Note: Payments to Chase credit card accounts have separate payment options and terms that will be displayed at the time Instructions are provided by you.
iv. Payments to Securities-based Loans or Business Loans or Lines of Credit:
Note: Securities backed, portfolio or margin lines of credit or loans have separate payment options and terms that will be provided to you in your origination and/or other related loan documents. Not all payment types discussed herein are available for payments to these loans or lines of credit. See your loan terms for details as well as information of other methods of payment that may be available to you.
Qualifications & exceptions
Rules differ for mortgage and auto, home equity and personal, credit card, and securities-based or business loans.
Not stated here
Terms for credit card accounts and securities-based or business loans are shown at the time of the Instruction or in loan documents and are not in this source.
Charges & Financial Obligations · Permission or license
Automatic Payments to Chase loans: separate terms, monthly withdrawals, payment application and rejected payment fees
You may be able to schedule Automatic Payments for eligible Chase loan and line of credit accounts, which have separate terms; you should consult your loan documents and the authorization language shown in the Online Services or app. To set them up Chase asks for your authorization to withdraw Payments from your Pay From account every month in the amount of your regularly scheduled payment, on the due date in your loan documents (or another monthly or other period amount or due date you agreed with Chase). Loan payments (one-time and Automatic) are generally applied to interest first, then principal, escrow (if applicable) and unpaid fees, which may vary by loan product and account status. If a payment is rejected by your bank for insufficient or unavailable funds in your designated Chase or External Account, Chase may, in its discretion, resubmit it up to two times as permitted by applicable law and/or ACH network rules, and Chase or the bank holding your External Account may charge you a fee each time a payment is rejected, including a resubmitted one.
Supporting quotations
v. Automatic Payments:
You may be permitted to schedule Automatic Payments for your eligible Chase loan and line of credit accounts. Separate terms govern Automatic Payments. Consult your loan documents and authorization language, as applicable, presented in the Online Services on Chase Online or in the Chase Mobile app for details. To establish Automatic Payments, we will ask you to provide your authorization for us to withdraw Payments from your designated Pay From account every month in the amount of your regularly scheduled payment, on the due date specified in your loan documents (or other monthly or other Transfer Period amount or due date you agreed to with us).
Generally, loan payments (one-time and Automatic Payments) are applied to interest first, then principal, escrow (if applicable), and unpaid fees. This may vary depending on your loan product and the status of your account; review the disclosures presented on Chase Online or the Chase Mobile app and your associated loan documents for details.
You understand and agree that in the event that any Payment is rejected by your bank due to insufficient or unavailable funds in your designated Chase or External Account, (i) we may, in our discretion, resubmit the rejected payment up to two times as permitted by applicable law and/or ACH network rules, and (ii) we or your bank holding your External Account may charge you a fee each time a payment is rejected, including for a resubmitted payment.
Qualifications & exceptions
Application order is "generally" interest, principal, escrow, then unpaid fees and may vary.
Resubmission and fees can occur each time a payment is rejected.
Not stated here
The separate Automatic Payment terms and loan documents are not part of this source.
Charges & Financial Obligations · Restriction or exception
Payments to Chase loans and credit accounts: up to your available balance per day
Payments to a Chase Loan or Credit Account from an account held by Chase may be made in amounts up to the available balance in your Pay From account, plus any available balance in an associated overdraft protection account, per day.
Supporting quotations
Payments to a Chase Loan or Credit Account from an account held by us may be made in amounts of up to the available balance in your Pay From account (plus any available balance in any associated overdraft protection account) per day.
Charges & Financial Obligations · Context
Consumer Accounts: liability is governed by your deposit account agreement, credit documents and brokerage agreement
For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account. For transactions from a home equity line of credit or other credit account, you should see those credit documents for liability on unauthorized charges, errors or questions. Concerns about other transactions in your Investment Account, or errors on confirmations and statements from J.P. Morgan Securities LLC, must be reported under the terms of your Brokerage Account Agreement.
Supporting quotations
2. Additional Terms Applicable Only to Payments and Transfers For Consumer Accounts
For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account. If you perform transactions from a home equity line of credit or other credit account, please see your home equity line of credit or other credit documents for information about your liability for unauthorized charges or other errors or questions relative to those accounts.
Concerns about other transactions in your Investment Account or errors on your confirmations and statements from J.P. Morgan Securities LLC must be reported in accordance with the terms of your Brokerage Account Agreement.
Not stated here
The deposit account agreement, credit documents and Brokerage Account Agreement are separate documents not part of this source.
Charges & Financial Obligations · User right or choice
Consumer Accounts: report unauthorized transfers within two Business Days for full cover; $500 or more after
If you let other persons use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe your Password has been lost or stolen or that someone has transferred or may transfer money without your permission, you must notify Chase at once, by phone or by writing to Online Customer Service; phoning is the best and fastest way to keep losses down. If you do not, you could lose all the money in each account plus all available funds in any overdraft protection account or other credit line among your accounts. If you tell Chase within two Business Days after you discover the loss or theft, you are completely covered for an unauthorized transfer. If you do not tell Chase within two Business Days, and Chase can prove it could have stopped the transfer had you told it, you could lose as much as $500. If a statement shows online transfers you did not make, tell Chase at once: if you do not within sixty days after the statement was transmitted to you, you may not get back money lost after the sixty days if Chase can prove it could have stopped the loss had you told it in time. If a good reason, such as a long trip or hospital stay, kept you from telling Chase, the time periods are extended.
Supporting quotations
2.1 Your Liability for Unauthorized Transfers
If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 1-877-242-7372 or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252- 9968.
Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) Business Days after you discover the loss or theft, you are completely covered if someone makes a transfer without your authorization.
If you do not tell us within two (2) Business Days after you discover the loss or theft of your Password or that an unauthorized online transfer has been made from any of your deposit accounts, and we can prove we could have stopped someone from making a transfer without your authorization if you had told us, you could lose as much as $500.
Furthermore, if any account statement shows online transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days after a statement showing such a transfer was transmitted to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time periods.
Qualifications & exceptions
Complete coverage requires telling Chase within two Business Days after you discover the loss or theft.
The $500 and 60-day outcomes apply only if Chase can prove it could have stopped the transfer.
Time periods are extended for good reasons such as a long trip or hospital stay.
Applies to deposit accounts and Consumer Accounts for online transfers.
Charges & Financial Obligations · Company commitment
Consumer Accounts: Chase is liable for incomplete transfers, with listed exceptions
If Chase does not complete a transfer to or from a Consumer Account in the correct amount or according to the agreement, it is liable for damages as the law imposes in such cases, with exceptions. Chase is not liable, for example, if through no fault of Chase your account lacks sufficient funds and the transfer would exceed any credit line or overdraft; if your operating system or software was not working properly and this was evident to you when you began; for circumstances beyond Chase’s control such as fires, floods, acts of God and power outages; if the Payee, or the other financial institution holding an External Account, mishandles or delays processing or posting a transfer; or if you did not provide complete and correct transfer information, including the institution name, account number and amount. The list is only examples and does not list all circumstances in which Chase is not liable.
Supporting quotations
2.2 Our Liability for Failure to Complete Payments and Transfers
If we do not complete a transfer to or from a Consumer Account in the correct amount or according to our agreement with you, we will be liable for those damages as the law imposes in such cases. However, there are some exceptions. We will not be liable, for example:
If, through no fault of ours, your account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft for such account.
Your operating system or software was not functioning properly at the time you attempted to initiate such transfer and it was evident to you at the time you began the transfer.
Circumstances beyond our control, such as fires, floods, acts of God, power outages and the like.
The Payee or, for Payments and Transfers from an External Account, the third party financial institution holding your account mishandles or delays processing or posting a transfer sent by Payments and Transfers.
If you have not provided us with complete and correct transfer information, including without limitation the financial institution name, account number and transfer amount for a transfer.
The list of examples set out in this paragraph is meant to illustrate circumstances under which we would not be liable for failing to make a transfer and is not intended to list all of the circumstances where we would not be liable.
Qualifications & exceptions
The exceptions are examples and not an exhaustive list.
The liability is "as the law imposes in such cases".
Charges & Financial Obligations · Procedure
Consumer Accounts: errors and questions about transfers, including AI features, must be reported within 60 days
If you think your statement is wrong, or need more information about a listed transaction, call or write to the number and address given. Certain features of the Transfers Service may let you use artificial intelligence (AI) to process requests, generate responses or help manage transfers; when you choose them you are told you are using AI. You are responsible for reviewing all information and transactions, including those involving AI, and for the accuracy and completeness of instructions you submit, and if you believe AI-generated information or a transaction is incorrect or in error you must notify Chase promptly as described. For personal accounts only, Chase must hear from you no later than 60 days after it sent the first statement on which the error appeared, and you should provide your name and account number and a description of the error or the transaction you are unsure about and why you think it is an error or want more information.
