Chase Digital Services Agreement

Security & Safeguards · Restriction or exception

Announced January 1, 2027 change to Section 9 sign-in rules

A notice at the top says that, effective January 1, 2027, Section 9 (Login Credentials and Other Sensitive Information) is updated so Chase may require you to download and use its mobile application and to use a Trusted Device, as the agreement defines it, to verify your identity. Until you do, Chase may deny access to its Digital Platforms, the Services and your accounts, unless an accommodation is required by law. The document is marked as last updated in October 2026, and the same requirement already appears in the Section 9 text, so the notice flags the change rather than adding a separate rule.

Supporting quotations

Effective as of January 1, 2027:

Section 9 – Login Credentials and Other Sensitive Information – has been updated to incorporate that we may require you to (i) download and use our mobile application, and (ii) use a Trusted Device, as defined in this agreement to verify your identity. Until you do, we may deny access to our Digital Platforms, the Services, and your accounts, unless an accommodation is required by law.

we may require you to download and use our mobile application, and use a Trusted Device, as defined in this Agreement, to verify your identity. Until you do, we may deny access to our Digital Platforms, the Services, and your accounts, unless an accommodation is required by law.

Last updated: October 2026

Qualifications & exceptions

• Effective as of January 1, 2027.
• Access can be denied until you download the app and use a Trusted Device, unless an accommodation is required by law.

Not stated here

• The notice does not say whether the Section 9 requirement can be applied before January 1, 2027, even though the text of Section 9 is already in this document.
• What counts as an accommodation required by law is not described.

Cross-references

• refers to (model-proposed): Chase may require the mobile app and a Trusted Device, and may deny access until you comply — The opening notice announces the January 1, 2027 update to Section 9 and the Trusted Device requirement that Section 9 itself already states.

Security & Safeguards · Context

Mobile Services may be unencrypted and delivery can be delayed

You understand and agree that the Mobile Services may not be encrypted and may include personal or confidential information about you, such as your account activity or status. Delivery and receipt of information, including Instructions and other instructions about move money transactions through the Mobile Services, may be delayed or affected by your Internet or Communication Service Providers, other parties or other reasons outside Chase's control. There may also be a disruption when you change your Internet Service Provider or Communication Service Provider.

Supporting quotations

the Mobile Services may not be encrypted and may include personal or confidential information about you, such as your account activity or status. Delivery and receipt of information, including Instructions and/or other instructions regarding move money transactions through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet Service Provider(s), Communication Service Provider(s) or other parties, or because of other reasons outside of our control. You also understand that there may be a disruption in service when you change your Internet Service Provider(s) or Communication Service Provider.

Qualifications & exceptions

• Applies to the Mobile Services, including move money instructions sent through them.

Security & Safeguards · Restriction or exception

No promise the platforms work with your phone; jailbroken devices not allowed

Chase does not warrant that the Digital Platforms or Services will be compatible with your mobile device or carrier, and your use may also be subject to your agreements with your device manufacturer or carrier. You may not use a modified device if the modification is contrary to the manufacturer's software or hardware guidelines, including disabling hardware or software controls, sometimes called jailbroken.

Supporting quotations

We do not warrant that the Digital Platforms or Services will be compatible with your mobile device or carrier. Your use of the Digital Platforms or Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier. You may not use a modified device to use the Digital Platforms or Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls – sometimes referred to as “jailbroken.”

Qualifications & exceptions

• The ban applies to modifications contrary to the manufacturer's software or hardware guidelines.

Security & Safeguards · Restriction or exception

You supply and secure the equipment and software; you accept Internet risks

You are responsible for obtaining, installing, maintaining and operating all Systems needed to access and use the Digital Platforms and Services, including up-to-date web browsers and the best commercially available encryption, antivirus, anti-spyware and Internet security software, and for getting Internet service from the provider of your choice. You acknowledge security, corruption, transmission error and access availability risks of open networks such as the Internet and expressly assume those risks.

Supporting quotations

You are responsible for obtaining, installing, maintaining and operating all Systems necessary for you to access and use the Digital Platforms and Services, up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and Internet security software. You are additionally responsible for obtaining Internet services via the Internet Service Provider of your choice.

You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks.

Qualifications & exceptions

• You expressly assume the risks of using open networks such as the Internet.

Security & Safeguards · Restriction or exception

You are responsible for your Systems' data security; Chase does not support them or answer for their failure

You acknowledge you are responsible for the data security of the Systems you use to access the Digital Platforms and Services and for sending and receiving information on them. You confirm you requested access for your convenience, made your own independent assessment of the Internet and Systems and are satisfied with it. Chase is not responsible for errors or problems from malfunction or failure of the Internet or your Systems, for notifying you of upgrades, fixes or enhancements, or for technical or other support for your Systems.

Supporting quotations

You acknowledge that you are responsible for the data security of the Systems used to access the Digital Platforms and Services, and for the transmission and receipt of information using such Systems. You acknowledge that you have requested to use and access the Digital Platforms and Services for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems, and that you are satisfied with that assessment. We are not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems, nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems.

Qualifications & exceptions

• Chase's non-responsibility covers errors or problems that arise from malfunction or failure of the Internet or your Systems.

Security & Safeguards · Restriction or exception

Third-party software links are not endorsed; do not interfere with the platforms

Chase may link to a third-party site where you can download software but does not endorse any specific software, hardware or Internet Service Provider, and your use of them may also be subject to that provider's EULA or other agreements in addition to this agreement. You will not use the Services in any manner that interferes with the operation of the Digital Platforms or the Services.

Supporting quotations

Although we may provide a link to a third party site where you may download software, we make no endorsement of any specific software, hardware or Internet Service Provider and your use of any such software, hardware or service may also be subject to the EULA or other agreements of that provider, in addition to the terms and conditions of this Agreement.

You will not use the Services in any manner that interferes with the operation of the Digital Platforms or the Services.

Qualifications & exceptions

• Third-party software or services are also subject to that provider's own agreements.

Not stated here

• The third-party EULAs and agreements are not part of this document.

Security & Safeguards · Restriction or exception

Keep login credentials confidential; Chase can change Password rules without notice

To prevent unauthorized access, you agree to protect and keep confidential your login credentials and other sensitive information, including Card numbers, account numbers, PINs, user IDs, Passwords or other means of accessing your accounts through the Digital Platforms or Services. Chase may, at its option, change the parameters for your Password without prior notice, and if it does you must change your Password the next time you access the Digital Platforms or Services.

Supporting quotations

you agree to protect and keep confidential your login credentials and other sensitive information. This includes Card numbers, account numbers, PINs, user IDs, Passwords, or other means of accessing your accounts via the Digital Platforms or Services.

We may at our option change the parameters for your Password without prior notice to you, and if we do so, you will be required to change your Password the next time you access the Digital Platforms or Services.

