Chase may change the interest rate and Annual Percentage Yield on interest-bearing deposit accounts at any time, without limit and without providing advance notice to account holders.
This analysis describes what Chase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The agreement explicitly states that rate changes require no advance notice, which means account holders may not receive advance disclosure before a rate reduction takes effect on their savings or interest-bearing checking accounts. This is a standard feature of variable-rate deposit accounts in the U.S. retail banking market.
Under this provision, the interest rate on Chase savings and interest-bearing checking accounts may be changed at any time without notice, and there is no contractual floor or ceiling on rate changes. Account holders can monitor current rates through Chase Digital Platforms or by calling Chase.
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Compare across platforms →"Interest-bearing accounts have a variable interest rate. That means we may change the interest rate and Annual Percentage Yield as often as we choose, without limits and without notice.Excerpt from Chase's Deposit Account Agreement
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The agreement explicitly states that rate changes require no advance notice, which means account holders may not receive advance disclosure before a rate reduction takes effect on their savings or interest-bearing checking accounts. This is a standard feature of variable-rate deposit accounts in the U.S. retail banking market.
Under this provision, the interest rate on Chase savings and interest-bearing checking accounts may be changed at any time without notice, and there is no contractual floor or ceiling on rate changes. Account holders can monitor current rates through Chase Digital Platforms or by calling Chase.
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