Supporting quotations
2.3 Errors and Questions about Payments and Transfers
If you think your statement is wrong, or if you need more information about a transaction listed on it, call 1-866-564-2262 or write us at JPMorgan Chase Bank, N.A., PO Box 44945, Indianapolis, IN 46244-4945. Certain features of the Transfers Service may allow you to use artificial intelligence (“AI”) to process your requests, generate responses, or assist you in managing transfers. When you choose to interact with these features you will be informed that you are using AI. You are responsible for reviewing all information and transactions, including those involving AI, and for the accuracy and completeness of any instructions you submit. If you believe that any information or transaction generated or facilitated by AI features is incorrect or in error, you must notify us promptly as described below.
For personal accounts only, the following procedures apply:
We must hear from you NO LATER than 60 days after we sent you the FIRST statement on which the error appeared. Please provide us with the following:
Your name and account number;
A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and
Qualifications & exceptions
The listed procedure applies to personal accounts only.
The 60 days run from the first statement on which the error appeared.
Charges & Financial Obligations · User right or choice
Consumer Account errors: Chase investigates within 10 Business Days or up to 45 days with a provisional credit
You should also give Chase the amount of the suspected error. Chase will determine whether an error occurred within 10 Business Days after hearing from you and correct any error promptly. If it needs more time it may take up to 45 days to investigate, and if so it credits your balance within 10 Business Days for the amount you think is in error so you have the use of the money during the investigation. If you opened your account less than 30 days before the suspected error, the 10-Business-Day period is extended to 20 Business Days; if you opened it less than 30 days before the suspected error or the transaction occurred at a point-of-sale location or outside the U.S., the 45-day period is extended to 90 days. If you call, Chase may require your complaint or question in writing within 10 Business Days, and if it is not received in that time Chase may not credit your balance. Chase tells you the results within three Business Days after completing its investigation, sends a written explanation if it decides there was no error, and you may ask for copies of the documents it used. For electronic transfers shown on External Account statements, you should contact the financial institution that provided the statement under that account’s terms.
Supporting quotations
A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and
The amount of the suspected error.
We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to 45 days to investigate your complaint or question. If we do this, we will credit your balance within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If you opened your account less than 30 days before the date of the suspected error, the 10-Business-Day period is extended to 20 Business Days. If you opened your account less than 30 days before the date of the suspected error or the transaction occurred at a point-of-sale location or outside the U.S., the 45-day period is extended to 90 days.
If you call us, we may require that you send us your complaint or question in writing within 10 Business Days. If we do not receive it within 10 Business Days, we may not credit your balance.
We will tell you the results within three Business Days after completing our investigation.
In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.
Qualifications & exceptions
The provisional credit applies if Chase takes up to 45 days.
Periods are longer for accounts under 30 days old and for point-of-sale or outside-U.S. transactions.
A phone report may need written confirmation within 10 Business Days or the credit may not be given.
Charges & Financial Obligations · Company commitment
Online and Mobile Banking Guarantee for Transfers: 100% reimbursement if reported within two Business Days
For Consumer Deposit Accounts only, if money is removed from your eligible Chase consumer deposit accounts without your authorization through the Transfers Service, Chase will reimburse you 100% if you tell it within two Business Days of discovering the unauthorized transaction. The guarantee covers only things within Chase’s control, and you must use care when exiting the system and safely maintain your user IDs and Passwords.
Supporting quotations
3. Our Guarantees
The Online and Mobile Banking Guarantee – Only for Online and Mobile Transfers (for Consumer Deposit Accounts Only)
In the event that money is removed from your eligible Chase consumer deposit account(s) without your authorization through the Transfers Service, we will reimburse you 100% if you tell us within two (2) Business Days of your discovery of the unauthorized transaction. This guarantee covers only things that are within our control. It is your responsibility to use care when exiting the system and safely maintain your user IDs and Passwords.
Qualifications & exceptions
Consumer deposit accounts only.
Reported within two Business Days of discovery.
Covers only things within Chase’s control.
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.
Charges & Financial Obligations · Restriction or exception
Business deposit accounts: you answer for Password-authorized transfers and for missing reporting deadlines
For business deposit accounts only, you are responsible for all Payments and Transfers authorized using your Password, and for any transactions others authorize if you let them use the Services or your Password. The source notes in capital letters that online access is separate from your existing signature arrangements, so a person you authorize online may reach accounts they could not otherwise sign on, that you assume the entire risk of fraudulent, unauthorized or improper use of your Password, and that Chase may rely on the genuineness and authority of instructions accompanied by your Password. Chase is not liable for errors or losses except where it fails to exercise ordinary care, nor for failing to provide a service if the account is no longer linked, and its liability is limited to the funds improperly transferred less any amount that would have been lost even with ordinary care. Regardless of care by either party, failing to report an unauthorized Transfer or error within the time frames in your account agreement relieves Chase of liability for losses after that period and you are barred from asserting the claim. For errors and questions on business accounts, Chase says its practice is to follow the Section 2.3 procedures but it is not legally required to, and questions about External Account statements go to the institution that provided them.
Supporting quotations
b. Liability for Unauthorized Payments and Transfers for Business Deposit Accounts Only
You are responsible for all Payments and Transfers that are authorized using your Password. If you permit other persons to use the Services or your Password, you are responsible for any transactions they authorize. NOTE: ACCOUNT ACCESS THROUGH THE ONLINE SERVICE IS SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS. THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE ONLINE SERVICE, THAT INDIVIDUAL MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.
We are not liable to you for any errors or losses you sustain in using the Online Service except where we fail to exercise ordinary care in processing any transaction. We are also not liable for any failure to provide any service if the account(s) involved is no longer linked for Payments and Transfers. Our liability in any case shall be limited to the amount of any funds improperly transferred from your From Account less any amount, which, even with the exercise of ordinary care, would have been lost.
Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized Transfer or error from any of your accounts in accordance with the applicable time frames set forth in your account agreement shall relieve us of any liability for any losses sustained after the expiration of such reporting period and you shall thereafter be precluded from asserting any such claim or error.
c. Errors and Questions about Payments and Transfers for Business Deposit Accounts Only
For business accounts, our practice is to follow the procedures described in Section 2.3 above, but we are not legally required to do so. In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.
Qualifications & exceptions
Applies to business deposit accounts only.
Chase follows the Section 2.3 error procedures for business accounts as a practice, not a legal requirement.
Reporting time frames come from the account agreement.
Not stated here
The reporting time frames are in the account agreement, which is not part of this source.
Charges & Financial Obligations · Context
Transfers definitions: Automatic Payments
In the Transfers Addendum, "Automatic Payments" are Payments triggered by an associated billing date where the amount may vary each month; separate terms for Automatic Payments to Chase Loan and Credit Accounts are presented when you set them up.
Supporting quotations
5. Definitions
"Automatic Payments” refers to Payments that are triggered based on an associated billing date and the payment amount may vary each month; separate terms and conditions for Automatic Payments to Chase Loan and Credit Accounts will be presented to you at the time you set up the Payments.
Not stated here
The separate Automatic Payment terms are presented at set-up and are not part of this source.
In the Transfers Addendum, a "Pay From account" is an eligible deposit you maintain with Chase from which payments are made; "Payment(s)" is the service that allows payments to eligible Chase Loans or Credit Accounts; and a "Payment date" is the date you would like your payment sent to your Chase Loan or Credit Account. A "Preauthorized Electronic Funds Transfer" is an electronic funds transfer you have authorized in advance to recur at substantially regular intervals, such as Repeating Transfers and Payments and Automatic Payments. "Repeating" means automatic recurring transfers to the same To Account for the same amount that you can authorize. "Sent" is the status of a Transfer where funds have been debited from the applicable account but the Transfer has not yet been posted. "Transfers" means Internal and External Transfers together.
Supporting quotations
"Pay From account" refers to an eligible deposit you maintain with us from which payments will be made.
“Payment(s)” refers to the service that allows for payments to eligible Chase Loans or Credit Accounts.
"Payment date" refers to the date you would like your payment sent to your Chase Loan or Credit Account.
"Preauthorized Electronic Funds Transfer” refers to an electronic funds transfer you have authorized in advance to recur at substantially regular intervals (e.g., Repeating Transfers and Payments, and Automatic Payments).
