Chase Digital Services Agreement

Account & Service Control · Restriction or exception

You agree by enrolling; Services activate only when you take steps

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 is not activated until you take the necessary steps through one of the Digital Platforms, and any Service you have 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 to the Addenda terms does not itself activate a Service.
• Services already activated remain active.

Account & Service Control · Procedure

Where to find the agreement later and who to call

Chase suggests reading the agreement carefully and printing a copy. You can look at it again at any time under the Legal Agreements & Disclosures tab within the website or mobile application you are using. For questions about the Digital Platforms or Services, the notice gives the phone number (877) CHASEPC (877-242-7372).

Details not recorded for this card

Supporting quotations

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.

please call (877) CHASEPC (877-242-7372).

Account & Service Control · Restriction or exception

Some Addenda split terms between business and consumer accounts

The contents show that several Addenda separate their terms by account type. The Access and Security Manager Online Service has terms for both business and consumer accounts, additional terms for business accounts only, and a section on additional terms for consumer accounts. The Bill Payment Service has terms only for bill payments for consumer accounts and others only for business accounts, and a Bill Pay Guarantee for online and mobile bill payments and payments to a Chase loan or credit account made from a J.P. Morgan Chase checking account. The business-accounts-only heading refers the reader to Section 6 below for consumer-account terms, and the contents list the Section 6 entry in that Addendum as Links to Consumer Accounts.

Supporting quotations

Changes to Existing Account Documentation

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.

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

ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR BUSINESS ACCOUNTS

Qualifications & exceptions

• Which terms apply depends on whether the account is a business account or a consumer account.
• The Section 6 reference sits in the Access and Security Manager Addendum.

Not stated here

• The terms those entries name are not supplied here in the contents list; the Addendum text itself says what they provide.

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. When you use or access them, or permit any other person or entity to use or access them on your behalf, you agree to the agreement, and by using them you acknowledge that you have read, understand and agree to follow it. If you do not agree, you may not use or access the Digital Platforms or the Services.

Supporting quotations

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 extends to use by anyone you permit to use or access the platforms on your behalf.

Account & Service Control · Company practice

Services, fees and eligibility can differ by location

The Services, along with the fees, charges, interest rates and balance requirements tied to them, may differ among geographic locations, and not all Services are offered everywhere, so you may not be eligible for every Service. Chase reserves the right to determine your eligibility for any Service. Offering the Services through the Digital Platforms is not a solicitation to use them in jurisdictions where providing them 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.

Qualifications & exceptions

• Eligibility for each Service is decided by Chase.

Not stated here

• Which locations or Services are affected is not stated here.

Account & Service Control · User right or choice

Mobile Services messages go through your carrier as your agent; keep contact details current

You agree that Chase may send you information about the Mobile Services through your Communication Service Provider, and that the provider is acting as your agent. You agree to give Chase a valid phone number, email address or other delivery location for that information, including information about your applicable account or Card. You must immediately notify Chase if a phone number or email address you provided is surrendered 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

• Applies to information related to the Mobile Services.
• The duty to notify is triggered when you surrender or change a phone number or email address you provided.

Account & Service Control · Restriction or exception

Marketing and offers on Mobile Services are for U.S. customers only

Marketing or offers that appear on the Mobile Services are intended for U.S. customers, are valid only in the U.S. and only where allowed by state law. Chase does not extend marketing or offers into foreign jurisdictions where they may be prohibited.

Supporting quotations

any marketing or offers that appear on Mobile Services are intended for U.S. customers, are only valid in the U.S., and only valid where allowed by state

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 Services, different information and slower processing

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 them there, and Chase reserves the right to determine your eligibility. Information on the Online Services, including account balance, Transfer and payment information, may not be available through the Mobile Services, may differ, may use different terminology or may be more current. Entering Instructions through the Mobile Services may work differently from the Online Services, and processing of Instructions may take longer.

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.

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. Such information available through the Online Services may also be described using different terminology (including capitalized terms used in the Agreement or on certain of our Digital Platforms), or may be more current than the information available via the Mobile Services. This includes account balance information, and Transfer and payment information.

Processing of Instructions may take longer through the Mobile Services.

Qualifications & exceptions

• Applies when you use a mobile device or the Mobile Services rather than the Online Services.

Account & Service Control · Company practice

Alerts are a convenience, not a replacement for statements; you may be auto-enrolled

Alerts are provided for your convenience and do not replace your periodic account statements or other notices, such as trade confirmations for Investment Accounts. They are available only to customers with an eligible account, which includes a Consumer Account, a Business Account, an auto, mortgage or home equity account and Investment Accounts, and may include other accounts Chase decides on later. You may be automatically enrolled to receive certain Alerts.

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.

Qualifications & exceptions

• Available only to customers who have an eligible account.

Not stated here

• Which Alerts you are automatically enrolled in is not stated.

Account & Service Control · Procedure

Report wrong AI information or transactions within the time frame in the relevant agreement

You are responsible for reviewing all information, responses and transactions generated or facilitated by AI features. If you believe information or a transaction 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 and conditions, including the Addenda.

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 contact method and deadline come from the account agreement or the Service's own terms.

Not stated here

• The specific time frames are in other documents or Addenda and are not stated in this section.

Account & Service Control · User right or choice

Keep a valid email and contact details current; information you give must be complete and accurate

You agree to provide a valid email address so Chase can send information about the Digital Platforms and Services, including to service or manage your accounts. You must immediately notify Chase if a phone number, email address or other contact information you provided is surrendered or changed by you. You also agree that information you provide in connection with this agreement will be complete and accurate.

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 agree that information you provide to us in connection with this Agreement will be complete and accurate.

Qualifications & exceptions

• The duty to notify is triggered when you surrender or change contact information you provided.

Account & Service Control · Restriction or exception

Do not send trade orders or transaction Instructions by email or text; Chase will not act on them

You agree not to send securities trade orders or any other transactional instructions, including Instructions, by email, text or other electronic means not designed by Chase to accept them. Chase will not act on instructions sent that way, and because of time zone differences and other reasons may not be able to respond within the time you expect.

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.

Qualifications & exceptions

• Applies to channels not designed by Chase to accept such instructions.

Account & Service Control · Restriction or exception

Account information on the platforms is a convenience, not the official record

Account information and data on the Digital Platforms or in a Service is provided as a convenience and is not the official record of your account or its activity. Your account statement, sent in paper or electronically if you are enrolled in the Paperless Statements Service, remains the official record. The information is generally updated regularly but is subject to adjustment and correction, so you should not rely on it to take or not take 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.

Qualifications & exceptions

• The account statement, paper or electronic (Paperless Statements Service), is the official record.

