A major retail banking division of JPMorgan Chase that provides consumer banking services including checking and savings accounts, credit cards, mortgages, and personal loans to millions of customers across the United States. The bank's deposit account terms, fee structures, and privacy practices directly impact how consumers can access and use their money, what costs they may incur for banking services, and how their personal financial information is collected and shared. These policies are particularly significant given Chase's large market presence and the essential nature of banking services for everyday financial activities.

3 Documents
34 All provisions 2 High severity 20 Medium severity 12 Low severity
0 Changes · 12 mo
- Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Data Usage
12 provisions · 5 high · 6 med
Data Collection
10 provisions · 3 high · 6 med
Privacy Rights
9 provisions · 1 high · 7 med
Data Sharing
9 provisions · 6 high · 2 med
Liability Limitation
2 provisions · 1 high · 1 med
Policy Changes
2 provisions · 1 high · 1 med
Other
2 provisions · 1 high · 1 med
Targeting Restrictions
1 provision · 1 high
Restricted Content
1 provision · 1 high
Key Governance Provisions
High California residents have CCPA rights

The use of 'may have rights' rather than 'have rights' means Chase does not affirmatively guarantee CCPA rights apply; the scope of those rights is left unstated in this clause.

High Advertisements targeted using account relationship data

Users' banking relationship data — including transactional history and account types — is actively used to target advertising, meaning sensitive financial behavior informs ad delivery.

High Children under 13 excluded from online services

The carve-out for Chase First Banking℠ and the 'knowingly' qualifier both limit the scope of protection — Chase does not warrant against unknowing collection from minors.

High Privacy policy changes effective upon posting

Because changes take effect upon posting without a stated notice or waiting period requirement, users may be bound by updated terms without advance notification.

High Electronic transmissions may not be secure

Chase explicitly declines to warrant the security of electronic transmissions, which bears on user risk when sending sensitive information through unsecured channels.

Document Coverage
Feeschedule Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 3 Provisions tracked: 34
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Documents

Chase Privacy Notice

Medium

This document explains what personal information Chase collects about you — including your account numbers, transaction history, and data from credit reporting agencies — how Chase uses that information to …

Last updated May 5, 2026 · Privacy policy
8 provisions 2 versions captured Version history →

Chase Fee Schedule

Medium

This is Chase's fee and services disclosure document for personal checking, savings, and CD accounts, covering monthly service fees, overdraft fees, wire transfer fees, ATM fees, card limits, and account …

Last updated May 5, 2026 · Fee schedule
8 provisions 2 versions captured Version history →

Chase Deposit Account Agreement

Medium

This is JPMorgan Chase Bank's Deposit Account Agreement, the foundational contract governing all personal checking, savings, CD, and business deposit accounts opened at Chase. The agreement authorizes Chase to apply …

Last updated May 5, 2026 · Terms of service
10 provisions 2 versions captured Version history →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (2)

View all high severity provisions → Compare Chase with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
FCRA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
TCPA
United States Federal
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Chase documents does ConductAtlas track?

ConductAtlas tracks 3 Chase documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Chase made in the past year?

Chase has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Chase?

ConductAtlas has classified 34 provisions across Chase's tracked documents. 2 are rated high severity, 20 medium, and 12 low.

Can I get alerts when Chase changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Chase to their watchlist and receive same-day email alerts whenever any tracked document changes.