Qualifications & exceptions

• Chase can change Password parameters without prior notice to you.

Security & Safeguards · Restriction or exception

If you give others your credentials or access, including AI agents, you own their transactions and the data use

Losing your credentials or having them stolen or misused could cost you some or all of the money in your accounts, plus any amount available under your overdraft protection credit line if you have a Business Account, or draws on your credit card account, and could let others use your information for fraud, including identity theft. If you disclose your credentials to anyone, including an employee or agent, you assume all risks and losses from that disclosure. If you allow another person or entity, including data aggregation service providers or agents such as AI agents or agentic AI, to use the platforms or Services with your credentials, or to use the Services once you are logged in, you authorize their transactions and activities and are responsible for transactions from your accounts and for any use of your personal and account information by anyone they pass it to.

Supporting quotations

The loss, theft, or unauthorized use of your login credentials and other sensitive information could cause you to lose some or all of the money in your accounts, plus any amount available under your overdraft protection credit line if you have a Business Account, or draws on your credit card account.

If you disclose your login credentials and other sensitive information to any person or entity, including any employee or agent, you assume all risks and losses associated with such disclosure.

you are authorizing any transactions and activities performed by them or with their assistance and are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by any person or entity to whom they may provide that personal and account information.

Qualifications & exceptions

• The overdraft protection credit line exposure is stated for Business Accounts.
• Responsibility covers anyone to whom the person you authorized provides your information.

Security & Safeguards · Procedure

Tell Chase immediately if you suspect unauthorized access or lost credentials

If you believe someone, or an AI system or other non-human actor, may attempt to use or has used the Digital Platforms or Services to access your accounts without permission, that Passwords or user IDs were lost or stolen, or that other unauthorized use, including Transfers, or a security breach occurred, you agree to notify Chase immediately at 877-CHASEPC (877-242-7372). J.P. Morgan Online clients call 866-265-1727, or 302-634-5115 for international clients.

Supporting quotations

you agree to immediately notify us at 877- CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 866-265-1727 or 302-634- 5115 for international clients).

Qualifications & exceptions

• Different phone numbers apply to J.P. Morgan Online clients and international clients.

Security & Safeguards · Restriction or exception

Credential managers are your choice and Chase takes no responsibility for them

Using credential managers or other services to store or manage your login credentials (for example Passwords and passkeys) is governed by your agreement with that third-party provider. You are solely responsible for choosing and using one. Chase does not endorse, guarantee or assume responsibility for the security or functionality of any such service and is not liable for damages or liabilities related to them.

Supporting quotations

The use of credential managers or other services to store and/or manage your login credentials (e.g., Passwords, passkeys) is governed by your agreement with such third-party service provider. You acknowledge and agree that you are solely responsible for the selection and use of a credential manager or other service to store and/or manage your login credentials. We do not endorse, guarantee or assume responsibility for the security or functionality of any credential manager or other service to store and/or manage your login credentials and we are not liable for any damages or liabilities related to these services.

Not stated here

• The third-party provider's agreement is not part of this document.

Security & Safeguards · Permission or license

Chase can restrict or cut off Agent access at any time without notice

Chase reserves the right to modify its security protocols or API access, or to limit, prevent, suspend or terminate an Agent's access to your accounts, the Digital Platforms or the Services at any time without notice, which may make the third-party Agent non-functional. Additional account-level restrictions may apply.

Supporting quotations

We reserve the right to modify our security protocols or API access or limit, prevent, suspend or terminate access by an Agent to your accounts, the Digital Platforms or the Services at any time without notice, which may render the third-party agent non-functional. Additional account-level restrictions may apply.

Qualifications & exceptions

• Can be done at any time without notice.
• Additional account-level restrictions may apply.

Security & Safeguards · Company practice

Chase may offer biometrics, security keys and passkeys, and may require specific verification methods

Chase may give you the option to enable login credentials or identity verification methods beyond a user ID and Password, such as biometrics, security keys and syncable authenticators like passkeys, for certain Services. It may also require specific identity verification methods, including a Trusted Device, to open, access, manage or transact on your accounts to help keep them safe and prevent identity theft. You are responsible for understanding the requirements for each method, which are given when you are presented with the method and may be in FAQs, and Chase does not endorse, guarantee or take responsibility for the functionality of physical devices such as security keys.

Supporting quotations

We may give you the option to enable login credentials or identity verification methods beyond user ID and Passwords, such as biometrics, security keys, and syncable authenticators (e.g., passkeys) for certain Services on our Digital Platforms. We may also require specific identity verification methods (including Trusted Device) for opening, accessing, managing, or transacting on your accounts to help keep your accounts safe and help prevent identity theft. You are responsible for understanding the requirements for each login credential or identity verification method.

These requirements are provided when you are presented with these credentials or methods, and additional information may also be available in FAQs. We do not endorse, guarantee or assume responsibility for the functionality of physical devices (e.g., security keys) used for authentication.

Qualifications & exceptions

• The options apply to certain Services on the Digital Platforms.
• Chase may require specific methods, including a Trusted Device.

Not stated here

• The FAQs the section mentions are not part of this document.

Security & Safeguards · Restriction or exception

Chase may require the mobile app and a Trusted Device, and may deny access until you comply

To help protect your account from fraud and unauthorized access, Chase may require you to download and use its mobile application and use a Trusted Device, as defined in the agreement, to verify your identity. Until you do, Chase may deny access to the Digital Platforms, the Services and your accounts, unless an accommodation is required by law. You should use only your personal device, one you control and only you use, as your Trusted Device. If you lose access to it, for example if it is lost or stolen, you may need to verify a new one through Trusted Device Enrollment, which could temporarily delay your access or your ability to complete transactions and other banking activities. The notice at the top of the agreement says Section 9 is updated on this point effective January 1, 2027.

Supporting quotations

we may require you to download and use our mobile application, and use a Trusted Device, as defined in this Agreement, to verify your identity. Until you do, we may deny access to our Digital Platforms, the Services, and your accounts, unless an accommodation is required by law.

You should use only your personal device – one you control and only you use – as your Trusted Device.

If you lose access to your Trusted Device (for example, if it is lost or stolen), you may need to verify a new one via Trusted Device Enrollment, as defined in this Agreement, which could temporarily delay your ability to access our Digital Platforms, accounts, or complete transactions and other banking activities.

Qualifications & exceptions

• Access can be denied until you download the app and use a Trusted Device, unless an accommodation is required by law.
• The opening notice dates the Section 9 update to January 1, 2027.

Not stated here

• The definitions of Trusted Device and Trusted Device Enrollment are in the Glossary and are analyzed there.
• The agreement does not say how an accommodation required by law is requested.

