Privacy & Security Policy
Effective Date: January 1, 2025 | Last Updated: March 1, 2025
1. Information We Collect
We collect information to provide banking services, comply with legal obligations, and improve your experience. This includes:
- Personal identifiers: full name, date of birth, Social Security Number, government-issued ID
- Contact information: address, phone number, email address
- Financial information: account numbers, transaction history, credit history, income
- Device and usage data: IP address, browser type, pages visited, login timestamps
- Communications: records of correspondence with customer service
2. How We Use Your Information
We use collected information for the following purposes:
- Processing transactions and managing your accounts
- Verifying your identity and preventing fraud
- Complying with applicable laws and regulations (including BSA/AML obligations)
- Communicating with you about your accounts and our products
- Improving and personalizing our services
- Conducting research, analytics, and reporting
3. Information Sharing
We may share your information with:
- Affiliated companies within the JPMorgan Chase family of businesses
- Service providers who support our operations (subject to strict confidentiality agreements)
- Regulatory authorities, law enforcement, or courts when required by law
- Credit bureaus and fraud prevention agencies
We do not sell or rent your personal information to unaffiliated third parties for marketing purposes.
4. Data Security
We protect your information using industry-standard measures including 256-bit TLS encryption for data in transit, AES-256 encryption for data at rest, multi-factor authentication, continuous fraud monitoring, and strict employee access controls.
5. Your Rights & Choices
Depending on your jurisdiction, you may have rights to access, correct, or delete your personal data. To exercise these rights, contact us via secure message in online banking or call the number on the back of your card.
6. Data Retention
We retain your information for as long as your account is active and for a period thereafter as required by applicable law, typically seven (7) years for financial records.
7. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of material changes by posting a notice in online banking or sending a communication to your registered email address.
Terms of Use
Effective Date: January 1, 2025 | Last Updated: March 1, 2025
By accessing or using JPMorgan Chase Bank's online banking platform, website, or mobile application, you agree to be bound by these Terms of Use. Please read them carefully.
1. Eligibility
You must be at least 18 years of age and a lawful resident or citizen of the United States to open an account or use our online banking services. Use of our platform by minors without parental consent is prohibited.
2. Account Responsibilities
- You are responsible for maintaining the confidentiality of your username and password
- You must notify us immediately of any unauthorized account access or suspicious activity
- You agree not to share your login credentials with any third party
- You are responsible for all transactions initiated through your account
3. Permitted Use
Our platform is provided solely for personal or business banking activities. You agree not to:
- Use the platform for any unlawful purpose or in violation of applicable regulations
- Attempt to gain unauthorized access to any system or data
- Transmit malicious code, viruses, or disruptive software
- Use automated tools, bots, or scrapers to access the platform
- Impersonate any person or entity
4. Electronic Communications
By using our online banking platform, you consent to receive account statements, notices, disclosures, and other communications electronically. You may opt out of electronic delivery by contacting customer support, though some communications required by law must be delivered electronically.
5. Transfers and Payments
Transfer requests submitted before the daily cutoff time of 5:00 PM Eastern Time on a business day will generally be processed the same business day. We reserve the right to delay, hold, or refuse transactions that trigger fraud prevention protocols or regulatory obligations.
6. Limitation of Liability
To the extent permitted by law, JPMorgan Chase Bank shall not be liable for indirect, incidental, special, or consequential damages arising from use of our platform, including but not limited to loss of data, profits, or business opportunity.
7. Termination
We may suspend or terminate your access to online banking at any time for violation of these Terms or for any other reason at our sole discretion, subject to applicable law. You may close your account by contacting customer service.
8. Governing Law
These Terms shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. Any disputes shall be subject to binding arbitration in accordance with the terms of your account agreement.
Accessibility Statement
Last Updated: March 1, 2025
JPMorgan Chase Bank is committed to ensuring our digital services are accessible to all customers, including those with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards across our online banking platform and public website.
Our Commitment
- Screen reader compatibility (NVDA, JAWS, VoiceOver, TalkBack)
- Full keyboard navigation without requiring a mouse
- Sufficient color contrast ratios for text and UI components
- Descriptive alt text for all meaningful images and icons
- Resizable text up to 200% without loss of content or functionality
- Captions and transcripts for audio and video content
- Clear focus indicators for interactive elements
- ARIA landmarks and semantic HTML for assistive technology
Known Limitations
We are continuously working to improve accessibility across all areas of our platform. Some third-party content or legacy documents (such as older PDF statements) may not fully meet accessibility standards. We are actively working to remediate these.
Alternative Access
If you experience difficulty accessing any part of our platform, we offer alternative access options:
- Telephone banking: available 24/7 at the number on the back of your card
- In-branch assistance at any JPMorgan Chase Bank branch location
- Accessible statement formats (large print, Braille) upon request
Feedback & Reporting Issues
We welcome feedback on our accessibility. If you encounter a barrier, please contact our Accessibility Support team so we can address it promptly.
Accessibility Support
Send a secure message via online banking
Subject line: Accessibility Feedback
Response time: within 2 business days
FDIC Insurance & Regulatory Disclosures
Last Updated: January 1, 2025
Equal Housing Lender
JPMorgan Chase Bank, N.A. is an Equal Housing Lender. We comply with all applicable fair lending laws and regulations, including the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other characteristic protected by law.
Regulation E — Electronic Fund Transfers
Your electronic fund transfer rights are governed by Regulation E. If you believe an unauthorized electronic fund transfer has been made from your account, you must notify us within 60 days of the statement date on which the error first appeared. Your liability may be limited based on when you report the error.
Regulation Z — Truth in Lending
Loan and credit products are subject to Regulation Z disclosure requirements. Annual Percentage Rates (APRs), fees, and terms are disclosed at the time of application and in your credit agreement.
Bank Secrecy Act / Anti-Money Laundering
JPMorgan Chase Bank is required by federal law to help the government fight financial crimes. We may be required to obtain, verify, and record information about customers and report certain transactions to regulatory authorities without notifying the customer.
Complaints & Regulatory Contacts
If you have an unresolved complaint, you may contact the following regulators:
- Office of the Comptroller of the Currency (OCC): 1-800-613-6743
- Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
- Federal Deposit Insurance Corporation (FDIC): fdic.gov
Contact Us & Filing a Complaint
Last Updated: January 1, 2025
We take all customer concerns seriously. If you have a question about any of our policies or wish to file a formal complaint, please use one of the channels below.
General Inquiries
Customer Service
Email: support@ (domain to be added)
Secure message via online banking — available 24/7
Branch: Locate your nearest branch at our website
Privacy Inquiries
Privacy Office
JPMorgan Chase Bank, N.A.
Attn: Privacy Office
1221 Brickell Avenue, Suite 900, Miami, FL 33131
Email: privacy@ (domain to be added)
Response time: within 10 business days
Formal Complaints
To file a formal complaint regarding a banking product or service, please send a written complaint via secure message in online banking or by mail to the address above. Include your full name, account number (if applicable), a description of the issue, and your preferred resolution.
We will acknowledge receipt within 5 business days and provide a full response within 30 days.