Account & Service Control · Restriction or exception

Digital access is separate from signature arrangements and can reach accounts a person could not otherwise sign on

Account access through the Digital Platforms or Services is separate and distinct from your existing signature arrangements. When you give another person or entity, including an AI agent or agentic AI, authority to access accounts through the Digital Platforms or Services, that individual or system may have access to one or more accounts to which they would not otherwise have signature access.

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.

Account & Service Control · Restriction or exception

Agents may not be used by anyone under 13 or barred from the Services

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

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 limit is 13 or any greater age applicable laws require.

Account & Service Control · Company practice

Services are usually available around the clock but maintenance or problems can interrupt them

The Digital Platforms and Services are typically available 7 days a week, 24 hours a day, subject to the hours of any necessary third party, such as a market or exchange, and any limits in the terms of your account. Chase may from time to time perform maintenance or experience hardware, software or other problems that result in interrupted service, delays or errors.

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.

Qualifications & exceptions

• Availability is subject to third-party hours (for example a market or exchange) and account terms.

Account & Service Control · Company commitment

You promise your information about yourself and your accounts is true, accurate and current

You represent that you will give true, accurate, current and complete information about yourself and your accounts, including any External Accounts, and will not misrepresent your identity or your account information, including External Account information.

Supporting quotations

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)

Qualifications & exceptions

• Covers External Accounts as well as your accounts with Chase.

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). Information on which countries are sanctioned is available on the U.S. Department of the Treasury website. An attempt to log on from one of those countries may lead to your access being restricted or terminated.

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

• Applies to log-on attempts from countries under OFAC sanctions.
• Consequence: access may be restricted or terminated.

Not stated here

• The list of sanctioned countries is on the Treasury website and is not in this document.

Account & Service Control · Restriction or exception

If you give your child access, the agreement applies to them and you take full responsibility

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

• Chase may allow, not must allow, child access to certain Services linked to your profile.

Not stated here

• The age at which a child may be given access is not stated in this section.

Account & Service Control · Company practice

Chase can terminate, suspend or limit your access at any time, for any reason or none, without notice

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. The listed examples include not accessing 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 use of a third-party AI agent Chase deems potentially compromises security or may violate law. Chase may also set other eligibility criteria and decline or prevent any or all transactions through the platforms or Services, 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

• No prior notice is required.
• The examples are introduced with including, so they are not a complete list.
• Decisions on eligibility and transactions are in Chase's sole discretion.

Account & Service Control · Restriction or exception

After termination: prior obligations survive, you stop using and delete copies, underlying accounts are unaffected

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 affect the terms or status of any underlying account you have with Chase, and each account agreement continues under its own terms. Terms of the agreement and an Addendum that expressly or by their nature contemplate performance after termination survive, and the provisions protecting Chase's confidential information, requiring indemnification and setting limits of liability are stated to be of that kind.

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.

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.

Qualifications & exceptions

• Survival covers terms that expressly or by their nature contemplate performance after termination.
• Underlying accounts continue under their own account agreements.

Account & Service Control · Context

Glossary: Business Account, Consumer Account, Card, loan accounts and External Account

A Business Account is any deposit account, such as checking or savings, you have with Chase that is used for business (non-personal) banking purposes. A Consumer Account is a deposit account established primarily for personal, family or household banking purposes. A Card is any credit and/or debit card Chase issues. A Chase Loan or Credit Account is one of Chase's 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. An External Account is a checking or savings account held by an institution other than Chase and registered for External Transfers, and its account holder must be the same individual or business entity as the account holder of the Chase account or line of credit, mortgage, installment loan or auto account that is authorized to access the Services.

Supporting quotations

“Business Account” | 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.

“Consumer Account” | 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.

“Card” | Refers to any credit and/or debit card issued by us.

“Chase Loan or Credit Account” | 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.

“External Account” | 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.

Qualifications & exceptions

• Business Accounts versus Consumer Accounts turns on whether the deposit account is used for business (non-personal) purposes or established primarily for personal, family or household purposes.
• An External Account must be held by the same individual or business entity as the authorized Chase account.

Account & Service Control · Context

Glossary: Chase Online, Chase Business Online and Chase Mobile

Chase Online is the online, client-facing platform at www.chase.com on which JPMC customers may conduct online banking and investing and access the Online Services. Chase Business Online is the platform at www.chase.com/business on which JPMC customers who hold a Business Account may conduct online banking and access the Online Services. Chase Mobile is the mobile platform on which JPMC customers may conduct mobile banking and investing and access the Mobile Services.

Details not recorded for this card

Supporting quotations

“Chase Business Online” | 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.

“Chase Mobile” | Refers to the mobile platform on which JPMC customers may conduct mobile banking and investing and access the Mobile Services.

“Chase Online” | 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.

Qualifications & exceptions

• Chase Business Online is for JPMC customers who hold a Business Account.

Account & Service Control · Context

Glossary: Paperless Statements Service covers agreements, statements, tax forms and privacy policies in electronic form

The Paperless Statements Service lets customers elect to receive certain communications from Chase in electronic format. The Glossary says these communications include customer agreements or 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 required by law to provide in writing. A Password is a password used to access your profile on the Digital Platforms or any Service as applicable.

Supporting quotations

“Paperless Statements Service” | 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.

“Password” | Refers to a password used to access your profile on the Digital Platforms or any Service (as applicable).

Qualifications & exceptions

• The Service is by election of the customer.
• The list is introduced with include, so it is not a complete list.

Account & Service Control · Context

Glossary: Supported Mobile Operating Systems and Systems

Supported Mobile Operating Systems are the operating systems Chase supports for its mobile applications, for example Android or iOS, as listed in the Digital Platforms, and the list may change from time to time in Chase's sole discretion. Systems means all software, hardware or other equipment necessary for you to access and use the Digital Platforms and Services.

Details not recorded for this card

Supporting quotations

"Supported Mobile Operating Systems" | The operating systems we support for our mobile applications (for example, the Chase Mobile® app), as listed in the Digital Platforms (for example, Android or iOS). This list may change from time to time in our sole discretion.

“Systems” | Refers to all software, hardware or other equipment necessary for you to access and use the Digital Platforms and Services.

Qualifications & exceptions

• Chase may change the list of supported operating systems at any time in its sole discretion.

Not stated here

• The current list of supported operating systems is on the Digital Platforms and is not in this document.

Account & Service Control · Context

Access and Security Manager Addendum lets customers delegate Online Services functions to sub-users

The Access and Security Manager Online Service Addendum governs the Service, a feature that lets customers delegate certain functions of the Online Services to one or more sub-users. It carries a last updated date of 10/4/2021 and the heading (For Business Customers Only), yet it says it contains terms for both Business Accounts and Consumer Accounts: Sections 1 and 2 apply equally to both, Sections 3-5 apply only to Business Accounts and Section 6 applies only to Consumer Accounts. The heading and the stated scope are not reconciled in the document.