Cross-references

• referred to by (model-proposed): Announced January 1, 2027 change to Section 9 sign-in rules — The opening notice announces the January 1, 2027 update to Section 9 and the Trusted Device requirement that Section 9 itself already states.

Security & Safeguards · Restriction or exception

Business user IDs and Passwords belong to the business; report when a representative leaves

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

Supporting quotations

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

Qualifications & exceptions

• Applies to user IDs and Passwords provided to a representative of a business entity.

Security & Safeguards · Procedure

Tell Chase in writing right away about unauthorized use or disclosure of the platforms or Products

You will notify Chase in writing about any unauthorized use or disclosure of the Digital Platforms, Services or Products immediately after it becomes known to you.

Supporting quotations

You will notify us in writing regarding any unauthorized use or disclosure of the Digital Platforms, Services, or Products immediately after it becomes known to you.

Qualifications & exceptions

• Notice is due immediately after the unauthorized use or disclosure becomes known to you.

Security & Safeguards · Restriction or exception

You are responsible for installation, training, maintenance and your own backups and security

Except as otherwise expressly set out in the agreement, you are solely responsible for the installation, training and maintenance of the Digital Platforms, Services and Products. It is your responsibility, and expressly not Chase's, to establish reasonable backups, accuracy checks and security precautions to guard against possible malfunctions, loss of data and unauthorized access.

Supporting quotations

Except as otherwise expressly set forth in this Agreement, you will be solely responsible for the installation, training and maintenance of the Digital Platforms, Services, and Products. It is your (and expressly not our) responsibility to establish reasonable backups, accuracy checks and security precautions to guard against possible malfunctions, loss of data and unauthorized access.

Qualifications & exceptions

• Applies except as otherwise expressly set forth in the agreement.

Security & Safeguards · Context

Glossary: Trusted Device and Trusted Device Enrollment

A Trusted Device is a smartphone that runs a Supported Mobile Operating System and that Chase recognizes as your trusted device after you use its mobile applications and meet its security requirements, which Chase may modify from time to time in its sole discretion. Depending on the circumstances you may meet the requirements by using the mobile applications without additional steps or by completing Trusted Device Enrollment. Trusted Device Enrollment is the steps Chase may require to set up a smartphone as your Trusted Device, which Chase may modify from time to time in its sole discretion. It may include specific identity verification and authentication methods, for example taking a photo of an acceptable form of identification with your smartphone camera, and Chase may prompt you to complete it or you may be able to start it through the mobile applications.

Supporting quotations

"Trusted Device" | A smartphone that (1) runs a Supported Mobile Operating System, and (2) we recognize as your trusted device after you use our mobile applications (for example, the Chase Mobile® app) and meet our security requirements, which we may modify from time to time in our sole discretion. Depending on the circumstances, you may meet our Trusted Device security requirements either by using our mobile applications without additional steps or by completing Trusted Device Enrollment.

"Trusted Device Enrollment" | The steps we may require to set up a smartphone as your Trusted Device, which we may modify from time to time in our sole discretion. This may include specific identity verification and authentication methods (for example, taking a photo of an acceptable form of identification with your smartphone camera). We may prompt you to complete Trusted Device Enrollment or you may be able to start it through our mobile applications.

Qualifications & exceptions

• A Trusted Device must be a smartphone running a Supported Mobile Operating System.
• Chase may change the security requirements and enrollment steps in its sole discretion.

Not stated here

• Whether an identification photo is required in every case is not stated; the Glossary gives it as an example.

Security & Safeguards · Context

Addendum definitions: Account Administrator, Authorized User and IP Security

An Account Administrator is any signer on your Business Account or Consumer Accounts or anyone else you authorize to perform the 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. An Authorized User is a person the Account Administrator designates through the Online Services to access, view and/or transact on all your accounts linked for the Online Services and to communicate with and receive communications from Chase. IP Security is an administrative procedure Chase recommends for each Authorized User in which the Account Administrator registers and maintains the Internet Protocol addresses used by Authorized Users, which Chase uses to help block access from unregistered IP addresses. If adopted, mobile device access works only through a registered IP address and connections over a cellular network such as 4G are blocked.

Supporting quotations

“Account Administrator” means any signer on your Business Account or Consumer Accounts or any other person authorized by you to perform the Account Administrator activities designated herein.

“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

“IP Security” means an administrative procedure which we recommend that you activate and use with respect to each Authorized User

This registration will be used for the purpose of assisting us in blocking access to the Service from unregistered IP addresses. Adoption of IP Security will only allow access to the Service via a mobile device if it is connecting via a registered IP address; connections via a cellular network (e.g., 4G network) will be blocked.

Qualifications & exceptions

• IP Security is recommended, not required.
• Under IP Security, cellular network connections such as 4G are blocked.

Security & Safeguards · Restriction or exception

Security procedures are a commercially reasonable method; Chase may add stricter ones without liability

Chase's security procedures are only to help prevent unauthorized access to your account. To use the ACH Payment Services you must be an active Chase Online and/or Chase Mobile user with a valid user ID and password, must not disclose your user ID, password, one-time code or other identity information to anyone, even someone with access to your accounts, and must activate the services and establish a recipient and the RDFI before scheduling a payment. You acknowledge the security procedures are a commercially reasonable method of making payments. You log in and authenticate with a username and password and may be asked for additional steps such as security questions or one-time codes. Chase may impose stricter security procedures for any transaction but has no obligation to, will not be liable for delays or losses if it does, and is not obliged to impose them in future.

Supporting quotations

Chase security procedures are only to help prevent unauthorized access to your account. You must be an active Chase Online and/or Chase Mobile user with a valid user ID and password to use ACH Payment Services. You should not discuss or disclose your online user ID and password, your one-time code, or any other information that we may use to confirm your identity with any person regardless if they have access to your accounts.

You acknowledge the security procedures for ACH Payment Services are a commercially reasonable method of making payments.

When you use ACH Payment Services, you will log into your Chase Online account and authenticate with a username and password and may, from time to time, be asked to complete additional authentication steps like security questions, one-time codes, and other methods of authentication.

We may impose stricter security procedures for any particular transaction you make under this service, but we have no obligation to do so. If we choose to impose the stricter security procedures, we will not be liable to you for any delays or losses, and we will not be obligated to impose such security procedures in the future.

Qualifications & exceptions

• You acknowledge the security procedures are commercially reasonable.
• Chase has no obligation to impose stricter procedures and is not liable for delays or losses if it does.

Security & Safeguards · Context

Fraud Protection Services are free data-matching tools for business checking accounts

The Fraud Protection Services Addendum, marked For Business Customers Only and last updated 12/11/2025, governs the services, which are data matching services made up of the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service. 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 9 below for that exception. There is no fee for any of the Fraud Protection Services. They are tools you may select for eligible checking accounts to help you manage risks from Items and ACH debits presented against your accounts by deciding which checks are paid or returned unpaid and which ACH debits are allowed or blocked.

