Chase Deposit Account Agreement (PDF)

1 Deposit Account AGREEMENTJPM organ Chase Bank, Member FDIC 2022 JPMorgan Chase & 1 of 26 Effective 6/12/2022 Deposit Account Agreement AND PRIVACY NOTICEW elcome to ChaseThank you for opening your Account with Chase ; we look forward to serving you. We recommend keeping this Agreement but we regularly update it, so you can always get the current Agreement at , a branch or by request when you call is your Deposit Account Agreement (may also be referred to as Account Rules and Regulations), or contract, with Deposit Account Agreement also includes these separate documents that pertain to our personal and business accounts: Rates for interest-bearing accounts Personal accounts: -Additional Banking Services and Fees (including our Fee Schedule) Business accounts: -Additional Banking Services and Fees (including our Fee Schedule) Any additional disclosures, such as amendments or agreements, that we provide to you either when you open your Account or when we change the terms of your to Contact UsWe re here for you.

2 See below for how to reach Accounts:Main phone number: 1-800-935-9935 Spanish: 1-877-312-4273 International calls: 1-713-262-1679 Website: Accounts:Main phone number: 1-800-242-7338 Spanish: 1-888-622-4273 International calls: 1-713-262-1679 Website: Private Client:Main phone number: 1-888-994-5626 International calls: 1-405-235-4847 Website: Mobile or Online Banking: 1-877-242-7372 Deaf and Hard of Hearing: We accept operator relay callsElectronic Funds Transfers (EFTs): In case of errors or questions about your EFTs, or if you believe your debit card has been lost or stolen, call us at 1-866-564-2262 or write: C h a s e PO Box 659809 Internal Mail TX3-7849 San Antonio, TX 78265-9109To Dispute Information Reported to a Consumer Reporting Agency: JPMorgan Chase Bank, PO Box 182108 Internal Mail OHW-1000 Columbus, OH 43218 All Other Written Correspondence: JPMorgan Chase Bank, PO Box 44945 Indianapolis, IN 46204-4945 Deposit Account AGREEMENTJPM organ Chase Bank, Member FDIC 2022 JPMorgan Chase & 2 of 26 Effective 6/12/2022 Deposit Account Agreement Table of ContentsI.

3 Definitions ..5II. Opening Your Account ..5A. Personal Accounts ..51. Solely owned Joint accounts ..53. Payable on death Account ..64. In trust for (informal trust) Account ..65. Convenience Account ..66. Power of attorney ..67. Supported decision-making Agreement ..68. Uniform Transfers to Minors Act/Uniform Gifts to Minors Act (UTMA/UGMA) Account ..79. Representative payee/VA custodian Account ..710. Other fiduciary accounts ..7B. Business Accounts ..7 III. Using Your Checking or Savings Account ..7A. Adding Money to Your Account ..71. direct deposits ; notice of electronic deposits ..72. Endorsements ..73. Endorsement requirements ..84. Our rights and responsibilities for deposits ..85. Our right to charge back deposited or cashed items ..86. Transaction records and receipts ..87. Night depository and large cash deposits ..88. Depositing remotely created checks ..8B. Posting Order and Processing.

4 81. Posting order ..82. Pending transactions ..9C. Overdrafts, Fees and Overdraft Protection ..91. Paying transactions presented against insufficient funds ..92. Your responsibility to repay overdrafts ..93. Overdraft Fees ..104. Overdraft Protection ..10D. Electronic Funds Transfer Service Terms; Payments, deposits and Transfers You Make or Receive byElectronic Types of EFT services ..10a. Debit and ATM cards ..10b. Electronic transfers using your Account number ..11c. Online banking and Chase Mobile ..11d. Telephone banking ..11e. Transfers for Overdraft Protection ..112. Important information and agreements about your card ..11a. Authorizations and holds ..11b. Overdrafts with your card ..11c. Canceling your card ..11d. Our right to refuse transactions ..12e. Foreign exchange transactions ..12 Deposit Account AGREEMENTJPM organ Chase Bank, Member FDIC 2022 JPMorgan Chase & 3 of 26 Effective 6/12/2022f.

5 Debit or credit prompts at terminals ..12g. ATM safety and safeguarding your Account information ..123. Daily dollar limits on ATM withdrawals and card purchases ..124. Receipts and statements ..125. In case of errors or questions about your electronic funds transfers ..136. Our liability for failure to complete transactions ..137. Preauthorized (recurring) transfers and stop payments ..138. Disclosure of Account information to third parties ..149. Notice of your rights and liabilities ..1410. Fees ..1411. Services not covered by this part; separate agreements ..14E. Other Ways to Use Your Money ..141. When you can withdraw funds you ve deposited ..142. Withdrawals and transfers from your Account ..143. Autosave feature ..144. Transactions in a foreign currency ..155. Large cash withdrawals ..156. Stop payments on a Account numbers on funds transfers ..158. Savings Account withdrawals.