Supporting quotations

(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.

The Service is a feature that allows customers to delegate certain functions of the Online Services to one or more sub-users.

Qualifications & exceptions

• Sections 1 and 2 apply to both account types, Sections 3-5 only to Business Accounts, and Section 6 only to Consumer Accounts.
• Last updated 10/4/2021, earlier than the agreement's October 2026 date.

Not stated here

• The document does not say why a Business Customers Only heading sits on an Addendum that includes consumer terms.

Account & Service Control · Context

In this Addendum, you can mean the business or you personally, depending on the section

In Sections 1-5 of this Addendum, you and your mean the business entity applying for or using the Online Services. If you are the Account Administrator, you also means, in Sections 1-5, you as an authorized representative of the business you act for, and in Sections 1-2 (as applicable) and Section 6, you in your individual and personal capacity regarding your Consumer Accounts, including Consumer Accounts you link to a Business Account for Online Services access, and not as the business's representative. An Account Administrator is any signer on your Business Account or Consumer Accounts or anyone else you authorize to perform the Account Administrator activities, and for Commercial Term Lending loans may also mean, if applicable and at Chase's sole discretion, a borrower, guarantor or key principal. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions.

Supporting quotations

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.

all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

Qualifications & exceptions

• The capacity in which you act changes by section: business representative in Sections 1-5, individual for Consumer Accounts in Sections 1-2 and 6.

Account & Service Control · Restriction or exception

Do not link Business and Consumer Accounts with multiple signers or change signers without notifying Chase

You agree not to ask that a Business Account be linked to a Consumer Account, or the reverse, 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 first notify Chase by calling 877-CHASEPC (877-242-7372) or writing to Chase Online Customer Service, P.O. Box 2558, Houston, TX 77252-9968 to terminate access to those accounts. No such change is effective until Chase receives the notice at that number or address 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 accounts linked for the Online Services.
• A change takes effect only after Chase receives notice and has a commercially reasonable opportunity to act.

Account & Service Control · Permission or license

For business accounts, you ratify everything your Account Administrator and Authorized Users do

For Business Accounts, 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 and confirm all the Account Administrator's activities, existing or future, whether or not within the authority you gave. You also authorize every Authorized User the Administrator designates and ratify their activities in the same way, and delegate to any Authorized User your right to receive Chase's communications about issues they raise. You are responsible for the security of user IDs and Passwords issued to any Authorized User or Account Administrator and for financial transactions or information received using them to the fullest extent allowed by law, and for administering, monitoring and controlling Authorized Users. An Authorized User is any person the Account Administrator designates through the Online Services to perform activities, including accessing, viewing and transacting on all your accounts linked for the Online Services.

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 hereby delegate to any Authorized User, any right you have to receive communications from us

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 the Business Accounts terms in Sections 3-5 of this Addendum.
• Ratification covers activities whether or not within the scope of authority you granted.
• Responsibility for user IDs and Passwords is to the fullest extent allowed by law.

Account & Service Control · Permission or license

Account Administrators can obtain and distribute user IDs, Passwords and Chase notices

You agree that each Account Administrator is authorized to request that Chase issue user IDs, Passwords or other security codes or devices for the Online Services; to receive, act on, use and pass on to others on your behalf those credentials and the documents and correspondence about them; and to 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

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 · Restriction or exception

Tell Chase right away if the Account Administrator changes; Authorized Users' access is not changed automatically

You agree to advise Chase immediately of any change in the identity of the Account Administrator. The Account Administrator's access continues until you give written notice of a change and Chase has had a commercially reasonable time to act. A change of Account Administrator does not automatically affect the access or entitlements of Authorized Users, and maintaining Authorized Users' entitlements is your responsibility. 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 deems 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.

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

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

• Access continues until written notice and a commercially reasonable time to act.
• Chase may suspend any user's access without notice if reasonably necessary.

Account & Service Control · Permission or license

Linking Consumer Accounts lets Authorized Users act on them; you ratify their activity and Chase has no liability

If you give an Authorized User access to your Consumer Accounts, you authorize them to view and access those accounts, perform any and all transactions available on the Online Services for them, communicate with Chase about them and receive communications about them. You ratify all such activity, current or future, whether or not within the authority you intended to give. You are responsible for the security of user IDs and Passwords issued to any Authorized User for your Consumer Accounts and for transactions or information received using them to the fullest extent allowed by law. Chase has no liability to you, your representatives, heirs and assigns for allowing Authorized Users access to Consumer Accounts you linked as Account Administrator. For a joint account you represent that you have the other individual's permission before adding the Authorized User and you are responsible for all claims arising from failing to get it.

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.

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.

Qualifications & exceptions

• Applies to Consumer Accounts that you, as Account Administrator, linked for the Online Services.
• Responsibility for credentials is to the fullest extent allowed by law.
• For a joint account, you must have the other individual's permission first.

Account & Service Control · Restriction or exception

Remove Authorized Users' access to your Consumer Accounts before you step down; successors can see linked accounts

You must tell Chase immediately of changes in Authorized Users' authority to access your Consumer Accounts. Access by Authorized Users you designated continues until you change their profile to prevent it. You are responsible for removing Authorized Users' access to your Consumer Accounts within the Online Services before withdrawing or ending your role as Account Administrator, and for all claims arising from failing to do so. A later Account Administrator on a Business Account will have access to your linked Consumer Accounts, including all online history for them, until you ask Chase to remove those accounts and Chase has a commercially reasonable time to act.

Supporting quotations

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.

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

• Access continues until you change the Authorized User's profile.
• A successor Account Administrator keeps access, including online history, until you request removal and Chase has a commercially reasonable time to act.

Account & Service Control · Company commitment

You represent you own the Linked Accounts and can give Chase the credentials to access them

You represent that you have legal ownership of 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 designate Chase as your agent, to permit Chase to receive Aggregated Data, and to give Chase all information needed to access your Linked Accounts, including passwords and usernames.

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

• For Business Banking or Commercial Banking relationships, being an authorized user is enough.

Account & Service Control · Restriction or exception

Chase can add or remove eligible external accounts at any time; keeping connections working is your job

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 new or updated authorizations, or otherwise give effect to adding, maintaining or removing Linked Accounts. Connections to Linked Accounts may be lost, and it is solely your responsibility to update them. The institutions that hold your accounts and assets may not be eligible for the Aggregation 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.

the institutions that have custody of your accounts and assets may not be eligible for the Aggregation Service.

Qualifications & exceptions

• No notice is promised when external accounts are added or removed.
• Updating lost connections is solely your responsibility.