Supporting quotations

(For Business Customers Only)

Last updated: 12/11/2025

This Addendum governs your use of the fraud protection services described below (the "Fraud Protection Services," "FPS" or for purposes of this Addendum, the "Service"). Except as otherwise set forth in this Addendum (including Section 9 below), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

The Services are data matching services comprised of the Positive Pay Service, the Reverse Positive Pay Service, and the ACH Debit Block Service. There is no fee for any of the Fraud Protection Services.

For each eligible checking account, you may elect to enroll that account in the ACH Debit Block Service and either the Positive Pay Service or the Reverse Positive Pay Service or neither of them; provided, however, that you may not enroll an account in both the Positive Pay Service and the Reverse Positive Pay Service at the same time.

Qualifications & exceptions

• For each eligible checking account you may enroll in the ACH Debit Block Service and either Positive Pay or Reverse Positive Pay, or neither.
• An account cannot be enrolled in both Positive Pay and Reverse Positive Pay at the same time.

Security & Safeguards · Procedure

Positive Pay: send issue details by 8:00 p.m. ET each day you issue checks, exactly as printed

For a checking account enrolled in Positive Pay, you must give Chase, by 8:00 p.m. ET on the day you issue Items, through Chase Online or another agreed method, the account number, Item serial number (check number), dollar amount and issue date for each Item (the Positive Pay Issuance Information). The service does not compare the Payee name, and the information you provide must be exactly as it appears on the Item.

Supporting quotations

4. The Positive Pay Service

You will provide us, by 8:00 p.m. ET on the day on which you issue Items on a checking account enrolled in the Positive Pay Service, via Chase Online or another mutually agreed upon transmission method, the following issuance information for each Item: (i) account number; (ii) Item serial number (i.e., check number); (iii) dollar amount, and (iv) issue date (collectively, the “Positive Pay Issuance Information”).

The Positive Pay Service does not compare the Payee name. The Positive Pay Issuance Information provided by you must be exactly as it appears on the Item.

Qualifications & exceptions

• Deadline is 8:00 p.m. ET on the day you issue the Items.
• The Payee name is not compared.

Security & Safeguards · Procedure

Positive Pay mismatches: decide by the 4:00 PM branch cutoff or the check may be returned

Chase compares the Positive Pay Issuance Information with the Items presented. If an Item arrives with no issuance information or with information different from what you provided, Chase notifies you through Chase Online or another method on the Business Day after the discrepant Item is presented, with details of any discrepancy in account number, check number or dollar amount. You can view the discrepant Item on Chase Online and must tell Chase by the Positive Pay Service Cutoff Time that same Business Day whether you authorize it for payment (the Positive Pay Presentment Decision). That cutoff is 4:00 PM local time at the branch where the account is maintained, and the section heading states the default decision is Return. If you fail to give a decision by the cutoff, Chase is authorized to return the discrepant Item, unless otherwise agreed in writing, and to charge a returned check fee to your account or any of your other accounts.

Supporting quotations

b. Discrepancies/Default Decision is Return.

We will compare the Positive Pay Issuance Information provided by you with the corresponding information contained on the Items presented to us. If Items are presented to us for which we have not received any Positive Pay Issuance Information or containing information different from the Positive Pay Issuance Information for that Item you provided, we will notify you by means of Chase Online or another transmission method selected by us, on the Business Day following the Business Day on which the discrepant Item is presented to us. We will provide you with information about any discrepancy in the account number, Item serial number (i.e., check number), or dollar amount thereof. You may then view the discrepant Item on Chase Online, and shall advise us via Chase Online or another transmission method selected by us by the Positive Pay Service Cutoff Time on that same Business Day whether you authorize that Item for payment (the “Positive Pay Presentment Decision”).

“Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

In the event that you fail to inform us of your Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we are authorized to return such discrepant Item, unless otherwise agreed to in writing between you and us, and to charge a returned check fee to your account for such Item or to any of your other accounts.

Qualifications & exceptions

• The decision is due by the Positive Pay Service Cutoff Time, 4:00 PM local time at the branch where the account is maintained.
• The default if you do not decide is that Chase may return the Item and charge a returned check fee, unless otherwise agreed in writing.

Not stated here

• The notification is on the Business Day after presentment; the Addendum does not say what happens if you cannot access Chase Online.

Security & Safeguards · Restriction or exception

Chase may rely on Positive Pay instructions it reasonably believes are genuine

Chase is entitled to rely on any instructions it receives from you and reasonably believes to be genuine. If you do not give your Positive Pay Presentment Decision on a discrepant Item by the Positive Pay Service Cutoff Time, Chase is authorized to return the Item, unless otherwise agreed in writing, and to charge a returned check fee to your account or any of your other accounts.

Supporting quotations

We are entitled to rely on any instructions which we receive from you and reasonably believe to be genuine.

In the event that you fail to inform us of your Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we are authorized to return such discrepant Item, unless otherwise agreed to in writing between you and us, and to charge a returned check fee to your account for such Item or to any of your other accounts.

Qualifications & exceptions

• Applies to instructions Chase reasonably believes are genuine.
• Returning a discrepant Item without a decision can be changed only by written agreement.

Security & Safeguards · Procedure

Mark Items not in circulation as void in the issuance data, and use a stop payment if you lack the original

You agree to indicate in the Positive Pay Issuance Information that an Item is void for Items not in circulation. If you do not have the original Item, or have not otherwise destroyed the original Item while in your possession, and you want to stop payment, you must place a stop payment order for that Item.

Supporting quotations

e. Voided Items or Stop Payments. You agree to indicate in the Positive Pay Issuance Information that an Item is void with respect to Items that are not in circulation. If you are not in possession of the original Item (or have not otherwise destroyed the original Item while in your possession) and you wish to stop payment for such Item, then you must place a stop payment order for such Item.

Qualifications & exceptions

• Applies to Items not in circulation.
• A stop payment order is needed if you do not have, or have not destroyed, the original Item.

Security & Safeguards · Procedure

Reverse Positive Pay: Chase tells you the next Business Day about Items above your threshold and you compare them

For each Item on a Reverse Positive Pay account presented for payment in an amount greater than any threshold amount you set, Chase notifies you by the Business Day after presentment, through Chase Online or another agreed method, of the account number, Item serial number and dollar amount (the Reverse Positive Pay Information). You are responsible for comparing that information with your issuance information for each Item. Chase has no liability for any discrepancy for an Item in an amount less than or equal to the threshold you established for the account.

Supporting quotations

5. The Reverse Positive Pay Service.

For each Item drawn on an account enrolled in the Reverse Positive Pay Service and presented to us for payment that is in an amount greater than any threshold amount that you may establish, we will notify you, by the Business Day following presentment of the Item, the following information via Chase Online or another mutually agreed transmission method: (i) your account number; (ii) Item serial number; and (iii) dollar amount (collectively, the “Reverse Positive Pay Information”).

