text string | source_page int64 | paragraph_id int64 | char_count int64 |
|---|---|---|---|
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 1 of 30 Effective 6/14/2026 DEPOSIT ACCOUNT AGREEMENT AND PRIVACY NOTICE Thank you for choosing Chase This is your Deposit Account Agreement, or contract, with us. This agreement applies to all Chase personal and business a... | 1 | 1 | 2,221 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 2 of 30 Effective 6/14/2026 Deposit Account Agreement Table of Contents I. Definitions............................................................................................................................................ | 2 | 1 | 8,084 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 3 of 30 Effective 6/14/2026 3. Limits on ATM withdrawals, card purchases, and electronic funds transfers...................................................... 13 4. Receipts and statements...................................... | 3 | 1 | 7,870 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 4 of 30 Effective 6/14/2026 C. Telephone and Electronic Communication.................................................................................................................... 22 D. Fees for Your Account............. | 4 | 1 | 5,387 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 5 of 30 Effective 6/14/2026 Return to Table of Contents Deposit Account Agreement This agreement (“Agreement”) is the contract that governs your account. Whether you have a personal or business deposit account, this documen... | 5 | 1 | 6,014 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 6 of 30 Effective 6/14/2026 1. Solely owned account When only one individual is listed as the owner of an account, we will treat the account as a solely owned account. 2. Joint accounts When two or more people are listed as... | 6 | 1 | 1,752 |
Joint account with rights of survivorship If a joint account has rights of survivorship, and one joint owner dies, the account ownership will be transferred to the surviving joint owners. The estate of the deceased owner will have no rights to the account. If there is more than one surviving joint owner, the account w... | 6 | 2 | 488 |
Joint account with no right of survivorship (also called “tenants in common”) If a joint account does not have rights of survivorship, and one joint owner dies, that owner’s interest passes to the owner’s estate. Either the surviving joint owners or the deceased owner’s estate may withdraw the funds at any time, and w... | 6 | 3 | 500 |
When survivorship rights apply Except as otherwise stated in this paragraph, a joint account has rights of survivorship unless you clearly indicate on the signature card and in the account title that the account is created without these rights. Accounts in Louisiana do not have rights of survivorship. Accounts in Texa... | 6 | 4 | 478 |
If a joint account also contains a “payable on death” or “in trust for” designation, the account always includes a right of survivorship and is payable to the beneficiary only upon the death of the last surviving owner, except as stated in the paragraph below. | 6 | 5 | 261 |
Marital account (Wisconsin only) If one owner of a marital account dies, the survivor is entitled to 50% of the account funds and the estate of the deceased is entitled to the other 50%. If a marital account contains a payable on death designation, the POD beneficiary is entitled to the deceased spouse’s 50% share. Ho... | 6 | 6 | 428 |
Tenants by the entirety (Florida only) A Florida joint account owned solely by two spouses is a “tenants by the entirety” account unless the signature card indicates otherwise. We are not required to determine whether an account is a tenants by the entirety account before responding to a garnishment or other legal pro... | 6 | 7 | 3,683 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 7 of 30 Effective 6/14/2026 7. Uniform Transfers to Minors Act/Uniform Gifts to Minors Act (UTMA/UGMA) account The designated minor is the owner of the funds in the account; including any funds transferred into the account ... | 7 | 1 | 8,209 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 8 of 30 Effective 6/14/2026 If you change your form of ownership or authorized signers, you must notify us when the change occurs. A signer is authorized to endorse checks payable to the business. Endorsements “for deposit”... | 8 | 1 | 6,835 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 9 of 30 Effective 6/14/2026 For purposes of this Agreement, and subject to all other terms hereof, the term “deposit” refers to any instrument or instruction which the bank may, from time to time and in its sole discretion,... | 9 | 1 | 6,649 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 10 of 30 Effective 6/14/2026 If you review your account during the day, you will see that we show some transactions as “pending.” For details, refer to the section “Pending” transactions. These transactions impact your avai... | 10 | 1 | 6,730 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 11 of 30 Effective 6/14/2026 3. Overdraft Fees and interest We are entitled to charge an overdraft fee and/or interest, as applicable, on any paid transaction posted on a business day when your account is overdrawn. If we r... | 11 | 1 | 5,713 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 12 of 30 Effective 6/14/2026 b. Electronic transfers using your account number You may authorize a third party to transfer funds to or from your account by providing your account number and your routing number or your debit... | 12 | 1 | 6,364 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 13 of 30 Effective 6/14/2026 