“Repeating” refers to automatic recurring transfers made to the same To Account for the same amount which you can authorize for transmission.
“Sent” refers to the status of a Transfer where the funds have been debited from the applicable account, but which the Transfer has not yet been posted to the account.
“Transfers” refers to, collectively, Internal and External Transfers.
Qualifications & exceptions
A Transfer that is Sent cannot be cancelled under the General Terms.
Charges & Financial Obligations · Context
Zelle Service Addendum: scope, trade names and last updated date
This Addendum, last updated 3/18/2026, governs your use of the Zelle service with Chase. The names Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay, QuickPay with Zelle, Send Money with Zelle, Chase Person-to-Person QuickPay, Chase QuickPay for Small Business, Zelle and J.P. Morgan QuickPay, or any other trade name Chase determines, mean the "Zelle Service" for this Addendum. Capitalized terms not defined take their meaning from the General Terms and Conditions, except as the Addendum says otherwise; the sentence cites "Section 17 below", but the Addendum’s Definitions are Section 20 and Section 17 is Termination.
Supporting quotations
Addendum:
Zelle® Service
Last updated: 3/18/2026
This Addendum governs your use of the Zelle® service with Chase as described herein. References to Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay®, Chase QuickPay® with Zelle®, QuickPay, Send Money with Zelle®, Chase Person- to-Person QuickPay, Chase QuickPay for Small Business, Zelle, and J.P. Morgan QuickPay, or other trade name or trademark as determined by us, mean, for purposes of this Addendum, the "Zelle® Service", "Zelle Service" or "Service". Except as otherwise set forth in this Addendum (including Section 17 below), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.
Not stated here
The sentence cites "Section 17 below" for Addendum-specific meanings; in the supplied text Section 17 is "Termination" and the Definitions are Section 20, so the intended target is not confirmed by the document.
Charges & Financial Obligations · Context
Zelle: send and receive money with trusted Users; Zelle holds no accounts and Network Banks move the money
Chase offers eligible customers the chance to use the Zelle Network to send and receive money with others you trust who are enrolled in Zelle with Chase or with a financial institution that provides Zelle (each a "User"), using aliases such as email addresses, mobile phone numbers or other unique identifiers. Financial institutions that provide Zelle, like Chase, are "Network Financial Institutions". Zelle and its marks are wholly owned by Early Warning Services, LLC and used under license. Zelle provides no deposit account or other financial services, neither transfers nor moves money, and you may not establish a financial account with Zelle; all money is transferred by a Network Financial Institution.
Supporting quotations
1. Description of the Service; Eligibility and User Profile
a. Chase offers eligible customers the opportunity to use the Zelle Network® (“Zelle”) as a convenient way to send and receive money with others you trust who are enrolled in Zelle with us or are enrolled with a financial institution that provides Zelle through its online banking and/or mobile app (each, a “User”) using aliases, such as email addresses, mobile phone numbers or other unique identifiers described in these terms (the “Service). We will refer to financial institutions, like Chase, that provide Zelle® through its online banking and/or mobile app as “Network Financial Institutions”.
b. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
c. Zelle® provides no deposit account or other financial services. Zelle® neither transfers nor moves money. You may not establish a financial account with Zelle® of any kind. All money will be transferred by a Network Financial Institution.
Charges & Financial Obligations · Restriction or exception
Zelle is for trusted people: no purchase protection; reimbursement for some unauthorized or scam cases
The Service is intended to send money to friends, family and others you trust, and you should not use it to pay recipients you are not familiar with or do not trust. Neither Chase nor Zelle offers purchase protection for authorized payments, for example if you do not receive goods or services you paid for or they are damaged or not what you expected. Reimbursement is available for valid, timely unauthorized transactions or transactions resulting from certain qualifying imposter scams. Your deposit account agreement has your error resolution rights and the contact information for disputed transactions. The source states these points in capital letters.
Supporting quotations
d. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.
e. NEITHER WE NOR ZELLE® OFFERS PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE WITH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). For more information, see the section titled “No Purchase Protection” below. REIMBURSEMENT IS AVAILABLE FOR VALID, TIMELY UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FOR CERTAIN QUALIFYING IMPOSTER SCAMS. See your deposit account agreement for information on your error resolution rights and contact information for notifying us about disputed transactions.
Qualifications & exceptions
No purchase protection for authorized payments.
Reimbursement applies only to valid, timely unauthorized transactions or certain qualifying imposter scams.
Not stated here
What counts as a "qualifying imposter scam" is not defined in these paragraphs.
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).
Security & Safeguards · Restriction or exception
Zelle restrictions: U.S. only, lawful purposes, no tax, court-ordered or gambling payments, and no sharing credentials
The Service is intended only for domestic use in the United States, and you represent that you are a U.S. resident (not including U.S. territories). You agree not to use it for International ACH Transactions or to send or receive payments to or from non-U.S. locations, which are improper payments. You agree to use it only for lawful purposes consistent with its intended purposes, and not to request, send or receive money from anyone to whom you owe tax payments, court-ordered amounts such as alimony or child support, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You agree not to authorize a third party to use the Service or share your credentials with a third party to use it on your behalf, except in legally authorized situations such as legal guardianship or a power of attorney.
Supporting quotations
j. Restrictions and limitations on use of the Service, including some that are specific to your use of Zelle with Chase:
i. The Service is intended only for domestic use in the United States. You represent that you are a U.S. resident (not including U.S. territories). You agree that you will not use the Service for International ACH Transactions or to send or receive payments through the Service to or from non-U.S. locations, which are improper payments prohibited under this Agreement.
ii. You agree that you will only use the Service for lawful purposes and consistent with its intended purposes as disclosed in these terms. You further agree not to use the Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments.
iii. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney.
Qualifications & exceptions
Sharing credentials with a third party is allowed only in legally authorized situations such as legal guardianship or a power of attorney.
Charges & Financial Obligations · Permission or license
Zelle: Chase may require a trusted device, delay, block, hold, cancel or charge back payments
As a sender or recipient of any transfer using the Service, you agree Chase may, in its discretion, require a trusted device (as defined in your deposit account agreement); delay, block or cancel a payment; put a hold on the payment amount to or from the Pay From Account or another account as applicable law permits; or charge back and/or claim a refund from you for the payment amount, for reasons including fraud, scams, suspicious or illegal activity, ineligible or improper payments, payments that break Chase’s policies, network rules or terms of service, duplicate payments, incorrect payments (amount or recipient), or to meet regulatory, network or other legal obligations. This may include payments identified as originating from contact through social media, social media marketplaces and messaging apps. For example, Chase may delay or hold a payment while it verifies your identity or the other person’s identity or payment details, or because of technical difficulties or circumstances beyond its control. If Chase delays or blocks a payment you started, it notifies you in your account online and/or by email or text message. Neither Chase nor Zelle is liable for such transfers, including any failure through no fault of theirs to complete a transaction in the correct amount or to the correct recipient (for example because you entered the amount or recipient wrongly), or related losses or damages. The deposit account agreement section on restricting your account and blocking or delaying transactions has more detail.
Supporting quotations
iv. As a recipient or
(D) charge back and/or claim a refund from you for the amount of such payment, for various reasons including, but not limited to, fraud, scams, suspicious or illegal activity, ineligible or improper payment, payment does not comply with our policies or the network rules or the terms of service, duplicate payment, incorrect payment (amount or recipient) or otherwise to meet our regulatory, network or other legal obligations. This may include, but is not limited to, payments identified as originating from contact made through social media, social media marketplaces, and/or social media messaging apps. For example, we may delay or hold your payment if we need additional time to verify your identity or the identity of the person sending or receiving the money, or details about the payment, or the payment may be delayed or held due to technical difficulties or circumstances beyond our control. If we delay or block a payment that you have initiated, we will notify you in your account online and/or through email or text message. Neither we nor Zelle shall have liability to you for any such transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount or to the correct recipient (e.g. you enter the amount or recipient information incorrectly), or (ii) any related losses or damages. See Section IX.C. Restricting Your Account; Blocking or Delaying Transactions of your Chase deposit account agreement for additional details.
Qualifications & exceptions
The reasons are introduced by "including, but not limited to".
Chase’s notice of a delay or block is by account online and/or email or text message.
Holds are as permitted by applicable law.
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".