6 159. Our right to require advance notice of withdrawals ..1510. Check cashing ..1611. Incomplete, future-dated, conditional or stale-dated checks ..1612. Multiple signatures ..1613. Facsimile signatures ..1614. Review of checks and signatures ..1615. Substitute Checks and Your Rights ..16IV. Funds Availability Policy ..17V. Safeguarding Your Information ..18A. Checks and Other Documents You Use ..18B. Protecting Your Checks ..18C. Notice of Forgeries, Unauthorized Signatures and other Errors on Your Account Statement ..18VI. Managing and Maintaining Your Account ..18A. Interest on Checking and Savings Accounts ..18B. Linking Your Accounts; Statements ..191. Linked accounts ..192. Statements and notices ..193. Combined statements ..194. Options for receiving checks ..19C. Telephone and Electronic Communication ..19D. Other Fees for Your Account ..201. Fees ..202. Savings Withdrawal Limit Fee.

7 20E. Setoff and Security Interest ..20F. Account Alerts and Text Banking ..20 VII. Maintaining Your Certificate of Deposit (CD) Account ..20 Deposit Account AGREEMENTJPM organ Chase Bank, Member FDIC 2022 JPMorgan Chase & 4 of 26 Effective 6/12/2022 VIII. Closing Your Account ..21IX. Other Legal Terms ..22A. Rules Governing Your Account ..22B. General Liability ..22C. Restricting Your Account ; Blocking or Delaying Transactions ..22D. Changes to the Agreement ..22E. Our Responsibility to Obtain Personal Information ..23F. Prohibited Activities and Tax Reporting ..23G. Death or Incompetence of Account Owner or Sole Signer ..23H. Adverse Claims ..23I. Authorization to Share Information ..23J. Disputing Information Reported to a Consumer Reporting Agency ..23K. Legal Process and Requests for Information ..24L. Abandoned Property ..24M. English Language Other Language Preferences.

8 24N. Referrals ..24O. Special Provisions for Pass-Through Accounts ..24P. Sub-accounts ..24Q. Permitted Time for Filing a Lawsuit ..24R. Location of Legal Proceedings ..25S. Pre-judgment Interest Rate ..25T. Assignment of Agreement and Successors ..25U. No Waiver ..25V. Employee Retirement Income Security Act (ERISA) ..25X. Arbitration; Resolving Disputes ..25 Privacy NoticeDEPOSIT Account AGREEMENTJPM organ Chase Bank, Member FDIC 2022 JPMorgan Chase & 5 of 26 Effective 6/12/2022 Deposit Account AgreementThis Agreement is the contract that governs your you have a personal or business Deposit Account , this document is the basic Agreement between you and us (JPMorgan Chase Bank, or Chase ). By signing a signature card or submitting an Account application, or by using any of our Deposit Account services, you and anyone else identified as an owner of the Account agree to the terms in this Agreement .

9 Customers of some of our business groups, such as Corporate Banking, will get a different Agreement and their accounts will be governed by that Agreement , not this one. If you have a product that is not a Deposit Account , such as a credit card, this Agreement does not apply to that product. Also, other products or services, such as online banking or retirement accounts, may have additional agreements. A more specific Agreement takes precedence over this Agreement also refers to and includes other disclosures we may provide to you, including (1) product information, (2) rate information, (3) banking services and fees, and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts. Products and services as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations.

10 Not all products and services, including check cashing, are offered at all DefinitionsHere are some important terms that we use throughout this Agreement : Account : Any Deposit Account , such as a checking or savings Account , you have with us that is covered by this ( automated clearing house ): ACH, which may also be referred to as automatic payments, are funds transferred to or from your Account through an automated clearing house network. Common examples include direct deposits of payroll, pension or government benefits such as Social ( automated Teller Machine): An electronic device that performs many banking services, which can include withdrawals and balance balance: The amount of money in your Account that you can use right now. You can find this balance on receipts you receive at ATMs, from a banker at a branch, on or Chase Mobile. Here s how we calculate your available balance: We start with your previous end of day balance, Add any pending credit transactions, Subtract any pending debit transactions, deposits that are not available yet for withdrawal, and any holds on your day: Every day except Saturdays, Sundays and federal holidays.