Account & Service Control · Restriction or exception

You need a checking account and a Primary Account; collections only from U.S. Payors, subject to approval

To use the ACH Collections Service you must keep a checking account with Chase and designate one of your eligible checking accounts as your Primary Account for collecting recurring monthly service fees. You may designate any of your 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 to issue Instructions for lawful purposes.

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.

Qualifications & exceptions

• Collections only from Payors located in the United States, subject to Chase's approval.
• The Primary Account is used for recurring monthly service fees.

Account & Service Control · Procedure

Cancel the ACH Collections Service by phone; fees continue up to two months with no refund

You can cancel the ACH Collections Service by calling 877-CHASEPC (877-242-7372), option 3, and Chase may also require your request in writing. On cancellation you lose access to all ACH Collections Service features. Fees applicable to the service continue to apply for up to two months after you cancel, and you do not get a refund of any fees. Cancelling has no impact on other Services or account relationships you have 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.

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.

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.
• Chase may require a written request in addition to the call.

Account & Service Control · Restriction or exception

ACH Payment Services are for business customers, who may have fewer protections than consumers

The ACH Payment Services Addendum, marked For Business Customers Only and last updated 12/11/2025, governs the service you use to make an ACH Payment. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions, except as the Addendum sets out otherwise, and the Addendum refers to Section 13 below for that exception. You can use the services to send an ACH Payment from your eligible checking account to a Payee's account, but only business banking and private banking business customers who enter into an applicable deposit account agreement with Chase may use them. The Addendum states that business customers may have fewer protections than consumer customers and that certain accounts may not be eligible to fund payments through the services on chase.com. In this document the Addendum's section headed Definitions is numbered 14 and the section numbered 13 is headed Cancellation of the ACH Payment Service, so the cited number is quoted as written.

Supporting quotations

(For Business Customers Only)

Last updated: 12/11/2025

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 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.

Qualifications & exceptions

• Only business banking and private banking business customers who enter into an applicable deposit account agreement may use the services.
• Business customers may have fewer protections than consumer customers.

Not stated here

• The document does not say which accounts are ineligible to fund payments through the services on chase.com.
• The Addendum's cited Section 13 does not match the numbering of its Definitions section.

Account & Service Control · Restriction or exception

You must supervise your authorized users and answer for their use of the services

You must supervise the persons you have authorized to use the ACH Payment Services on your behalf, and you are responsible for your authorized users' use of the services.

Supporting quotations

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.

Account & Service Control · Procedure

Cancel the ACH Payment Service by phone; fees continue up to two months with no refund

You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), option 3, and Chase may also require your request in writing. On cancellation you lose access to all features. Fees applicable to the service continue for up to two months after you cancel, and you do not get a refund of any fees. Cancelling has no impact on 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.

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.

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.
• Chase may require a written request in addition to the call.

Account & Service Control · Restriction or exception

Bill Payment Service Addendum: eligibility limits and Chase's discretion over accounts and Payees

The Bill Payment Service Addendum, last updated 1/25/2024, governs the service for making Bill Payments. Capitalized terms not defined in it take their meaning from the preamble on page one of the Agreement or the General Terms and Conditions, for example the Glossary, except as the Addendum sets out otherwise, and the Addendum refers to Section 11 below for that exception. Not all accounts are eligible. Chase reserves the right to limit eligibility to certain account types and to change eligibility from time to time, and to restrict the categories or number of recipients or Payees you can pay, in its sole discretion. Eligible accounts are described later in the Addendum.

Supporting quotations

Last updated: 1/25/2024

This Addendum governs your use of the service to make Bill Payments

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.

Qualifications & exceptions

• Eligibility and Payee restrictions are in Chase's sole discretion and can change from time to time.

Not stated here

• The eligible accounts are described later in the Addendum and are analyzed where they appear.

Account & Service Control · Company commitment

Keep your email current and follow your other account documents; other payment services have separate terms

Bill Payments appear on the statements for your respective accounts. Certain payments available through the Services, such as the online wire transfer service, payroll and tax payment services and the Zelle Service, may be subject to separate terms or payment authorizations, and you should refer to the agreements and documentation you receive for those services. You agree to update your email address if it changes and keep a working email address on your online profile whenever you use the Bill Payment Service. You also agree to be bound by other written requirements Chase furnishes for your deposit accounts, credit card accounts and other products accessible through the service, including your deposit account agreement and your credit card, mortgage, auto, installment loan or line of credit terms.

Supporting quotations

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

• Separate terms apply to wire transfer, payroll and tax payment services and the Zelle Service.

Not stated here

• The separate agreements and documentation for those other services are not part of this Addendum.

Account & Service Control · Restriction or exception

e-Bills lets you receive bills electronically; enrolling ends the Payee's paper statements, including accessible formats

E-Bills is a feature of the Bill Payment Service that lets you receive bills electronically from participating Payees. By activating e-Bills you agree to the terms of the 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 ones such as Braille or enlarged font, and any accommodations or exceptions are agreed between you and the Payee and not 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.

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.

Qualifications & exceptions

• Applies to both Consumer and Business Accounts.
• Accessible paper formats from the Payee end on enrollment unless you and the Payee agree otherwise.

Not stated here

• Each Payee's own e-Bills terms are not part of this document.

Account & Service Control · Restriction or exception

Each Payee is enrolled separately and only one financial institution can deliver its e-Bills

You must enroll each Payee in e-Bills individually. The right to activate and receive e-Bills for a Payee is limited to one financial institution: if you activate e-Bills for a Payee through Chase you no longer receive them through the institution you currently use, and if you activate e-Bills for that Payee through another institution, e-Bills through Chase for that Payee end.

Details not recorded for this card

Supporting quotations

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

• One financial institution per Payee.

Account & Service Control · Restriction or exception

Payees decide whether to approve e-Bills requests; you warrant you may receive them

Participating Payees set their own criteria for reviewing requests to receive e-Bills and have sole discretion to accept or decline; Chase does not participate in the decision. Payees generally take up to five Business Days to approve a setup request. By requesting that bills, statements or related communications be sent to you electronically, you warrant that you have the right, power and authority to receive them.

Supporting quotations

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.

Qualifications & exceptions

• Approval takes generally up to five Business Days and is at the Payee's sole discretion.

Account & Service Control · Restriction or exception

e-Bills terms bind all borrowers, account holders and authorized users, individually and jointly

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 who enrolls, the terms of this section apply to all borrowers, account holders and authorized users, individually and jointly.

Supporting quotations

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.

Qualifications & exceptions

• Applies to all borrowers, account holders and authorized users, individually and jointly.

Account & Service Control · User right or choice

Anyone can cancel e-Bills; Chase may stop delivering them, and cancellation takes at least seven Business Days

All parties have the right to cancel the e-Bills service at any time, and Chase may elect to discontinue delivering e-Bills for certain Payees or customers and will notify you if it or a Payee stops e-Bills. 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, or continue to receive e-Bills from Chase for one or two cycles instead of through the new institution you activated. Chase also reserves the right to terminate a Payee's participation in e-Bills at any time.