Security & Safeguards · Restriction or exception
Zelle social media payments: not for buying goods; may be delayed or declined; answer questions truthfully
To help protect you from fraud and scams, Zelle should be used for payments between friends, family and others you trust and should not be used to pay for goods from recipients you are not familiar with. It is not intended for buying goods from retailers or merchants, including on or through social media, marketplaces or messaging apps, and neither Chase nor Zelle offers purchase protection for non-receipt, damage or "not as described" claims. If you send a Zelle payment identified as originating from contact through social media, Chase may in its discretion delay, decline or block it. Chase may ask for information, for example when you set up a payment or add a recipient, about your purpose, the method of contact with your recipient or other details to assess elevated fraud or scam risk or an illegal, ineligible or improper payment, and you agree to provide it. Chase may decline payments, restrict your use of Zelle or take other actions in your account agreement if you do not answer truthfully or otherwise engage in risky use, including alleged deceit, fraud or material misrepresentations. Failing to delay, decline or block an ineligible payment is not a waiver of Chase’s right to do so for future payments.
Supporting quotations
vi. Using Zelle through Chase to send payments identified as originating from contact through Social Media:
To help protect you from fraud and scams, the Zelle Service should be used for payments between friends, family, and others you trust and should not be used to pay for goods from recipients with whom you are not familiar. The Service is not intended, and should not be used, for the purchase of goods from retailers, merchants, or the like, including on or through social media or social media marketplaces or messaging apps. Neither we nor Zelle offer purchase protection for non-receipt, damage, or "not as described" claims related to the purchase of goods and/or services. See the section titled No Purchase Protection for more information.
If you are sending a Zelle payment from your Chase account that is identified as originating from contact through social media, we may, in our discretion delay, decline or block that payment.
We may request information from you (for example, when you set up a payment or add a recipient) regarding your purpose of payment, the method of contact with your recipient, or other details we deem appropriate to assess whether your payment has elevated fraud or scam risk, or is an illegal, ineligible or improper payment. You agree to provide the requested information if asked.
We may in our discretion decline payments, restrict your use of Zelle® through Chase, or take other actions as described in your account agreement if you do not respond truthfully to questions we ask or if you otherwise engage in risky use of the Zelle Service, which includes alleged deceit, fraud, or material misrepresentations in providing information about your payment.
Any failure to delay, decline or block an ineligible payment does not constitute a waiver of our right to so do for future payments.
Qualifications & exceptions
Delay, decline or block of social-media-originated payments is at Chase’s discretion.
You agree to provide requested information about your payment.
Content & IP Rights · Restriction or exception
Zelle content standards: no unlawful, abusive or competing content in memo fields or the service
You agree not to use the Service, or upload, post, transmit or distribute through it (including memo fields on a transfer), material that is false, misleading, unlawful, obscene, defamatory, threatening, harassing, hateful, abusive or inflammatory; encourages criminal conduct or civil liability; breaches or infringes anyone’s rights, including publicity, privacy or intellectual property rights; contains corrupted or harmful files; advertises products or services competitive with Zelle, as Zelle decides in its sole discretion; or is, in Zelle’s or Chase’s sole judgment, objectionable, restricts anyone’s use of the Service, or may expose them or their customers to harm or liability.
Supporting quotations
k. Zelle Content Standards: You agree that you will not use the Service in any way, or upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service (including but not limited to memo fields accompanying a transfer) any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) in Zelle’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle or our respective affiliates or customers to harm or liability of any nature.
Qualifications & exceptions
Zelle decides in its sole discretion what advertises competitive products or services.
Content & IP Rights · Restriction or exception
Zelle content: Chase and Zelle may remove or monitor it and accept no liability for it
Neither Chase nor Zelle has any obligation to monitor Content, but both have absolute discretion to remove Content at any time and for any reason without notice, and may monitor it to detect and prevent fraud or breaches of the terms. You understand you may be exposed to Content that is offensive, indecent or objectionable. Chase and Zelle are not responsible for, and assume no liability for, any Content, including any loss or damage to your Content, and make no representation or warranty that content on a User profile accurately identifies a particular User. If your Chase Account is not in good standing it is not eligible for Zelle transactions.
Supporting quotations
l. Although neither we nor Zelle have any obligation to monitor any Content, both we and Zelle have absolute discretion to remove Content at any time and for any reason without notice. We and Zelle may also monitor such Content 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 Content that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any Content, including any loss or damage to any of your Content. We and Zelle make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Service.
m. If your Chase Account is not in good standing, that account will not be eligible to be used in Zelle transactions.
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.
Data Access & Collection · Permission or license
Zelle text services: you consent to messages, possible auto-dialing, and indemnify for numbers not yours
By participating as a User you represent that you own the email address, mobile number or other alias you registered, or have legal authority to act for the owner. You consent to emails or text messages from Chase, Zelle, other Users sending or requesting money, and other Network Financial Institutions or their agents about the Services or related transfers. Chase says it does not currently use automatic telephone dialing systems, but you agree that Chase, Zelle or their agents may use them for text messages to any mobile number you enrol. You must immediately tell Chase if an enrolled number or email, or one used as a Zelle tag contact method, is given up or changed. For text messages sent through Chase or Zelle, or sent on your behalf, you represent that you have the recipient’s consent, and you understand messages sent on your behalf may include your name. You agree to indemnify, defend and hold Chase harmless from claims, losses, liability, costs and expenses (including reasonable attorneys’ fees) from your giving a phone number, email address or other delivery location that is not your own or violating applicable law, and this obligation survives termination.
Supporting quotations
4. Mobile & Text Services; Consent to Emails and Automated Text Messages
By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you registered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Addendum. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Financial Institutions or their agents regarding the Services or related transfers between Network Financial Institutions and
you. While we do not currently use automatic telephone dialing systems, you agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You will immediately notify us if any mobile phone number or email address you have enrolled or is used as a contact method for a Zelle tag is (i) surrendered by you, or (ii) changed by you.
In the case of any text messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a phone number, email address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the agreement.
Qualifications & exceptions
Chase states it does not currently use automatic dialing systems but you agree it or Zelle may.
The indemnity survives termination.
Sharing & Disclosure · Permission or license
Zelle wireless operator data: you authorize your carrier to share account and device information
Chase or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent fraud, scams or unauthorized use of the Service. By using the Service you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Zelle or its service providers, for the duration of your business relationship, solely to help identify you or your device and to help prevent scams and fraud.
Supporting quotations
5. Wireless Operator Data
We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud, scams, or unauthorized use of the Service. By using the Service, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Zelle or its service providers, for the duration of your business relationship, solely to help identify you or your wireless device and to help prevent scams and fraud.
Qualifications & exceptions
The authorization lasts for the duration of the business relationship and is limited to identifying you or your device and preventing scams and fraud.
Sharing & Disclosure · Company practice
Zelle: Chase may disclose account and payment information in listed situations
Chase may disclose information to third parties about your account or the funds you send or receive as necessary to complete transactions; as necessary in connection with offering the Service; in connection with investigating any claim related to your account or the funds; to comply with government agency or court orders; in accordance with your written permission; and as otherwise permitted by its privacy notice. The Chase privacy notice, which covers information sharing practices and your right to opt out of certain sharing, was provided when you opened your account and can be viewed under the Security link, then Privacy, on its website pages. For how Zelle treats your data, Chase refers you to Zelle’s Privacy Policy.
Supporting quotations
Disclosure of Account Information to Third Parties
We may disclose information to third parties about your account or the funds you send or receive:
as necessary to complete transactions;
as necessary in connection with offering the Service;
in connection with the investigation of any claim related to your account or the funds you send or receive;
to comply with government agency or court orders;
in accordance with your written permission; and
as otherwise permitted by the terms of our privacy notice.
Our Chase privacy notice, which includes details about our information sharing practices and your right to opt-out of certain information sharing, was provided to you when you opened your Chase Account with us. It can be viewed by clicking on the "Security" link, then "Privacy" on any of our website pages. See Zelle’s Privacy Policy [https://www.zellepay.com/privacy-policy] for how it treats your data.
Qualifications & exceptions
The last listed reason defers to the privacy notice.
Not stated here
The Chase privacy notice and Zelle’s Privacy Policy are separate documents not part of this source.
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.
Charges & Financial Obligations · Procedure
Zelle payment speed and cutoffs: minutes if enrolled, 1-2 business days otherwise; 11:00 p.m. and 8:00 p.m. ET
If the recipient is already enrolled in Zelle, money typically reaches them in minutes. Depending on the recipient’s enrolment status and their financial institution’s policies, funds may be sent as Standard Payments, which typically arrive in 1 to 2 business days. For payments between Chase Accounts, the Cutoff Time for sending so recipients receive money the same day is 11:00 p.m. ET on any Business Day. Between a Chase Account and a Network Bank Account, the Cutoff Time for receiving payments from a Network Bank Account is 11:00 p.m. ET on any Business Day and for sending payments to a Network Bank Account is 8:00 p.m. ET on any Business Day.