You shall have the responsibility of comparing the Reverse Positive Pay Information with your issuance information for each Item. We shall have no liability for any discrepancy for any Item drawn on an account that is in an amount less than or equal to the threshold amount for that account established by you.

Qualifications & exceptions

• Only Items above the threshold amount you establish are reported.
• Chase has no liability for discrepancies on Items at or below the threshold.

Security & Safeguards · Procedure

Reverse Positive Pay: ask to return a wrong Item by 4:00 PM the next Business Day, or it may be paid

If, from the Reverse Positive Pay Information, you decide an Item should not be paid, you must initiate through Chase Online or another method a request to return it by the Reverse Positive Pay Service Cutoff Time on the Business Day after presentment, giving the account number, Item serial number and dollar amount. That cutoff is 4:00 PM local time at the branch where the account is maintained. Chase may rely on any decision it reasonably believes is genuine. The section heading states the default decision is Pay, and failing to review the Information or to submit a decision by the cutoff may result in the Item being paid unless Chase agrees otherwise in writing. Another part of the Addendum states that if Chase gets no Reverse Positive Pay decision by the cutoff it may pay the Item.

Supporting quotations

b. Discrepancies/Default Decision is “Pay.” If, on the basis of the Reverse Positive Pay Information provided to you, you determine that an Item presented to us should not be paid, then, you will initiate, by means of Chase Online or another transmission method selected by us, by the Reverse Positive Pay Service Cutoff Time on the Business Day after the Business Day of presentment of an Item to us, a request to return the discrepant Item (the “Reverse Positive Pay Presentment Decision”).

We are entitled to rely upon any Reverse Positive Pay Presentment Decision which we receive and which we reasonably believe to be genuine.

Your failure to review our transmission of Reverse Positive Pay Information or failure to initiate a Reverse Positive Pay Presentment Decision by the Reverse Positive Pay Service Cutoff Time for any Item may result in the payment of any such Item unless otherwise agreed to in writing by us.

“Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

if we do not receive any Reverse Positive Pay Presentment Decision with respect to any Item by the Reverse Positive Pay Service Cutoff Time, we may pay any such Item.

Qualifications & exceptions

• The return request is due by the Reverse Positive Pay Service Cutoff Time, 4:00 PM local branch time, on the Business Day after presentment.
• The default if you do not decide is that the Item may be paid, unless Chase agrees otherwise in writing.

Security & Safeguards · Restriction or exception

Reverse Positive Pay gives little or no protection against over-the-counter cashing

If an Item on a Reverse Positive Pay account is presented for encashment at a Chase branch, you authorize Chase to pay it as long as it follows its usual and customary over-the-counter encashment procedures, as amended from time to time. Chase may charge a person who cashes an Item on your account a fee if that person is not a Chase customer. You unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against Losses in connection with a third party claim arising from an Item being cashed over-the-counter, including Chase's refusal to cash any Item. You acknowledge and agree that Reverse Positive Pay may provide little, or no, protection for over-the-counter presentment at branches.

Supporting quotations

d. Over-the-Counter Presentment for Encashment. If an Item on any account enrolled in the Reverse Positive Pay Service is presented for encashment at one of our branch locations, you authorize us to pay the Item as long as we follow our usual and customary over-the-counter encashment procedures (as amended from time to time).

We may charge a person who cashes an Item drawn on your account a fee if that person is not our customer.

You agree to unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in connection with any third party claim resulting or arising from an Item being cashed over-the-counter, including our refusal to cash any Item.

You acknowledge and agree that the Reverse Positive Pay Service may provide little, or no, protection to you with respect to Item presentment over-the-counter for encashment at our branches.

Qualifications & exceptions

• Applies to Items on Reverse Positive Pay accounts presented for encashment at a Chase branch.
• Chase follows its usual and customary over-the-counter procedures, which can be amended from time to time.

Not stated here

• The usual and customary over-the-counter encashment procedures are not described in this document.

Security & Safeguards · Restriction or exception

ACH Debit Block allows only originators you name; you supply the correct ACH Company ID

Once you enroll an account in the ACH Debit Block Service, Chase allows only originators you designate as Authorized Originators to post ACH debits to it. You are solely responsible for giving Chase all necessary and correct information to add an Authorized Originator, namely the ACH Company ID, and Chase is not liable for any transaction it blocks or fails to block based on the information you provide; you should confirm the ACH Company ID with each originator before adding it. An Authorized Originator is an ACH Company ID you have authorized, and any originator not designated is a Blocked Originator, and Chase blocks all its attempts to post ACH debits. For example, the Internal Revenue Service and other taxing authorities are Blocked Originators unless you expressly authorize them. If you remove the service from an account, any originator can post ACH debits to it as before you enrolled.

Supporting quotations

Upon enrollment in the ACH Debit Block Service, we will only allow originators that you designate as an Authorized Originator to post ACH debits to account(s) that you enroll. You are solely responsible for providing us with all of the necessary and correct information to add an Authorized Originator, namely, the ACH Company ID, and we will not be liable for any transaction that we block or fail to block based on the information provided by you. You should confirm the ACH Company ID with each intended Authorized Originator before adding them.

IF YOU REMOVE THE ACH DEBIT BLOCK SERVICE FROM ANY ACCOUNT, ANY ORIGINATOR WILL BE ABLE TO POST ACH DEBITS TO THAT ACCOUNT, AS THEY WOULD HAVE BEEN ABLE TO DO BEFORE YOU ENROLLED THAT ACCOUNT IN THE ACH DEBIT BLOCK SERVICE.

Upon enrollment in the ACH Debit Block Service, we will block all attempts to post ACH debits to your account by all originators not designated as an Authorized Originator. For clarity, any originator not designated as an Authorized Originator by you is a Blocked Originator. To illustrate, the Internal Revenue Service as well as other taxing authorities will be Blocked Originators unless you expressly authorize them as Authorized Originators.

“Authorized Originator” refers to an ACH Company ID that you have authorized to post ACH debits to your account.

“Blocked Originator” refers to an ACH Company ID that you have not authorized to post ACH debits to your account.

Qualifications & exceptions

• Chase is not liable for transactions it blocks or fails to block based on the ACH Company ID you provide.
• Taxing authorities such as the IRS are blocked unless you authorize them.
• Removing the service from an account re-opens it to any originator.