e. Foreign exchange transactions The exchange rate applied to card transactions that occur in a different currency will be selected by the network that processes the transaction. The network wil... | 13 | 1 | 5,602 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 14 of 30 Effective 6/14/2026 5. In case of errors or questions about your electronic funds transfers If you think your statement is wrong, or if you need more information about a transaction listed on it, see the How to Con... | 14 | 1 | 6,861 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 15 of 30 Effective 6/14/2026 For business accounts, your ACH stop payment will either be effective: • Until we have determined that the ACH transaction is no longer occurring, or for 18 months, whichever is longer, or • One... | 15 | 1 | 5,730 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 16 of 30 Effective 6/14/2026 2. Withdrawals and transfers from your account We may subtract from your available balance the amount of any check or other transaction that we receive throughout the day that you or any person ... | 16 | 1 | 7,913 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 17 of 30 Effective 6/14/2026 6. Account numbers on funds transfers If you instruct us to send a funds transfer, such as a wire or ACH, we and every other bank involved in the transfer may rely on any bank number or account ... | 17 | 1 | 6,621 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 18 of 30 Effective 6/14/2026 How do you make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us. You mu... | 18 | 1 | 4,907 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 19 of 30 Effective 6/14/2026 Second business day availability: In some cases, we may not make all of the funds that you deposited by check available by the first business day after the day of your deposit. Funds may not be ... | 19 | 1 | 5,476 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 20 of 30 Effective 6/14/2026 B. Protecting Your Checks You must protect your checks and information from theft and unauthorized use. You must write your checks in a way that prevents someone else from completing, altering o... | 20 | 1 | 6,128 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 21 of 30 Effective 6/14/2026 VI. Managing and Maintaining Your Account A. Interest on Checking and Savings Accounts When you open a checking or savings account that pays interest, we will provide you a rate sheet stating th... | 21 | 1 | 6,237 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 22 of 30 Effective 6/14/2026 4. Linked accounts You may link your qualifying accounts to your checking account to help you avoid some fees and get relationship rates. An account may be linked to only one checking account. W... | 22 | 1 | 7,483 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 23 of 30 Effective 6/14/2026 VII. Maintaining Your Certificate of Deposit (CD) Account A certificate of deposit, or CD, is a deposit account with us for a specified period of time. This disclosure covers both retirement and... | 23 | 1 | 6,137 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 24 of 30 Effective 6/14/2026 We will also waive early withdrawal penalties for retirement CDs under the circumstances described below, regardless of when the early withdrawal is made in relation to the CD opening or a previ... | 24 | 1 | 6,078 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 25 of 30 Effective 6/14/2026 C. Restricting Your Account; Blocking or Delaying Transactions There are many reasons we may decline or prevent transactions to or from your account or otherwise restrict your account, but we ge... | 25 | 1 | 7,388 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 26 of 30 Effective 6/14/2026 You agree that you are responsible for your tax obligations and any funds in, or to be deposited in, your accounts are not proceeds from any criminal activity (including, but not limited to, tax... | 26 | 1 | 7,987 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 27 of 30 Effective 6/14/2026 M. English Language – Other Language Preferences The terms of this Agreement and the products and services we provide are governed by the English language. As a courtesy, we make some of our for... | 27 | 1 | 8,208 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 28 of 30 Effective 6/14/2026 T. Assignment of Agreement and Successors This Agreement, its benefits and responsibilities, will be binding on your personal representative, executors, administrators and successors, and on our... | 28 | 1 | 6,397 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 29 of 30 Effective 6/14/2026 Any question regarding the enforceability or interpretation of this section (“Are class action or representative proceedings allowed to proceed in arbitration proceedings?”) shall be decided by ... | 29 | 1 | 7,986 |
DEPOSIT ACCOUNT AGREEMENT JPMorgan Chase Bank, N.A. Member FDIC © 2026 JPMorgan Chase & Co. Page 30 of 30 Effective 6/14/2026 1. Mass Arbitration Filing Requirements: In addition to the requirements set forth in the AAA Mass Arbitration Supplementary Rules, you agree that upon commencing a case with the AAA, you will ... | 30 | 1 | 6,611 |
December 2025 Facts What does Chase do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.... | 31 | 1 | 2,341 |
Page 2 of 2 PAGE 2 Who we are Who is providing this notice? The U.S. consumer financial companies within the JPMorganChase family, including JPMorgan Chase Bank, N.A., Chase Insurance Agency, Inc., J.P. Morgan Securities LLC, The Infatuation Inc. and the Frosch family of companies, except where a JPMorganChase company ... | 32 | 1 | 3,638 |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.