Supporting quotations
7. Payment Types and Cutoff Times
When sending and receiving money with the Service, if the recipient is already enrolled in Zelle, the money typically will be available to the recipient in minutes. However, depending on the enrollment status of your recipient and/or their financial institution’s policies, funds sent using the Service may be sent as Standard Payments which will typically be received in 1-2 business days. See sections “Receiving Money”, “Requesting Money” and “Sending Money”, below, for further information.
Cutoff Times:
Between Chase Accounts: The Cutoff Time for sending payments in order for recipients to receive money on the same day is 11:00 p.m. ET on any Business Day.
Between a Chase Account and a Network Bank Account: The Cutoff Time for receiving payments from a Network Bank Account is 11:00 p.m. ET on any Business Day. The Cutoff Time for sending payments to a Network Bank Account is 8:00 p.m. ET on any Business Day.
Qualifications & exceptions
Speeds are "typical".
Standard Payments depend on the recipient’s enrolment and institution policies.
Charges & Financial Obligations · Procedure
Zelle receiving: you cannot stop incoming payments; unenrolled recipients get nine more Business Days to enrol
You authorize Chase to accept on your behalf all payments sent to you through the Service. Once a Zelle user starts a transfer to your enrolled email address, mobile number or Zelle tag you cannot stop or cancel it. You authorize Chase to credit your primary or default enrolled account, and if that account is inactive or terminated Chase may designate another eligible, active Chase Account in your profile; payments are Cancelled if you have no designated account and no other active, eligible Chase Account. A payment from a commercial business, government agency, not-for-profit or other commercial enterprise is delivered under both this Agreement and that sender’s procedures. Chase has no control over other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer to you. Processing times vary with enrolment and information: Chase begins delivery on the Send On Date, sends a second notice, and gives an unenrolled recipient nine succeeding Business Days to enrol; if they do not, the transfer request is Cancelled. The sender may cancel at any time in that ten-day period if the recipient is not yet enrolled, a hold may be placed on the sender’s account for the amount, and once the recipient enrols the transfer is debited and deposited automatically. A recipient may not initiate a transfer from a third party’s From Account to their own To Account.
Supporting quotations
8. Receiving Money
a. You authorize us to accept, on your behalf, all payments sent to you through the Service. Once a Zelle user initiates a transfer of money to your email address, mobile phone number, or Zelle tag (if applicable) enrolled with the Service, you have no ability to stop or cancel the transfer. By using the Service, you agree and authorize us to initiate credit entries to the primary or default account you have enrolled for the Service. If the existing primary or default 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 or default account to receive payments sent to you through the Service. Payments sent to you will be Cancelled if you have not designated any Chase Account as the primary or default account for the Service and there are no other active and eligible Chase Accounts in your profile.
b. If you are receiving a payment from a commercial business, government agency, not-for-profit organization or other commercial enterprise, your payment will be delivered in accordance with both this Agreement and the procedures of the commercial business, government agency, not-for-profit organization or other commercial enterprise that is sending you the payment.
c. We have no control over the actions of other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer of money to you.
d. Notwithstanding anything set forth in this Agreement, processing times vary depending on enrollment and information provided by the sender and recipient. We will automatically begin the delivery process and send notice of a transfer to the recipient on the Send On Date. We will continue our attempts by sending a second notice of a transfer to the recipient, and providing the recipient a period of nine (9) succeeding Business Days to enroll in Zelle at Chase or at another Network Financial Institution. At the end of this period, if the recipient still has not enrolled, the transfer request will be Cancelled. The sender may cancel the transfer at any time during this ten (10) day period if the recipient is not enrolled at the time of cancellation. During this period, a hold may be placed on the sender’s account for the amount of the transfer. Once the recipient has successfully enrolled, transfers will automatically be debited from the sender’s account and deposited in the recipient’s account. The recipient may not initiate a transfer of funds from a third party’s From Account to the recipient’s To Account.
Qualifications & exceptions
An unenrolled recipient has nine succeeding Business Days to enrol, after which the request is Cancelled.
A hold may be placed on the sender’s account during that period.
Charges & Financial Obligations · Procedure
Zelle requests for payment: only to enrolled recipients, may be ignored, and expire after 14 days
You may send a request for payment only to an enrolled token (mobile number, email or Zelle tag) of a recipient enrolled in Zelle at Chase or another Network Financial Institution. You may cancel a request you sent, but if the recipient has already started a payment in response, Chase cannot guarantee that payment is cancelled; it will try unless it is a Current Day payment, is already accepted, or it is after the Cutoff Time on the Send On Date. You may request money from one or more individuals (up to a maximum Chase sets from time to time) enrolled at another Network Financial Institution using their enrolled tokens. Recipients may reject or ignore a request, Chase does not guarantee you will receive money or the requested amount, and may decide not to send a reminder or repeat request. Chase may expire all pending requests after a period it sets, currently fourteen days from the Send On Date.
Supporting quotations
9. Requesting Money
a. You may only send a request for payment using Zelle to an enrolled token (mobile phone, email or Zelle Tag) of a recipient who is enrolled in Zelle at Chase or another Network Financial Institution, you may cancel a request for payment you have sent, but if the recipient of your request has already initiated a payment in response to that request, we cannot guarantee successful cancellation of their payment. We will attempt to cancel their payment unless it is a Current Day payment, the payment is already accepted, or it is after the Cutoff Time on the Send On Date.
b. You may request money from an individual or multiple individuals (up to a maximum number as determined by us from time to time) enrolled with Zelle at another Network Financial Institution using their enrolled Zelle Token(s). You understand and acknowledge that individuals to whom you send payment requests may reject or ignore your request. We do not guarantee that you will receive money from other individuals by sending a payment request or that you’ll receive the requested amount. If an individual ignores your request, we may decide, in our sole discretion, that we will not send a reminder or repeat request to that individual. We have the right to expire all pending payment requests sent by you after a period of time determined by us from time to time, which is currently set at fourteen (14) days from the Send On Date.
Qualifications & exceptions
Cancelling a request does not guarantee cancelling a payment the recipient has already started.
The 14-day expiry is the current setting and Chase may change it.
Legal Rights & Agreement Rules · Restriction or exception
Zelle requests: no debt collection, you must accept incoming requests, and Chase does not verify them
You agree not to use the Service to request money for the payment or collection of an overdue or delinquent debt, to request money owed to another person, or to collect amounts owed under a court order, and you agree to indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties and Zelle (including its officers, directors, employees and agents) against Losses from third-party claims arising from any request you send related to overdue or delinquent amounts. By using the Service you agree to receive money requests from others, although you may be able to block other Zelle users from sending you requests, as described in "Section 2(f) above". You agree to send requests only for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by Chase, which does not assume responsibility for their accuracy or legality and does not act as a debt collector for you or the sender. Chase reserves the right, but assumes no obligation, to end your ability to send requests in general or to specific recipients if it deems them potentially unlawful, abusive, offensive or unwelcome by the recipient.
Supporting quotations
c. By using the Service, you agree that you will not use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and Zelle (including its officers, directors, employees and agents) harmless from and against any and all Losses in connection with any third party claim resulting or arising from any request for money that you send that is related to overdue or delinquent amounts.
d. By using the Service, you agree to receive money requests from others (although you may be able to block other Zelle users from sending you requests as described in Section 2(f) above), and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us. We do not assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money. We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.
Qualifications & exceptions
Chase may end your ability to send requests but has no obligation to.
Not stated here
The block feature is cited as "Section 2(f) above"; the lettering of that section is not shown in the supplied text, so the exact target is not confirmed by the document.
Charges & Financial Obligations · Restriction or exception
Zelle sending: no stopping Funded payments; the alias you type decides; contacts may be added
You may send money at your initiation or in response to a recipient’s request. Use of the Service is subject to the Agreement and your express authorization at the time of the transaction for Chase to initiate a debit entry to your bank account. Once the payment reaches Funded status, which typically happens immediately, you cannot stop or cancel it. Otherwise you may cancel only if the person you sent money to has not yet enrolled with the email address or mobile number you used; if they have already enrolled with Zelle at a Network Financial Institution, the money goes straight to their bank account and cannot be cancelled or revoked except as otherwise provided. Chase recommends sending money only to recipients you know and trust. Payments are completed using only the email address, mobile number or Zelle tag you enter, even if it identifies someone other than your intended recipient; the name you enter helps you identify the recipient in menus and history but is not used to process the payment. You must enter the alias accurately and make sure it is current and enrolled, because an entry error does not excuse your obligation to pay. You also agree Chase may add anyone you have transacted with through the Service to your list of Zelle recipients and, with your consent, access, use and add people from the contacts on your device to update the recipient list, verify Zelle enrolment status and show a Z logo for enrolled contacts; you can add, edit or remove recipients at any time.