Security & Safeguards · Procedure

ACH Debit Block review option: you decide per debit by 9:00 PM ET, otherwise your general instruction applies

When the review feature is enabled and you use it, you can review and override your existing instructions to block or unblock certain ACH transactions. Chase presents information on eligible ACH debits attempted against your enrolled accounts so you can decide per transaction whether to pay or return each, but cannot guarantee all eligible debits will be presented and is not liable for any failure to present them. You must give instructions in the provided interface by the ACH Debit Block Service Cutoff Time, defined as 9:00 PM ET, or Chase processes the debit per your general Instruction. Chase may rely on any Instruction it reasonably believes genuine, and may process a debit under your existing instructions if you take no action or your override instruction is defective or untimely. The review option is automatically enabled for new enrollments and can be disabled on the settings tab, and for existing enrollments it can be enabled or disabled there where available.

Supporting quotations

When enabled, ACH Debit Block allows you to review and override your existing instructions to block or unblock certain of your ACH transactions being processed.

We will present you with information on eligible ACH debits that are attempted to be withdrawn from your enrolled Accounts to enable you to decide on a per transaction basis whether to pay or return each attempted ACH debit. We cannot guarantee that all eligible ACH debits will be presented to you. We have no responsibility for, and shall not be liable to you in connection with, any failure to present such information;

You must provide your instructions using the interface provided for ACH Debit Block Service by the ACH Debit Block Service Cutoff Time.

“ACH Debit Block Service Cutoff Time” refers to 9:00 PM ET.

We are entitled to rely on any Instruction which we receive from you and reasonably believe to be genuine; and

We are authorized to process an ACH debit in accordance with your existing instructions if you take no action to override your instructions, or your instructions to override are defective or untimely.

The option to review will be automatically enabled for new enrollments but can be disabled on the FPS settings tab.

Qualifications & exceptions

• The decision is due by 9:00 PM ET, the ACH Debit Block Service Cutoff Time.
• Chase cannot guarantee that all eligible ACH debits will be presented to you.
• Defective or untimely override instructions are not honored.

Security & Safeguards · User right or choice

Transaction Limits cap debits from an Authorized Originator; unset limits follow ACH operating rules

A Transaction Limit is the maximum amount of a single ACH debit that can be posted to your account, and you may set one for an individual Authorized Originator. If you set one, Chase allows that originator to post ACH debits up to the limit and blocks the full amount of any debit over the limit. If you do not set a Transaction Limit for an Authorized Originator, that originator may debit your account up to the limit established by the ACH operating rules. You may apply a Transaction Limit for each Authorized Originator per enrolled account.

Supporting quotations

c. Transaction Limit. If you set a Transaction Limit for any Authorized Originator, we will:

(i) allow that Authorized Originator to post ACH debits to your account up to the Transaction Limit you set for that Authorized Originator; and (ii) block the full amount of an ACH debit any Authorized Originator attempts to post to your account if the ACH debit is over the applicable Transaction Limit.

If you do not set a Transaction Limit for an Authorized Originator, that Authorized Originator may debit your account up to the limit established by the ACH operating rules. You may elect to apply a Transaction Limit for each of the Authorized Originators per enrolled account.

“Transaction Limit” refers to the maximum amount of a single ACH debit that can be posted to your account.

Qualifications & exceptions

• A debit over the limit is blocked in full, not just the excess.
• Without a Transaction Limit the ACH operating rules' limit applies.

Not stated here

• The ACH operating rules' limit is not stated in this document.

Security & Safeguards · Restriction or exception

ACH Debit Block does not stop Chase's own corrections, offsets, reversals, fees and older debits

The ACH Debit Block Service does not block certain ACH transactions: debits to your account that offset ACH credit entries you originated through Chase; reversals of previously received ACH credit entries; returns or reversals by the RDFI of ACH debit entries you originated through Chase; reclamation entries; debits Chase or its agent or affiliate initiates to correct processing errors, effect back valuations or make other adjustments, or for fees, charges or other amounts you owe Chase or its affiliate; debits Chase posts under its internal procedures to comply with applicable law, rules and regulations, including payment system rules or guidance; and debits for any transaction originated before you enrolled in the service.

Supporting quotations

d. Transactions Not Affected by Blocking. This ACH Debit Block Service does not apply to certain transactions.

Debits to your account to offset any ACH credit entries originated by you through us;

Reversals of previously-received ACH credit entries;

Returns or reversals by the RDFI of ACH debit entries originated by you through us;

Reclamation entries (debits);

Debits to your account initiated by us or our agent or affiliate to correct processing errors, effect back valuations, or make other adjustments, or for fees, charges, or other amounts you owe us or our affiliate;

Debits to your account that we post pursuant to our internal procedures in order to comply with applicable law, rules, and regulations (including payment system rules or guidance); and

Debits to your account for any transaction originated before you enrolled in the ACH Debit Block Service.

Qualifications & exceptions

• The seven listed types of ACH transactions are not blocked.
• Debits for transactions originated before enrollment are not blocked.

Security & Safeguards · Restriction or exception

Chase can override your ACH debit decisions for insufficient funds, stop payments, fraud, legal reasons or outages

Chase may override your ACH debit decisions and take a different action on your behalf in certain circumstances. It may return an ACH debit you approved if there are insufficient funds in your account to cover it, a stop payment was previously placed on the transaction, Chase determines the transaction must be returned for fraud, risk-management, legal or regulatory reasons, or the Service is unavailable. Chase may also process certain ACH debits you decided to return, including debits it processes under its internal procedures, to comply with any legal requirement, payment system rule or guidance.

Supporting quotations

e. We may override your ACH debit decisions and take a different action on your behalf under certain circumstances as listed below.

i. We may override your ACH debit instructions and return certain ACH debits you approve if:

there are insufficient funds in your Account to cover the ACH debit;

a stop payment was previously placed on the transaction;

we determine the transaction must be returned for fraud, risk-management, legal, or regulatory reasons; or

the Service is unavailable.

ii. We may override your ACH debit instructions and process certain ACH debits you decide to return, including ACH debits we process per our internal procedures, to comply with any legal requirement, payment system rule or guidance.

Qualifications & exceptions

• Four listed reasons allow Chase to return a debit you approved.
• Chase may process a debit you decided to return where needed to comply with a legal requirement, payment system rule or guidance.

Security & Safeguards · Company practice

In an outage Chase may extend cutoffs or use alternatives but need not; unmade decisions default as stated

If there is a disruption of the Digital Platforms generally or the Fraud Protection Services specifically, Chase may, but is not obliged to, extend applicable Cutoff Times, send Positive Pay Information and Reverse Positive Pay Information to you by fax or email, and designate alternative procedures for using the services and for receiving issuance information and presentment decisions. You should call Chase Online Customer Service at 877-CHASEPC (877-242-7372) with any question or concern or if the services are unavailable. Notwithstanding anything else in the section, if Chase receives no Positive Pay decision on a discrepant Item by the Positive Pay Service Cutoff Time it may return the Item, and if it receives no Reverse Positive Pay decision on an Item by the Reverse Positive Pay Service Cutoff Time it may pay the Item.