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 an e-Bill generally takes at least seven Business Days, during which you may miss a statement or bill.

Account & Service Control · Restriction or exception

e-Bills are a convenience, may be in English only, and payments due remain your responsibility

You understand that e-Bills are provided for your convenience and payments due continue to be your responsibility. e-Bills and their content may be available only in English, not a foreign language such as Spanish, even if you receive the Payee's bill in a foreign language or use Chase's website or app in a foreign language. By using e-Bills you agree to receive them in English, and Chase is not responsible for delivering them in a foreign language; questions on this go 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;

Qualifications & exceptions

• The language depends on the Payee, and e-Bills may be available only in English.

Account & Service Control · Restriction or exception

e-Bills may not be accessible to screen readers or WCAG-conformant, even if the e-Bill summary is

The e-Bill summary, which may include the statement date, due date and amounts due and differs from the e-Bill, is accessible by screen reader software and other Assistive Technology as presented on any Chase digital platform. The e-Bills themselves and their content may not be presented in a way accessible to screen readers or assistive technology that conform to web content accessibility guidelines (WCAG), regardless of whether you can currently access the Payee's bill online or in an app with such technology. By using e-Bills you agree to receive them as provided, which may include an inaccessible format, and Chase is not responsible for delivering e-Bills in a digitally accessible format that conforms to WCAG; questions go to the Payee.

Supporting quotations

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

• The e-Bill summary is described as accessible; the e-Bill itself may not be.
• Accessibility depends on the Payee.

Account & Service Control · Restriction or exception

Business customers can link accounts with the same tax ID and some Consumer Accounts

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 to be linked, and the Consumer Account information provided is accurate and can be validated.

Supporting quotations

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 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 Bill Payments for Business Accounts.
• Linking Consumer Accounts requires the same authorized signer and accurate, validated account information.

Account & Service Control · Procedure

Cancel the Directory Service by phone or online; pending payments then go by paper check

You may cancel the service by calling 877-CHASEPC (877-242-7372) or online, and the same number is for changing information or reversing Electronic Payments. Chase may cancel the service at any time. Cancellation by either party is effective within two Banking Days. Pending, recurring or future-dated payments or transfers scheduled as of the cancel date, and any directed to you after it, are processed by paper check. After cancellation the Addendum no longer applies to you and you are removed from Chase's bill pay directory, and cancelling has no impact on other Online Services or account relationships.

Supporting quotations

4. Cancellation of the Electronic Payment Service

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.

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.

Qualifications & exceptions

• Cancellation is effective within two Banking Days.
• Payments to you after cancellation are sent by paper check.

Account & Service Control · Restriction or exception

QuickDeposit for Mobile lets eligible account holders deposit checks by phone images, with endorsement rules

The Chase and J.P. Morgan QuickDeposit for Mobile Addendum, last updated 9/22/2022, governs the Service. To enroll 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 determines in its sole discretion (Eligible Accounts). The Service lets you deposit to an Eligible Account using the Chase Mobile or J.P. Morgan Mobile app and a capture device such as a smartphone to create front and back images of an Item and transmit them with related data to Chase or its designated processor. You must use software and hardware provided by or acceptable to Chase, you are solely responsible for information transmitted or key-entered by you, your employees or agents, and before scanning you must endorse each Item with your name and the legend For Electronic Deposit at Chase Only, For Electronic Deposit at J.P. Morgan Only or For Electronic Deposit at JPMS Only, or as otherwise instructed, and follow other procedures Chase sets. Conditions of the Service are that you keep the Eligible Accounts in good standing, subscribe to the Service and comply with restrictions Chase communicates.

Supporting quotations

Last updated: 9/22/2022

This Addendum governs your use of the Chase and J.P. Morgan QuickDeposit Service

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.

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.

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 Accounts include accounts Chase determines in its sole discretion from time to time.
• The endorsement legend depends on whether the deposit is to a Chase bank account, a J.P. Morgan bank account or an investment account.

Account & Service Control · Restriction or exception

QuickDeposit Classic for Business Banking: scan checks by scanner, phone or tablet, endorsed For Deposit Only

The Chase QuickDeposit Classic for Business Banking Addendum, marked For Business Customers Only and last updated 4/4/2024, governs the Service. It lets you deposit to an eligible account by using a capture device to create an electronic image of an Item and transmit it and related data to Chase. You must use software and hardware provided by or acceptable to Chase and are solely responsible for information transmitted, supplied or key-entered by you, your employees or agents, and before scanning you must endorse each Item with your name and the legend For Deposit Only. Deposits using a single feed 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, while deposits using an eligible mobile device or tablet without a scanner attached may be scanned from any location.

Supporting quotations

(For Business Customers Only)

Last updated: 4/4/2024

This Addendum governs your use of the Chase QuickDeposit Service as described below

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”.

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.

Qualifications & exceptions

• Scanner deposits must be made from the United States and its territories; mobile or tablet deposits may be scanned from any location.
• Marked For Business Customers Only.

Account & Service Control · Restriction or exception

Products may be used only by you and your Affiliates, and you answer for the Affiliates

You agree the Products will be used only by you and your Affiliates, provided each Affiliate agrees to be bound by the terms, and you are liable for your Affiliates' acts and omissions in connection with the Products. In this Addendum Affiliates are entities that control, are controlled by or are under common control with you, and control means possessing, directly or indirectly, more than a 50% ownership interest in an entity.

Supporting quotations

5. Use of Products

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.
• Control means more than a 50% ownership interest.

Account & Service Control · Restriction or exception

Positive Pay and Reverse Positive Pay enrollment stops original checks coming with your statement

The services let you decide which checks are paid or returned unpaid and which ACH debits are allowed or blocked. When you enroll in either the Positive Pay Service or the Reverse Positive Pay Service, you no longer receive the original Items with your account statement. The Addendum says it is a best practice to monitor the security dashboard daily for pending transactions.

Supporting quotations

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.

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

• Applies once you enroll in Positive Pay or Reverse Positive Pay.

Account & Service Control · Restriction or exception

Eligibility: a U.S. dollar checking account; switching services may leave you unprotected for a few days

You must maintain a checking account with Chase domiciled in the United States and denominated in US Dollars. Not all checking accounts are eligible, and Chase may change eligibility criteria and which accounts are eligible for any of the services at any time. You may unenroll an account from one service and enroll it in another at any time, subject to eligibility, but a change may leave a gap period of a few days in which none of the services is available for that account. You take all responsibility for any liability, loss or damage occurring during or related to that gap period 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

2. Eligibility

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.

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

• Chase may change eligibility criteria and eligible accounts at any time.
• A switch between services can create a gap of a few days with no protection, and you bear the responsibility.