Supporting quotations
10. Sending Money
You may send money to a recipient at your initiation or in response to that recipient’s request for money. You understand that use of this Service by you shall at all times be subject to (a) this Agreement, and (b) your express authorization at the time of the transaction for us to initiate a debit entry to your bank account. You understand that when you send the payment, once it reaches Funded status, which typically happens immediately after you initiate the payment, you will have no ability to stop or cancel it. Otherwise, you may only cancel a payment once you initiate it if the person to whom you sent the money has not yet enrolled in the Service with the email address or mobile number to which you initiated the payment. If the person you sent money to has already enrolled with Zelle with a Network Financial Institution, the money is sent directly to their bank account and may not be canceled or revoked (except as otherwise provided herein). We therefore recommend that you use the Service to send money only to recipients you know and trust.
You acknowledge and agree that payment transfers will be completed using only the email address, mobile phone number, or Zelle tag (if applicable) you enter even if it identifies a person different from your intended recipient. The name you enter will help you identify your intended recipient in the drop down menu and your transaction history but will not be used to process payments.
Please make sure you accurately enter the recipient’s email address, mobile phone number, or Zelle tag and ensure that their email address, mobile phone number, or Zelle tag is current and enrolled by the recipient in the Service since your obligation to pay for the transfer will not be excused by an error in the information you enter.
You also acknowledge and agree that we can (a) use and add any person or entity (and their associated information) with whom you have transacted through the Service to your list of Zelle recipients; and (b) access, use and add any person or entity from your contacts contained on your device (subject to your consent) for the purposes of updating your list of Zelle recipients, verifying their Zelle enrollment status, and displaying of a Z logo (or substantially similar indicia) for each such mobile number, email address, or Zelle tag of those contacts that are enrolled. You may add, edit and/or remove any recipients at any time.
Qualifications & exceptions
Once a payment is Funded it cannot be stopped or cancelled.
Cancellation is possible only if the recipient has not yet enrolled with the alias used.
Access to device contacts is subject to your consent.
Charges & Financial Obligations · Procedure
Zelle between Chase accounts: funds should arrive in minutes; failed transfers are not retried
To send money between two Chase Accounts, sender and recipient must each keep an eligible Chase Account. Subject to Zelle dollar limits, you may transfer up to your available balance plus any overdraft protection account. You authorize Chase to withdraw funds from your From Account for all transfers you start and agree to have enough funds on the Send On Date until the transfer is Completed or Cancelled (subject to a cited "Section 7(e)"), and Chase need not make a transfer unless funds suffice. Transfers are Funded from your From Account on the date of acceptance. Funds should typically be available within minutes, and no later than the next Business Day if sent before the Cutoff Time. A Current Day transfer instruction received after the Cutoff Time or on a non-Business Day is not a Current Day transfer and is processed the following Business Day. If funds are insufficient for a Current Day, Repeating or Future Dated transfer on the Send On Date, the transfer fails and Chase does not retry.
Supporting quotations
Sending Money Between Chase Accounts
To use the Service to send money between two Chase Accounts, the sender and the recipient must each maintain an eligible Chase Account. Subject to Zelle dollar limits on transactions, you may transfer funds up to your available balance plus any amount in your overdraft protection account, if applicable.
Transfers between Chase Accounts: If you use the Service to send money, you authorize us to withdraw funds from your designated From Account for all transfers of funds that you initiate through the Service and you also agree to have sufficient funds in your From Account on the Send On Date for each such transfer you schedule until the transfer is Completed or Cancelled, subject to Section 7(e). We will not be obligated to make any transfer you may request unless there are sufficient available funds in the From Account to cover the transfer. Transfers from Chase Accounts will be Funded from your From Account on the date of acceptance.
For transfers between Chase Accounts, funds should typically be available within minutes, but no later than the next Business Day if the transfer is sent before the Cutoff Time.
Current Day transfers between Chase Accounts: Any transfer Instruction for a requested Current Day transfer received by us after the Cutoff Time or on non-Business Days will not be a Current Day transfer and will be processed the following Business Day. If there are insufficient available funds to cover a Current Day transfer, the transfer request will fail and we will not make repeat attempts to debit the applicable account.
Repeating and Future Dated transfers between Chase Accounts: In the case of Repeating and Future Dated transfers, if sufficient funds are not in the From Account on the Send On Date, the transfer will fail and we will not make repeat attempts to debit the applicable account.
Qualifications & exceptions
No repeat debit attempts are made after a failed Zelle transfer.
Not stated here
The cited "Section 7(e)" does not match a lettered subsection in Section 7 of the supplied text, so the exception it points to is not confirmed.
Charges & Financial Obligations · Procedure
Zelle with non-Chase banks: funds, no retries, and availability of one to three Business Days
To send and receive money between a Chase Account and a Network Bank Account at another institution, the parties need at least one eligible Chase Account and at least one other Network Bank Account. A holder of an account at another Network Financial Institution can enrol with their own institution and need not enrol with Chase. To send from a Chase Account you may transfer up to your available balance plus any overdraft protection account. For transfers from a Chase Account to another Network Bank, you authorize Chase to charge your From Account for transfers you start and agree to have enough funds, including any fees, on the Send On Date until the transfer is Completed or Cancelled, subject to a cited "Section 7(e)", and Chase need not make a transfer without sufficient available funds (including any overdraft protection). If funds are insufficient on the date of acceptance the transfer fails and Chase does not retry. Transfers to an unenrolled recipient at another institution are deducted once the recipient enrols; otherwise funds are deducted when you start the transfer and it reaches Funded status, typically immediately. Funds typically reach the other bank when Chase sends a guarantee of payment or similar notice, which may be within minutes or within two Business Days after acceptance, and Chase gives information on availability after submission. Transfers from a Network Bank Account to a Chase Account are subject to the sending institution’s terms and may be delayed or cancelled in its sole discretion; funds are typically available in the Chase account when Chase receives a guarantee of payment or similar notice, within minutes or within three Business Days after acceptance, subject to the processing times of the institution and payment networks, and Chase informs you by email, message, SMS and/or in your account.
Supporting quotations
Sending Money Between Chase Accounts and Network Bank Accounts
To use the Service to send and receive money between a Chase Account and a Network Bank Account other than Chase, the parties must use at least one eligible Chase Account with us and at least one other Network Bank Account. The holder of an account with a Network Financial Institution other than Chase may enroll in Zelle with the Network Financial Institution holding their account and will not be required to enroll in Zelle with Chase. To send money from a Chase Account, you may transfer funds up to your available balance plus any amount in your overdraft protection account, if applicable.
Transfers from a Chase Account to a Network Bank Account other than Chase: You authorize us to charge your designated From Account with us for all transfers of funds that you initiate through the Service, and you also agree to have sufficient funds in your From Account on the Send On Date to cover each such transfer you schedule and any fees that might be associated with such transfer until the transfer is Completed or Cancelled, subject to Section 7(e). We will not be obligated to make any transfer you may request unless there are sufficient available funds (including any available overdraft protection account you may have) in your From Account to cover the transfer on the Send On Date until the transfer is Completed or Cancelled.
If there are insufficient available funds to cover a transfer to a Network Bank Account on the date of acceptance, the transfer request will fail and we will not make repeat attempts to debit the applicable account.
Instructions for transfers to an unenrolled recipient at a Network Financial Institution will be deducted from the From Account held by us once the recipient enrolls. Otherwise, funds are deducted when you initiate the transfer and it reaches Funded status, which typically happens immediately after initiation. Funds will typically be available in the non-Chase Network Bank Account when J.P. Morgan Chase sends a guarantee of payment or a similar notice to the Network Financial Institution, and depending on the Network Financial Institution and whether there are sufficient funds in your Chase Account, that may be within minutes or within two Business Days following acceptance. Once your transfer has been submitted and confirmed, we will provide you information on when the funds for each transfer will become available.
Transfers from a Network Bank Account to a Chase Account: Transfers from non-Chase Network Bank Accounts to Chase Accounts are subject to the terms of service of the Network Financial Institution and may be delayed or cancelled as the Network Financial Institution may determine in its sole discretion.