Supporting quotations

7. Unavailability of Service/Alternative Service

In the event of a service disruption involving the Digital Platforms, generally, or the Fraud Protection Services, specifically, we may, but shall not be obligated to, extend applicable Cutoff Times, or to fax, email or otherwise send Positive Pay Information and/or Reverse Positive Pay Information to you, and we may, but shall not be obligated to, designate alternative procedures for utilization of the Fraud Protection Services and for us to receive Positive Pay Issuance Information, Positive Pay Presentment Decisions, and Reverse Positive Pay Presentment Decisions. You should call Chase Online Customer Service at 877-CHASEPC (877-242-7372) with any question or concern, or if the Fraud Protection Services are unavailable.

Notwithstanding anything to the contrary contained in this Section: (a) if we do not receive any Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we may return such discrepant Item, and (b) if we do not receive any Reverse Positive Pay Presentment Decision with respect to any Item by the Reverse Positive Pay Service Cutoff Time, we may pay any such Item.

Qualifications & exceptions

• Extending cutoffs or providing alternatives is at Chase's option, not an obligation.
• The default outcomes are return for Positive Pay and pay for Reverse Positive Pay.

Security & Safeguards · Context

Fraud Protection Services definitions: cutoff times, originators, services and Transaction Limit

In this Addendum, ACH Company ID is the ID for an originator as it appears on the originator's company/batch header record, and the ACH Debit Block Service refers to the services in Section 6. The ACH Debit Block Service Cutoff Time is 9:00 PM ET, and the Positive Pay and Reverse Positive Pay Service Cutoff Times are each 4:00 PM local time at the branch office where the account is maintained. Cutoff Times means those three cutoff times. An Authorized Originator is an ACH Company ID you have authorized to post ACH debits to your account and a Blocked Originator is one you have not. The Positive Pay Service refers to the services in Section 4 and the Reverse Positive Pay Service to those in Section 5. A Transaction Limit is the maximum amount of a single ACH debit that can be posted to your account, and you may set one for an individual Authorized Originator.

Supporting quotations

9. Definitions

“ACH Company ID” refers to the ACH Company ID for an originator, as it appears on that originator’s company/batch header record.

“ACH Debit Block Service” refers to the services described in Section 6 of this Addendum.

“ACH Debit Block Service Cutoff Time” refers to 9:00 PM ET.

“Authorized Originator” refers to an ACH Company ID that you have authorized to post ACH debits to your account.

“Blocked Originator” refers to an ACH Company ID that you have not authorized to post ACH debits to your account.

“Cutoff Times” refers to the ACH Debit Block Service Cutoff Time, the Positive Pay Service Cutoff Time, and the Reverse Positive Pay Service Cutoff Time.

“Positive Pay Service” refers to the services described in Section 4 of this Addendum.

“Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

“Reverse Positive Pay Service” refers to the services described in Section 5 of this Addendum.

“Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

“Transaction Limit” refers to the maximum amount of a single ACH debit that can be posted to your account. You may set a Transaction Limit for an individual Authorized Originator.

Qualifications & exceptions

• ACH Debit Block: 9:00 PM ET; Positive Pay and Reverse Positive Pay: 4:00 PM local time at the branch where the account is maintained.

Security & Safeguards · Company commitment

Only wire money to people you know; a sent wire may not be recoverable

The Addendum warns you to wire money only to people you know or recipients you have verified and to be aware of wire scams, because once the wire is sent you may not be able to recover your money. It lists signs of a scam: the requestor sends wire instructions by email (for example for a loan closing, where you should always verify the details by phone), contacts you unexpectedly, claims there is an emergency, pressures you to pay immediately, accepts only wires, gift cards or crypto currency, tells you to keep it secret or how to answer questions at the bank, makes an offer that sounds too good to be true, or asks for your personal information.

Details not recorded for this card

Supporting quotations

1. Protect Yourself Against Wire Scams

Only wire money to people you know or recipients you have verified. Be aware of wire scams, because once the wire is sent, you may not be able to recover your money.

Know the signs of a scam. The requestor:

Sends you wire instructions via email (ex. loan closing – always verify details by phone)

Contacts you unexpectedly

Claims there is an emergency

Pressures you into paying immediately

Only accepts payments via wire, gift cards, or crypto currency

Tells you to “keep it secret” or instructs you “how to answer questions at the bank”

Makes an offer or opportunity that sounds too good to be true

Asks for your personal information

Qualifications & exceptions

• Once a wire is sent you may not be able to recover the money.

Security & Safeguards · Context

Examples of common wire scams: imposters, romance, family emergency, lottery, investment and tech support

The Addendum gives examples of known common wire scams: an imposter claiming to be from the IRS who says you owe back taxes and will be sued if you do not pay immediately; a romance or new friend scam asking you to send money for travel; a family emergency scam, such as a call from a supposed grandchild needing money fast; lottery winnings where you must pay taxes before a payout; an investment opportunity promising a big payout; and tech support, claiming malware on your computer and asking for a small fee.

Details not recorded for this card

Supporting quotations

Known Common Wire Scams:

Imposter: “I’m with the IRS, and you owe back taxes. If not paid immediately, a lawsuit will be filed against you.”

Romance / New Friend: “I want to meet you in person, but I can’t afford to travel. Can you send me money?”

Family Emergency: “Grandma, I’m in trouble – I need money fast.”

Lottery Winnings: “Congratulations! You’ve won the lottery! We will need to collect taxes prior to your payment.”

Investment Opportunity: “This is a once-in-a-lifetime opportunity with a big payout!”

Tech Support: “We’ve detected malware on your computer. Let’s get that fixed for you for a small fee.”

Security & Safeguards · Restriction or exception

You answer for any wire sent under the security procedures, whether or not you authorized it

The security procedures are only to help prevent unauthorized access to your account. You must be an active Online Services and/or Mobile Services user with a valid user ID and Password to use the service and must not disclose your user ID, Password, one-time code or other identity information to anyone, even someone with access to your accounts. You acknowledge that Chase offers funds transfer services in person at branches with a higher level of security, which you can use instead, and that the security procedures are a commercially reasonable method of verifying your funds transfer. You are responsible for any funds transfer issued in your name using these procedures, whether or not you actually authorized the transfer. You must activate the service and establish a recipient and the recipient's financial institution before scheduling a transfer, and you authenticate with a username and password and may be asked for further steps such as security questions or one-time codes.

Supporting quotations

3. Security Procedures

These security procedures are only to help prevent unauthorized access to your account. You must be an active Online Services and/or Mobile Services user with a valid user ID and Password to use FTS. You should not discuss or disclose your online user ID and Password, your one-time code, or any other information that we may use to confirm your identity with any person regardless if they have access to your accounts.