Not stated here

• The Account Rules and Regulations check-printing guidelines are not part of this document.

Account & Service Control · Procedure

Activation needs Chase approval; Positive Pay can take three to seven Business Days

To activate and use the services you must have and maintain one or more deposit accounts with Chase and submit a request on Chase Online for Business. Activation is subject to Chase's approval, and Chase may require you to enter service activation codes it provides. Reverse Positive Pay is available the next Business Day after activation, Positive Pay's estimated activation date is within three to seven Business Days after enrollment, and the ACH Debit Block Service is activated within two Business Days of enrollment, with later changes effective within two Business Days. Submitting Positive Pay Issuance Information is required for Positive Pay activation, Items issued and presented to Chase before the activation date are not subject to Positive Pay, and Items presented after it are.

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: three to seven Business Days; Reverse Positive Pay: next Business Day; ACH Debit Block: two Business Days.

Account & Service Control · Restriction or exception

Gifting Service lets you buy digital merchant gift cards for people in the U.S.; no physical cards

The Gifting Service Addendum, last updated 10/4/2021, lets you use your eligible From Account to buy a digital merchant gift card to send to another J.P. Morgan Chase customer or anyone you know residing in the United States. Eligible accounts are currently certain J.P. Morgan Chase checking accounts, and Chase has the right to determine eligibility and to restrict categories of accounts, recipients and merchants in its sole discretion. You cannot buy a physical gift card through the service. Chase provides the service through an arrangement with its gift card service provider or the merchant that accepts the card and the merchant's vendor.

Supporting quotations

Last updated: 10/4/2021

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”).

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.

Qualifications & exceptions

• Recipients must reside in the United States.
• Eligibility of accounts, recipients and merchants is in Chase's sole discretion.

Account & Service Control · Procedure

Wire error contacts: 877-242-7372, 713-262-3300 for international calls, relay calls and a Houston mailing address

For errors or questions about your funds transfers, contact Chase using the online message center or the main phone number 877-242-7372. International callers use 713-262-3300, Chase accepts operator relay calls for deaf and hard of hearing customers, and written correspondence goes to Online Customer Service, PO Box 2558, Houston, TX 77252-9968.

Details not recorded for this card

Supporting quotations

13. How to contact us

In case of errors or questions about your funds transfers please contact us 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

Written Correspondence: Online Customer

Service

PO Box 2558

Houston, TX 77252- 9968

Account & Service Control · Context

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

The PayPal Provisioning Platform Terms Addendum, last updated 10/4/2021, governs your provisioning of any eligible Card (a Chase P3 Card) for use on the PayPal Provisioning Platform (P3). In it, merchant also includes retailers. P3 allows electronic storing of your Chase P3 Card information, called adding or provisioning the card, lets you use stored eligible cards for transactions with merchants using P3, and allows other services described in the Terms or that Chase may offer. You may add or provision any or all of your eligible Chase P3 Cards, including future ones, and remove them, and may choose one as the default. Each Chase P3 Card may be the payment source for your P3 transactions.

Supporting quotations

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”).

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.

Qualifications & exceptions

• Applies to eligible Cards (Chase P3 Cards) provisioned for use on P3.

Account & Service Control · Restriction or exception

Only eligible Chase cards in good standing can be added, and Chase can remove or block them at any time

Only Chase P3 Cards that Chase determines are eligible can be added or provisioned for use with 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 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 or illegal activity or unauthorized or improper conduct. You can also remove one or more of your 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.

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

• Chase may remove, block, restrict or suspend at any time and for any reason; the listed reasons are examples.
• You can remove your own cards through chase.com, the Chase Mobile app, paypal.com or PayPal's app.

Account & Service Control · Restriction or exception

Do not use P3 for fraud or illegal activity or act as a payment intermediary for others

You may not, and will not allow or cause 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 a 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.

Account & Service Control · Restriction or exception

Chase may suspend or end your Real-Time Payments request features if it reasonably suspects non-compliance

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

Supporting quotations

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

Qualifications & exceptions

• Chase acts on reasonable suspicion of non-compliance with the Agreement.

Account & Service Control · Context

The service helps cancel eligible subscriptions paid with a Chase card; Chase has no Merchant relationship

The terms apply when you or someone you delegated to act for you use the Service through Chase Online or the Chase Mobile app to facilitate canceling your eligible subscriptions with participating companies (Merchants) that you pay for with an eligible Chase credit or debit card. Chase does not have any direct relationship with Merchants in connection with 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.

Qualifications & exceptions

• Covers subscriptions with participating Merchants paid for with an eligible Chase credit or debit card.

Not stated here

• Which subscriptions and Merchants are eligible is not stated here.

Account & Service Control · Restriction or exception

Eligibility: active Chase account and card, United States use only, lawful purposes, age 18 or over

As a condition of providing the Service, you make representations, warranties, covenants 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. You represent that you have authority to authorize, access and use the information shared with the Service Provider and Merchants and to make changes to the Merchant account and grant that authority to the Service Provider. You agree that access or use must occur within the United States, that you will use the Service only for lawful purposes, that you are enrolled in Chase online or mobile banking and have an eligible Chase credit or debit card, that you are the legal owner or an authorized user of the financial account you use, and that you are over 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

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 represent that you have the authority to authorize, access, and use the information shared with Service Provider and the Merchants.

You represent that you have the authority to make changes to the applicable account with the Merchant and to grant that authority to Service Provider.

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 are the legal owner or an authorized user of the financial account you are using in connection with the Service.

You represent that you’re over the age of eighteen (18).

Qualifications & exceptions

• Access or use must occur within the United States.
• You must be over eighteen and have an eligible Chase credit or debit card.
• Eligibility and restrictions are in Chase's sole discretion.

Account & Service Control · User right or choice

Each use is a separate consent; you can stop using the Service, and Chase can decline or stop it at any time

Each use of the Service is a separate transaction requiring your consent for that transaction only, and the Addendum does not require you to keep using the Service, so you may stop 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. It may decline your request for the Service or elect to 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.

Qualifications & exceptions

• Chase's right to restrict, cancel, decline or stop is exercisable at any time in its sole discretion.

Account & Service Control · Company practice

Chase may end or suspend the Service at any time without notice; obligations survive and 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 for use it may deem 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 for all purposes. 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. It may also terminate or suspend its participation in the Service, with the Service Provider or with a particular 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.

Qualifications & exceptions

• No prior notice is required.
• The examples of reasons are introduced with including, so they are not a complete list.
• An account not in good standing is not eligible.

Account & Service Control · Procedure

Questions about the Service go through the contacts on your deposit or card account agreement

If you have questions, disputes or complaints about the Service, or need 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.

Details not recorded for this card

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.

