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DEPOSIT ACCOUNT AGREEMENTAND PRIVACY NOTICEWelcome 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 alwaysget the current agreement at chase.com, a branch or by request when you call us.This is your Deposit Account Agreement (may also be referred to as Account Rules and Regulations), or contract, with us.The 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 account.How to Contact UsWe’re here for you. See below for how to reach us.Personal Accounts:Main phone number:Spanish:International 2-1679chase.comBusiness Accounts:Main phone number:Spanish:International 2-1679chase.com/businessChase Private Client:Main phone number:International m/privateclientChase Mobile or Online Banking: 1-877-242-7372Deaf and Hard of Hearing: We accept operatorrelay callsDEPOSIT ACCOUNT AGREEMENTJPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Electronic Funds Transfers (EFTs): In case of errors or questions about your EFTs, or if you believe yourdebit card has been lost or stolen, call us at 1-866-564-2262 or write:C hasePO Box 659809Internal Mail TX3-7849San Antonio, TX 78265-9109To Dispute Information Reportedto a Consumer Reporting Agency:J PMorgan Chase Bank, N.A.PO Box 182108Internal Mail OHW-1000Columbus, OH 43218All Other Written Correspondence:J PMorgan Chase Bank, N.A.PO Box 659754San Antonio, TX 78265-9754Page 1 of 25Effective 4/18/2021
Deposit Account Agreement Table of ContentsI. Definitions. 5II. Opening Your Account. 5A. Personal Accounts. 51. Solely owned account. 52. Joint accounts. 53. “Payable on death” account. 64. “In trust for” (informal trust) account. 65. Convenience account. 66. Power of attorney. 67. Uniform Transfers to Minors Act/Uniform Gifts to Minors Act account. 68. Representative payee/VA custodian account. 69. Other fiduciary accounts. 7B. Business Accounts. 7III. Using Your Checking or Savings Account. 7A. Adding Money to Your Account. 71. Direct deposits; notice of electronic deposits. 72. Endorsements. 73. Endorsement requirements. 74. Our right to refuse deposits. 75. Our right to charge back deposited or cashed items. 76. Transaction records and receipts. 77. Night depository and large cash deposits. 88. Our responsibility for collecting deposits. 89. Depositing remotely created checks. 8B. Posting Order and Processing. 81. Posting order. 82. ”Pending” transactions. 8C. Overdrafts, Fees and Overdraft Protection. 91. Paying items presented against insufficient funds. 92. Your responsibility to repay overdrafts. 93. Insufficient Funds and Returned Item fees. 94. Overdraft Protection. 9D. Electronic Funds Transfer Service Terms; Payments, Deposits and Transfers You Make or Receive byElectronic Methods. 101. Types of EFT services. 10a. Debit and ATM cards. 10b. Electronic transfers using your account number. 10c. Online banking and Chase Mobile. 10d. Telephone banking. 10e. Transfers for Overdraft Protection. 102. 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. 11e. Foreign exchange transactions. 11DEPOSIT ACCOUNT AGREEMENTJPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 2 of 25Effective 4/18/2021
f. Debit or credit prompts at terminals. 11g. ATM safety and safeguarding your account information. 113. 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. 126. Our liability for failure to complete transactions. 127. Preauthorized (recurring) transfers and stop payments. 128. Disclosure of account information to third parties. 139. Notice of your rights and liabilities. 1310. Fees. 1311. 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. 145. Large cash withdrawals. 146. Stop payments on a check. 147. Account numbers on funds transfers. 158. Savings account withdrawals. 159. Our right to require advance notice of withdrawals. 1510. Check cashing. 1511. Incomplete, future-dated, conditional or stale-dated checks. 1512. Multiple signatures. 1513. Facsimile signatures. 1514. Review of checks and signatures. 1515. Substitute Checks and Your Rights. 15IV. Funds Availability Policy. 16V. Safeguarding Your Information. 17A. Checks and Other Documents You Use. 17B. Protecting Your Checks. 17C. Notice of Errors, Forgeries and Unauthorized Signatures. 17VI. Managing and Maintaining Your Account. 18A. Interest on Checking and Savings Accounts. 18B. Linking Your Accounts; Statements. 181. Linked accounts. 182. Statements and notices. 183. Combined statements. 184. Options for receiving checks. 18C. Telephone and Electronic Communication. 19D. Other Fees for Your Account. 191. Fees. 192. Savings Withdrawal Limit Fee. 19E. Setoff and Security Interest. 19F. Account Alerts and Text Banking. 19VII. Maintaining Your Certificate of Deposit (CD) Account. 19DEPOSIT ACCOUNT AGREEMENTJPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 3 of 25Effective 4/18/2021
VIII. Closing Your Account. 21IX. Other Legal Terms. 21A. Rules Governing Your Account. 21B. General Liability. 21C. Restricting Your Account; Blocking or Delaying Transactions. 21D. Changes to the Agreement. 22E. Our Responsibility to Obtain Personal Information. 22F. Prohibited Activities and Tax Reporting. 22G. Death or Incompetence of Account Owner or Sole Signer. 22H. Adverse Claims. 22I. Authorization to Share Information. 23J. Disputing Information Reported to a Consumer Reporting Agency. 23K. Legal Process and Requests for Information. 23L. Abandoned Property. 23M. English Language — Other Language Preferences.
Check: A written order to pay a specific amount of money drawn on, payable through, payable at or processed by a bank or other depository institution. If a check is sent or returned as an electronic image or as a substitute check, it is still considered a check. Debit card transac