You acknowledge that we offer funds transfer services in person at our branches that provide a higher level of security for your accounts, and you can use this option instead. You acknowledge the security procedures for FTS are a commercially reasonable method of verifying your funds transfer.

You are responsible for any funds transfer issued in your name using these security procedures, whether or not you actually authorized the transfer.

You are required to activate FTS prior to using this service. Prior to scheduling a transfer, you must establish a recipient and the financial institution that holds the recipient account. When you use this service, you will authenticate with a username and password and may, from time to time, be asked to complete additional authentication steps like security questions, one-time codes, and other methods of authentication.

Qualifications & exceptions

• You are responsible for transfers issued in your name using the security procedures, whether or not you actually authorized them.
• A branch option with higher security is available instead.

Security & Safeguards · Company practice

Chase may add stricter wire security, such as a trusted device, with no obligation and no liability

Chase may impose stricter security procedures for any particular funds transfer you make, including requiring a trusted device as defined in the deposit account agreement, but has no obligation to do so. If it imposes them, it is not liable to you for any delays or losses and is not obliged to impose them in future.

Supporting quotations

We may impose stricter security procedures for any particular funds transfer you make under this service, including requiring the use of a trusted device (as defined in the deposit account agreement), but we have no obligation to do so. If we choose to impose the stricter security procedures, we will not be liable to you for any delays or losses, and we will not be obligated to impose such security procedures in the future.

Qualifications & exceptions

• Chase has no obligation to impose stricter procedures and is not liable for delays or losses when it does.

Not stated here

• The deposit account agreement's definition of a trusted device is not part of this document.

Security & Safeguards · Restriction or exception

Keep P3 credentials confidential; disclosing them authorizes others and you bear the losses

You agree any information you give Chase to use P3 will be complete and accurate and that you will keep the passwords, PINs and user IDs that enable access to P3 (P3 Credentials) confidential. If you disclose P3 Credentials to anyone you authorize that person or entity to transact on your behalf as if an authorized user of your Chase P3 Cards, and you assume all risks and losses from the disclosure. If you permit anyone to access or use your P3 Credentials you authorize any transactions and activities they perform. You must notify Chase immediately if any P3 Credential is lost, stolen, forgotten or compromised.

Supporting quotations

You agree that any information you provide to us to use P3 will be complete and accurate. You will keep any passwords, PINs and/or user IDs that enable you to access P3 (“P3 Credentials”) confidential.

If you disclose your P3 Credentials to any person(s) or entity, you are authorizing that person or entity to transact on your behalf as if they were an authorized user of your Chase P3 Cards, and you assume all risks and losses associated with such disclosure.

Notify us immediately if any of your P3 Credentials is lost, stolen, forgotten, or compromised.

Qualifications & exceptions

• You assume all risks and losses associated with disclosing P3 Credentials.

Security & Safeguards · Restriction or exception

Real-Time Payments cannot be reversed: pay only people you know and verify payment requests

There are risks associated with the Real-Time Payments Service: Service Transfers are irrevocable and cannot be reversed, and you should only use it to pay Persons you know. If you receive a request for payment, you should verify it relates to a payment you expected to make to the requester, and if it does not you should notify Chase at 877-CHASEPC (877-242-7372), or 877-840-0723 for J.P. Morgan Online clients. If someone contacts you outside the service asking for payment, you should verify the requestor's identity, legitimacy and contact information and the amount before submitting a Service Transfer Request. If you pay a Person you do not know, or do not verify the identity and legitimacy of people who ask for payment, you may lose the full amount.

Supporting quotations

3. Risks Associated with the Real-Time Payments Service

There are risks associated with using the Real-Time Payments Service. Service Transfers are irrevocable and cannot be reversed. You should only use the Real-Time Payments Service to make payments to Persons that you know.

If you receive a request for payment through the Real-Time Payments Service, you should verify that the request relates to a payment you were expecting to make to the Person who requested payment. If a request for payment that you receive through the Real-Time Payments Service does not relate to a payment you were expecting to make to the Person who requested payment, please notify us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 877-840-0723).

If a Person contacts you outside of the Real-Time Payments Service and asks for payment, you should verify the identity, legitimacy and contact information of the requestor and the amount of the payment prior to submitting a Service Transfer Request. If you send payment to a Person that you do not know, or you do not verify the identity and legitimacy of Persons who contact you and ask for payment, you may lose the full amount of your payment.

Qualifications & exceptions

• Service Transfers are irrevocable and cannot be reversed.
• You may lose the full amount if you pay someone you do not know or do not verify a requester.

Security & Safeguards · Restriction or exception

Zelle payments from social media contacts: not for buying goods, may be delayed or declined, and Chase may question you

To help protect you from fraud and scams, Zelle should be used for payments between friends, family and others you trust, and not to pay for goods from recipients you are not familiar with. The Service is not intended for buying goods from retailers or merchants, including on or through social media, social media marketplaces or messaging apps, and neither Chase nor Zelle offers purchase protection for non-receipt, damage or not-as-described claims. If you send a Zelle payment identified as originating from contact through social media, Chase may, in its discretion, delay, decline or block it. Chase may ask for the purpose of the payment, the method of contact with your recipient or other details to assess elevated fraud or scam risk, and you agree to provide them. It may decline payments, restrict your Zelle use or take other actions in your account agreement if you do not answer truthfully or otherwise engage in risky use, including alleged deceit, fraud or material misrepresentations. Failing to delay, decline or block an ineligible payment does not waive its right to do so later.

Supporting quotations

vi. Using Zelle through Chase to send payments identified as originating from contact through Social Media:

To help protect you from fraud and scams, the Zelle Service should be used for payments between friends, family, and others you trust and should not be used to pay for goods from recipients with whom you are not familiar. The Service is not intended, and should not be used, for the purchase of goods from retailers, merchants, or the like, including on or through social media or social media marketplaces or messaging apps. Neither we nor Zelle offer purchase protection for non-receipt, damage, or "not as described" claims related to the purchase of goods and/or services.

If you are sending a Zelle payment from your Chase account that is identified as originating from contact through social media, we may, in our discretion delay, decline or block that payment.

We may request information from you (for example, when you set up a payment or add a recipient) regarding your purpose of payment, the method of contact with your recipient, or other details we deem appropriate to assess whether your payment has elevated fraud or scam risk, or is an illegal, ineligible or improper payment. You agree to provide the requested information if asked.

We may in our discretion decline payments, restrict your use of Zelle® through Chase, or take other actions as described in your account agreement if you do not respond truthfully to questions we ask or if you otherwise engage in risky use of the Zelle Service

Any failure to delay, decline or block an ineligible payment does not constitute a waiver of our right to so do for future payments.

Qualifications & exceptions

• Applies to payments identified as originating from contact through social media.
• Chase may delay, decline or block these payments in its discretion.
• You agree to provide the information Chase asks for about the payment.