Funds will be typically available in the Chase account when J.P. Morgan Chase receives a guarantee of payment or a similar notice from the Network Financial Institution sending the transfer, and depending on the Network Financial Institution, that may be within minutes or within three Business Days following acceptance, subject to the processing times of the Network Financial Institution and payment networks. After acceptance, we will provide you with information on when the funds for each transfer will become available through a communication (e.g., email, message via our Digital Platforms, SMS) and/or in your account online or in the mobile app.
Qualifications & exceptions
Availability times depend on the other Network Financial Institution.
A failed transfer is not retried.
Not stated here
The cited "Section 7(e)" does not match a lettered subsection in Section 7 of the supplied text, so the exception it points to is not confirmed.
Charges & Financial Obligations · Restriction or exception
Zelle send limits: tiered daily limits from $500 to $15,000, set dynamically, with no limit on receiving
Chase places a daily dollar send limit on Zelle payments from your eligible Chase checking accounts even if your available balance is higher, may allow transactions above your limits or temporarily reduce them without notice for security, and may refuse transactions over the limits or to protect your account or the transfer system. Zelle transfers can be any amount from $1 up to the limit that applies to the transaction, with limits aggregated across all your combined Chase accounts enrolled with the Service. To help protect against fraud and scams, Chase dynamically determines the limit for each transaction when you set it up, based on factors including your recipient, and each transaction falls within a tier limit reflecting the total you can send to all recipients in that tier in a day. The table of Daily $ Limits has columns for Chase Consumer Bank, Chase Private Client, Chase Business Banking, JPMorgan Private Bank and JPMorgan Wealth Management. Tier 0 is $500 for Chase Consumer Bank and $1,000 for each other column; Tier 1 is $2,000 for Chase Consumer Bank and $5,000 for each other column; Tier 2 is $5,000 for Chase Consumer Bank and $7,500 for each other column; Tier 3 is $10,000 for Chase Consumer Bank and $15,000 for each other column. Chase shows the applicable limit when you set up a payment, shows the remaining daily limit for same-day sends to another recipient in the same tier, and says the tiers rest on factors it cannot share for security reasons, which may change in its discretion. Chase does not currently limit the dollar amount you may receive each day. Chase may decline a Future dated or Repeating transfer on the Send On date if it exceeds the applicable tier limit, even if your balance is higher.
Supporting quotations
11. Transfer Limits
To protect your account, we place a daily dollar send limit on Zelle payments sent from your eligible Chase checking accounts, even if your available balance is higher than the daily limit. However, we may allow transactions that exceed your limits or temporarily reduce your limits without notice, for security purposes. We may refuse to process any transaction that exceeds the applicable limits or to protect the security of your account or the transfer system.
Zelle transfers from your Chase Accounts may be made in any amounts from $1 up to the limit applicable to your transaction. Limits are aggregate from all of your combined Chase accounts enrolled with the Service. To help protect you from fraud and scams, Chase dynamically determines the limit for each transaction at the time you set it up based on a number of factors including your recipient. Each transaction will fall within a tier limit that reflects the aggregate total you can send to all recipients within that tier in a day:
| Daily $ Limits | Chase Consumer Bank | Chase Private Client | Chase Business Banking | JPMorgan Private Bank | JPMorgan Wealth Management |
We’ll show you the applicable limit for your transaction in the Chase Mobile app or Chase online when you set it up. For same day payments, if you’ve already sent a transaction to someone that day, we’ll show you the remaining amount of your daily limit if you send to another recipient within the same tier. The limit tiers are based on a number of factors which we cannot share for security reasons and which may change from time to time in our discretion. We do not currently limit the dollar amount you may receive each day through Zelle.
We may decline a Future dated or Repeating Zelle transfer on the Send On date if it exceeds the applicable tier limit for the transaction, even if your available balance is higher than the limit.
Qualifications & exceptions
The limit shown at set-up is determined dynamically and depends on factors including the recipient.
The tier factors are not disclosed and may change.
Chase Consumer Bank customers have lower tier amounts than the other segments.
There is currently no limit on the amount you may receive each day.
Not stated here
The factors that place a recipient in a tier are not disclosed.
Charges & Financial Obligations · Procedure
Zelle repeating transfers: same fixed amount on the same day, printed authorization, cancel online
Repeating transfers for the same fixed amount each month are sent according to your Instructions on the same calendar day of each period you designate, or the prior Business Day if the regular Send On Date falls on a non-Business Day. To authorize one you agree to have a printer or other means to get a printed copy of your authorization, and if you have none you agree to authorize each Repeating transfer one transaction at a time until you do. You can cancel a Repeating transfer online, or, if you cannot access the Online Service, call customer service or write to Online Customer Service at the address given.
Supporting quotations
12. Repeating Transfers
Repeating transfers that are for the same fixed amount each month will be sent in accordance with your Instructions and on the same calendar day of each period you designate, or on the prior Business Day if the regular Send On Date falls on a non-Business
Day. In order to authorize a Repeating transfer, you agree to have a printer or other means to obtain a printed copy of your authorization for your records. If you do not have a printer, you agree to continue to authorize a Repeating transfer on a transaction-by-transaction basis until you have means of printing a copy of your authorization for your records.
If you desire to cancel a Repeating transfer, you may cancel your transaction online. If for any reason you cannot access the Online Service, you may also call our customer service at 877- CHASEPC (877-242-7372) or write to online customer service at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968.
Qualifications & exceptions
The sentence about the prior Business Day is split across two blocks in the source text.
Sharing & Disclosure · Restriction or exception
Zelle’s own app and website are separate; Chase disclaims them
The Zelle platforms, such as the standalone Zelle mobile app and zellepay.com, are additional platforms owned and controlled by Zelle. They are not part of the Service, and the Service is not available on them. By using them you must agree to Zelle’s terms and conditions. Chase disclaims all liabilities, representations and warranties about the Zelle platforms.
Supporting quotations
13. Terms applicable to your use of Zelle platforms
The Zelle platforms, such as the standalone Zelle mobile app and zellepay.com site, are additional platforms owned and controlled by Zelle. The Zelle platforms are not a part of the Service and the Service is not available on the Zelle platforms. By using the Zelle platforms, you will be required to agree to Zelle’s terms and conditions. J.P. Morgan Chase hereby disclaims any and all liabilities, representations and warranties with respect to the Zelle platforms.
Charges & Financial Obligations · Company practice
Zelle fees: no Chase service fee, but account, overdraft and connection costs may apply
There is no service fee from Chase to use the Service, but the Chase Account you use may have its own fees, which are in your deposit account agreement and fee schedule. If Chase processes a transfer per your Instructions that overdraws your Chase Account, it may assess a fee or charge interest under your deposit account agreement. Chase is not liable for failing to pay a transfer request unless it is drawn against available funds credited to the designated From Account. You pay any telephone company, utility or internet access charges for connecting to the Service.
Supporting quotations
14. Zelle Fees
There is no service fee from us to use the Service, but your eligible Chase Account used in connection with the Service may have its own fees. Check your deposit account agreement and accompanying fee schedule for information on account fees. Additionally, if we process a transfer in accordance with your Instructions that overdraws your Chase Account with us, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your deposit account agreement. We will not be liable for failure to pay any transfer request unless it is drawn against available funds credited to the designated From Account. You will be responsible for paying any telephone company or utility charges and/or Internet access service fees incurred while using telephone lines and/or Internet access services to connect with the Service.
Not stated here
Account fees are in the deposit account agreement and fee schedule, which are not part of this source.
Legal Rights & Agreement Rules · Restriction or exception
Zelle liability: no responsibility for typos or user disputes, broad exclusion of damages and an "as is" service
Neither Chase nor Zelle is liable for typos or keystroke errors you make, including input errors in the recipient’s Zelle ID. You agree that you, not Chase or Zelle, are responsible for resolving payment or other disputes with any other User you send money to, receive from or request money from. Except as specifically stated or where the law requires a different standard, Chase, Zelle, Network Banks and their officers, directors, agents and employees are not responsible for any loss, damage or injury or any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment or browser, access to or use of the Service, equipment or internet failures, provider problems and other causes beyond Chase’s control. Except as expressly provided in an applicable agreement, your use of the Service is at your sole risk and the Service and related content are provided "as is", "where-is" and "where available" and may change without notice. Chase and Zelle make no warranty that the Service will be uninterrupted, timely, invulnerable to cyber attack, secure or error-free, or that defects will be corrected, unless stated on the site or in an applicable agreement. To the fullest extent permitted by law Chase disclaims all representations, warranties and conditions, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement, and no license is implied.
Supporting quotations
15. Limitation of Liability: No Warranties
Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service, including input errors in typing the recipient’s Zelle ID as explained above.
YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.
EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, WE, ZELLE, NETWORK BANKS AND OUR RESPECTIVE OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENENACE THEREOF, ACCESS TO OR USE OF THE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND THAT THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT WE AND ZELLE MAKE NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.
Qualifications & exceptions
Subject to specific provisions and any different legal standard the law requires.
Covers direct as well as indirect damages.
Network Banks are among the protected parties.
Legal Rights & Agreement Rules · Restriction or exception
Zelle and Early Warning Services can enforce the Agreement’s arbitration provision against you
In addition to the "Disputes and Arbitration" section in the General Terms and Conditions, you acknowledge and agree that for any claims or disputes you assert against Zelle and Early Warning Services, LLC, Zelle and Early Warning Services are entitled to enforce this arbitration provision against you.
Supporting quotations
16. Binding Arbitration
In addition to the “Disputes and Arbitration” section in the General Terms and Conditions at the beginning of this document, you acknowledge and agree that for any claims or disputes you assert against Zelle® and Early Warning Services, LLC, Zelle® and Early Warning Services, LLC are entitled to enforce this arbitration provision against you.
Qualifications & exceptions
Applies to claims you assert against Zelle and Early Warning Services, LLC.
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.
Charges & Financial Obligations · Restriction or exception
Zelle has no purchase protection, and consumer account liability follows your deposit account agreement
Neither Chase nor Zelle offers a purchase protection program for buying goods or services, such as coverage for non-receipt, damage or "not as described" claims. The Service is not intended for buying goods from retailers or merchants, including on or through social media, online or social media marketplaces or messaging apps. For Consumer Accounts, your deposit account agreement has the important information about your rights and obligations for liability on your account. A consumer account is one used primarily for personal, family or household purposes and all others are business accounts; you should use your Consumer Account for personal, family or household payments and your Business Account for business payments. If you do Zelle transactions from Business Accounts, the paragraphs for business accounts below apply. Network Bank Accounts are subject to the agreement of the Network Financial Institution.
Supporting quotations
18. No Purchase Protection
Neither we nor Zelle offer a purchase protection program for the purchase of goods and/or services (e.g., coverage for non-receipt, damage, or “not as described” claims related to the purchase of such goods and/or services). The Service is not intended for the purchase of goods from retailers, merchants, or the like, including on or through social media or online or social media marketplaces or messaging apps.
For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account. A consumer account is one that is used primarily for personal, family or household purposes; all other accounts are business accounts. You should use your Consumer Account to send or receive payments for personal, family, or household purposes, and you should use your Business Account to send or receive payments for business purposes. If you perform Zelle transactions from Business Accounts enrolled in the Service, please refer to the paragraphs below beginning with “ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS” for additional terms applicable to business transactions. Network Bank Accounts are subject to the terms of the agreement of the Network Financial Institution.
Qualifications & exceptions
The no-protection statement covers purchases of goods and services.
Reimbursement for unauthorized transactions and qualifying imposter scams is mentioned earlier in the Addendum and governed by the deposit account agreement.
Not stated here
The deposit account agreement is a separate document not part of this source.
Charges & Financial Obligations · Restriction or exception
Zelle business deposit accounts: you answer for credentialed transfers; report problems within 30 days of the statement
For Chase Business Deposit Accounts only, you are responsible for all transfers authorized using your Password or login credentials, and for transactions others authorize if you let them use the Service, your Password or login credentials. Chase has no liability for errors or losses in using the Service except where it fails to exercise ordinary care, nor for failing to provide a service if the account is no longer linked, and its liability is limited to the funds improperly transferred less any amount that would have been lost even with ordinary care. Regardless of care by either party, failing to report an unauthorized transfer or error within thirty days of Chase providing or making available a bank statement showing it relieves Chase of liability for losses after that thirty-day period and bars you from asserting the claim. For Business Accounts, Chase says its practice is generally to follow the error resolution procedures in your deposit account agreement for consumer electronic fund transfers, but it is not legally required to and is not obliged to continue for future transfers.
Supporting quotations
19. ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS
Zelle Liability for Unauthorized Transfers for Chase Business Deposit Accounts Only
You are responsible for all transfers that are authorized using your Password or login credentials to access the Zelle Service. If you permit other persons to use the Service, your Password or other login credentials, you are responsible for any transactions they authorize.
We shall have no liability to you for any errors or losses you sustain in using the Service except where we fail to exercise ordinary care in processing any transaction. We shall also not be liable for any failure to provide any service if the account(s) involved is no longer linked for use with the Service. Our liability in any case shall be limited to the amount of any funds improperly transferred from your From Account less any amount, which, even with the exercise of ordinary care, would have been lost.
Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized transfer or error from any of your Chase Accounts within thirty (30) days of our providing or making available to you a bank statement showing such unauthorized transfer or error shall relieve us of any liability for any losses sustained after the expiration of such thirty-day period and you shall thereafter be precluded from asserting any such claim or error.
Errors and Questions about Services for Chase Business Deposit Accounts Only
Except as noted in the prior section, for Business Accounts, our practice is to generally follow the error resolution procedures described in your deposit account agreement for errors related to electronic funds transfers from consumer deposit accounts, but (i) we are not legally required to do so, and (ii) providing any such error resolution procedures to Business Accounts does not obligate us to continue to do so for any future transfers.
Qualifications & exceptions
Applies to Chase Business Deposit Accounts only.
The reporting window is thirty days from the statement showing the transfer.
Chase’s practice of following consumer error procedures for business accounts is not a legal requirement and not a continuing promise.
Charges & Financial Obligations · Context
Zelle definitions: acceptance, Chase Account, Completed, In Process, Network Bank, Send On Date and Zelle platforms
In the Zelle Addendum, "Accept" or "acceptance" is the recipient’s consent to receive the funds, given by the recipient or by the institution holding the account for them, manually or automatically, and for institutions that accept payments for their accountholders, including Chase, the date of acceptance typically has the same meaning as the Send On Date. A "Chase Account" is an eligible checking account held by Chase, or another eligible Chase account Chase determines, enrolled for the Service. "Completed" means funds have been successfully processed and both the To and From Accounts updated, which does not necessarily mean the To Account has received them. "In Process" means the requested funds are in transit but not yet credited to the To Account. "Network Bank" and "Network Financial Institution" mean a financial institution participating from time to time in the Zelle network, and a "Network Bank Account" is an account enrolled in Zelle with Chase or another Network Financial Institution. "Repeating" means automatic recurring payments or transfers to the same To Account for the same amount. "Send On Date" is the date you select to start delivery and notify the recipient, and the date funds are delivered may vary with available funds, the Business Day, acceptance and the recipient’s enrolment status and may be on or after the date entered. "Zelle" refers to a service of Early Warning Services, and the "Zelle platforms" are zellepay.com and/or the Zelle mobile application that Zelle makes available to certain Users.
Supporting quotations
20. Definitions
“Accept(s)” or “acceptance” refers to the recipient’s consent to receive the funds or transfers, which could be provided through various ways, including by the recipient or by the financial institution holding that account on recipient’s behalf, either manually or through an automated process. For those financial institutions that accept payments on behalf of their accountholders, including us, the date of acceptance as used in this Agreement typically has the same meaning as the Send On Date.
“Chase Account” means an eligible checking account held by us or other eligible J.P. Morgan Chase account as determined by us from time to time and enrolled for the Service.
“Completed” refers to funds have been successfully processed and both To Account and From Accounts have been updated. It does not mean funds have necessarily been received into the To Account.
“In Process” refers to the funds requested for transfer are in transit but have not yet been credited to the To Account.
“Network Bank” and “Network Financial Institution” refers to a financial institution participating from time to time in the Zelle digital payments network.
"Network Bank Account” refers to an account enrolled in Zelle with Chase or with another Network Financial Institution.
“Repeating” refers to automatic recurring payments or transfers to the same To Account, for the same amount which you can authorize for transmission.
“Send On Date” refers to the date you select which will instruct us to begin the delivery process and notify the recipient of the payment. NOTE: The date that we will deliver the funds to recipient may vary depending on available funds, the Business Day on which it falls, acceptance of the transfer or the recipient’s enrollment status in Zelle, and may be on or after the date entered in the sender’s Instructions.
“Zelle” or “Zelle®” refers to a service of Early Warning Services
“Zelle platforms” refers to the website, zellepay.com, and/or the Zelle mobile application operated and made available by Zelle to certain Users as determined by Zelle from time to time.
Qualifications & exceptions
The delivery date can be later than the Send On Date.