Not stated here

• The deposit or card account agreement is not part of this document, so the contact details cannot be stated here.

Account & Service Control · Restriction or exception

Digital Wallet terms apply when you add or Activate a Chase card in a wallet, including a pre-loaded one

The Terms Applicable To Your Use of Digital Wallets with Chase Cards Addendum, last updated 8/7/2025, applies when you add or Activate an eligible Chase credit or debit card (Chase Card) in a Wallet, meaning 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. Activate means using or choosing to keep an eligible Chase Card that has been pre-populated or automatically provisioned to a Wallet. In these Terms you and your mean the cardholder, and we, us, our and Chase mean JPMorgan Chase Bank, N.A. When you add or Activate a Chase Card in a Wallet, you agree to these Terms.

Supporting quotations

Addendum:

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”).

“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

• The Terms apply when you choose to add or Activate an eligible Chase Card in a Wallet.
• Using or choosing to keep a pre-populated or automatically provisioned card counts as Activating it.

Account & Service Control · Restriction or exception

Only eligible Chase cards in good standing can go in a wallet, including wallets Chase or Paze owns

You can add or Activate an eligible Chase Card in a Wallet either by following Chase's instructions on a Chase platform (the Chase Mobile app or chase.com) or the Wallet Provider's instructions. Wallet Provider means the third party provider of a Wallet, or Chase if it directly provides the Wallet. Chase may provision certain eligible Chase Cards into Wallets it owns or operates and into Wallets such as Paze, owned and operated by Early Warning Services, LLC. Only Chase Cards 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.

Qualifications & exceptions

• A card or underlying account not in good standing is not eligible.
• Other eligibility criteria are in Chase's sole discretion.

Account & Service Control · Restriction or exception

Paze is run by Early Warning Services, and you must accept the Paze Terms of Service to use it

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 for purchases at participating merchants, and the Addendum points to https://chase.com/paze for more information. Other Wallets may have similar requirements to activate your ability to use your Chase Card in them.

Supporting quotations

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

• Using Paze for purchases requires accepting the Paze Terms of Service.

Not stated here

• The Paze Terms of Service and the other Wallets' requirements are not part of this document.

Account & Service Control · Procedure

To remove a card from a wallet, contact the Wallet Provider or use the Chase platform

You should contact the Wallet Provider about how to remove a Chase Card from a Wallet. If the wallet is on a Chase proprietary platform, such as the Chase Mobile app or chase.com, information may be on that platform.

Details not recorded for this card

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.

Account & Service Control · Procedure

Wallet questions go to the Wallet Provider; card questions go to Chase at 1-888-364-7250

For questions, disputes or complaints about a Wallet, contact the Wallet provider using the information the provider gave you. If your question, dispute or complaint is about your Chase Card, contact Chase at 1-888-364-7250. A Spanish line says the page contains information about using your Chase Visa card in digital wallets and, with questions, to call the number on the back of your card, and a closing line says credit and debit card products are provided by JPMorgan Chase Bank, N.A., Member FDIC.

Details not recorded for this card

Supporting quotations

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.

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

Account & Service Control · Context

Transfers Service Addendum covers transfers between your accounts and to External Accounts, last updated June 2026

The Transfers Service 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 it sets out otherwise, and it refers to Section 6 below for that exception. The numbered sections of this Addendum run from 1 to 5, so the reference to a Section 6 does not match a section heading in the document, and this analysis does not decide which section is meant.

Supporting quotations

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

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.

Qualifications & exceptions

• Covers Transfers between your Chase accounts and between a Chase account and an External Account.

Not stated here

• The cited Section 6 does not correspond to a numbered section heading of the Addendum.

Account & Service Control · Restriction or exception

You must follow your other account agreements; Chase decides which accounts and recipients are eligible

You agree to be bound by and comply with other written requirements Chase furnishes for your deposit accounts, credit card accounts and other products accessible through Payments and Transfers, including your deposit account agreement or other terms for your account, credit card, mortgage, auto, installment loan or line of credit. Not all accounts are eligible, and Chase reserves the right to limit eligibility to certain account types and change it from time to time, and to restrict categories of recipients in its sole discretion.

Supporting quotations

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

• Eligibility and recipient categories are in Chase's sole discretion and can change.

Account & Service Control · User right or choice

Investment Account transfers: cancel via app, chase.com or Investment Services; retirement 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 1-800-392-5749. To modify or cancel a recurring distribution from a retirement account, you must call Investment Services at 1-800-392-5749.

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

• Recurring distributions from a retirement account can be modified or cancelled only by phone.

Account & Service Control · Restriction or exception

Internal Transfers need at least two eligible Chase accounts; Chase decides eligibility

Internal Transfers can be used to move funds between your eligible accounts held by Chase. To make them you must have at least two eligible accounts with Chase between which you may transfer money. Chase reserves the right to determine eligibility and to restrict categories of recipients to whom Internal Transfers may be made in its sole discretion.

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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.

Qualifications & exceptions

• At least two eligible Chase accounts are required.
• Eligibility and recipient categories are in Chase's sole discretion.

Account & Service Control · Restriction or exception

External Transfers need an eligible Chase account; Chase decides eligibility and recipients

External Transfers can be used to 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 reserves the right to determine eligibility and to restrict categories of recipients to whom External Transfers may be made in its sole discretion.

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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.

Qualifications & exceptions

• At least one eligible Chase account of the listed types is required.
• Eligibility and recipient categories are in Chase's sole discretion.

Account & Service Control · Restriction or exception

Business customers can add affiliated businesses and link some Consumer Accounts

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 to be linked and the Consumer Account information provided 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 Payments and Transfers for Business Accounts.
• Linking Consumer Accounts requires the same authorized signer and accurate, validated information.

Account & Service Control · Restriction or exception

Zelle is generally available around the clock; enrolling or using it means you agree 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 outages for maintenance and circumstances beyond Chase's or Zelle's control. When you enroll, use or access the Service, or another person or entity legally delegated to act for you does, you agree to the Agreement's terms, and you represent that you have authority to authorize debits and credits to the enrolled bank account.

Supporting quotations

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.

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.

Qualifications & exceptions

• Availability excludes maintenance outages and circumstances beyond the control of Chase or Zelle.

Account & Service Control · Restriction or exception

You need an eligible U.S. account and a Chase checking account to enroll; Chase may designate a replacement account

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, and customers may enroll in Zelle with Chase only with an eligible Chase checking account. If the default From or To Account you designated is inactive or terminated, Chase may, and you authorize it to, designate another eligible and active Chase Account in your profile as your primary From or To Account. You may change the designated accounts at any time subject to 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 transfer between a Chase Account and another Chase Account, or 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.

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).

Qualifications & exceptions

• Enrollment requires an eligible Chase checking account.
• Chase may designate another active Chase Account if your default account is inactive or terminated.
• Eligibility and recipient categories are in Chase's sole discretion.

Account & Service Control · Restriction or exception

Zelle restrictions: U.S. domestic use, lawful purposes, listed payments barred, no shared 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 prohibited under the Agreement. You agree to use it only for lawful purposes consistent with its intended purposes, and not to use it to request, send or receive money from anyone to whom you are obligated for tax payments, court-ordered payments including alimony or child support, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, nor to request money for such payments. You agree not to authorize a third party to use the Service or share your credentials with a third party 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

• You represent that you are a U.S. resident, not including U.S. territories.
• Third party use or credential sharing is allowed only in legally authorized situations such as legal guardianship or power of attorney.

Account & Service Control · Company practice

Chase and Zelle can end, suspend or limit your Zelle use 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 it at any Network Financial Institution that may be deemed illegal, ineligible or improper, inconsistent with network rules, Chase's policies or 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 with including, but not limited to.

Account & Service Control · Restriction or exception

A Chase account not in good standing cannot be used for Zelle

If your Chase Account is not in good standing, that account is not eligible to be used in Zelle transactions.

Supporting quotations

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 · Restriction or exception

Zelle tags: only Chase business users can enroll one; Chase may remove or change any tag and tags are not warranted

The Service may let you use a unique alphanumeric identifier on your User profile, a Zelle tag, instead of your phone number or email 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 enroll a Zelle tag, although consumer Users can send money to and receive payment requests from a User using one. Each tag must have an eligible U.S. mobile phone number associated with it, there is a limit on the number of tags, and a tag must meet the Content Standards and not mislead other Users about your identity. Chase and Zelle have absolute discretion to remove a tag at any time and for any reason without notice, may require you to change it, may make it unavailable to you without liability and may monitor tags to detect and prevent fraud or violations. You may be exposed to an offensive tag, and Chase and Zelle assume no liability for tags or for any representation that a tag identifies a particular User. Chase may limit or terminate the use of its products or services for users who publish content on the Service that is 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.

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.

We and Zelle are not responsible for, and assume no liability, for any User Zelle tags, including any loss or damage caused thereby.

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

• Initially, only Chase Business Account Users can enroll a Zelle tag.
• Each tag needs an eligible U.S. mobile phone number and there is a limit on the number of tags.
• Chase and Zelle may remove or require changes to a tag at any time and for any reason without notice.

Account & Service Control · Restriction or exception

Enrolling in Zelle: a regularly used email and a permanent U.S. mobile number, no landlines, burners or VoIP numbers

You must give Chase an email address you regularly use and intend to keep using, not a disposable address, and a permanent U.S. mobile phone number you intend to use for an extended period, not a burner number, and must immediately update any registered email or number you surrender or stop using. You may not enroll with a home or landline phone number, toll-free number, Google Voice number or Voice over Internet Protocol phone number. To send, request or receive money the User must be enrolled in Zelle at Chase or another Network Financial Institution and have an eligible To Account or From Account, and for transfers between you and another User at J.P. Morgan Chase the accounts must be Chase Accounts. Once enrolled you may authorize a debit of your account to send money at your initiation or in response to a request, and receive money from another User at that User's initiation or in response to your request, subject to the Requesting Money section.

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.”

Qualifications & exceptions

• Landline, toll-free, Google Voice and VoIP numbers cannot be used to enroll.
• Sending and receiving requires enrollment at Chase or another Network Financial Institution and an eligible account.

Account & Service Control · Company practice

After 12 months of Zelle inactivity Chase deactivates your token; at 11 months it may ask you to verify

If while enrolled you do not send or receive money through the Service for twelve consecutive months, Chase deactivates your unused Zelle token(s), after giving you advance notice of the inactivity and potential deactivation, and you may ask to re-enroll them. After eleven months of inactivity Chase may contact you to verify your Zelle token or complete a qualifying activity, such as sending a Zelle payment from the Chase app or Chase online or receiving one with the unused token, or take other steps to confirm the mobile number, email address or Zelle tag you enrolled still belongs to you. If you do not complete verification and Chase cannot confirm you own the number, email or tag, or it receives information that you do not, it may deactivate your tokens and cancel your enrollment, and you cannot send or receive money with the Service until you enroll again.

Supporting quotations

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 will deactivate your unused Zelle token(s). We will give you notice of the inactivity and potential token deactivation in advance as described herein, and you may request to reenroll those tokens after deactivation.

After eleven (11) months of inactivity, we may contact you and request you verify your Zelle token or complete a qualifying activity (such as sending a Zelle payment from your Chase app or Chase online, or receiving a Zelle payment with the unused token(s)) (“verification process”) and/or take other steps to confirm that the U.S. mobile phone number, email address, or Zelle tag (if applicable) that you enrolled as your Zelle token still belongs to you.

If you do not complete the verification process and 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, email address or Zelle tag, then we may deactivate your token(s) and cancel your enrollment in the Service and you will not be able to send or receive money with the Service until you enroll again.

Qualifications & exceptions

• Twelve consecutive months without sending or receiving money triggers deactivation of unused tokens after notice.
• Failing verification can cancel your enrollment until you enroll again.

Account & Service Control · Company practice

Zelle transfers appear on your Chase account statement

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

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Supporting quotations

3. Statements

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

Account & Service Control · Procedure

Cancel Zelle by phone or online; pending and future transfers end, but In Process ones cannot be cancelled

You may cancel the Service by calling 877-CHASEPC (877-242-7372) or online. Cancelling also ends 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 you do not receive a refund of service fees, if any. Cancelling does not cancel your other Online Services or Mobile Services or your account relationships with Chase.

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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

• A transfer that is In Process cannot be cancelled.
• No refund of service fees, if any.

Account & Service Control · Company practice

Chase may end its participation in the Zelle 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.

Account & Service Control · Restriction or exception

Consumer versus business Zelle accounts: personal use only on consumer accounts, extra business terms apply

For Consumer Accounts the Addendum tells you to see your deposit account agreement for important information about your rights and obligations on liability for activity on your account. A consumer account is one used primarily for personal, family or household purposes, and all other accounts are business accounts. You should use your Consumer Account to send or receive payments for personal, family or household purposes and your Business Account for business purposes. If you perform Zelle transactions from Business Accounts enrolled in the Service, the paragraphs beginning Additional Terms Applicable Only to the Service for Business Accounts apply, and Network Bank Accounts are subject to the terms of the Network Financial Institution's agreement.

Supporting quotations

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

• A consumer account is one used primarily for personal, family or household purposes; all other accounts are business accounts.
• Network Bank Accounts follow the Network Financial Institution's own agreement.

Not stated here

• The deposit account agreement and the Network Financial Institution's agreement are not part of this document.