We also listed a provision named “CD Early Withdrawal Penalties” from our summary of this document. None of its quoted text appears in any capture we hold, so it was withheld (correction, Oct 12, 2026). A link to that entry now leads here. This page is a separate clause record, CA-P-076283, whose quotation is checked against a stored capture of the document.
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 early withdrawal penalty structure for personal CDs caps penalties at the total interest earned during the current term, which limits but does not eliminate potential principal reduction in low-interest-rate environments or very early withdrawals. The business CD penalty structure is a fixed-dollar-plus-percentage formula rather than an interest-days model.
Cross-platform context
See how other platforms handle CD Early Withdrawal Penalties and similar clauses.
Compare across platforms →"Early withdrawal penalties: There is a penalty for withdrawing principal prior to the maturity date. For Personal CDs: … If the term of the CD is less than 6 months, the early withdrawal penalty is 90 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD. … If the term of the CD is 6 months to less than 24 months, then the early withdrawal penalty is 180 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD. … For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD. … For Business CDs: … If the term of the CD is less than 12 months, the early withdrawal penalty is equal to $25 plus 1% of the amount withdrawn. … For terms of 12 months or more, the early withdrawal penalty is equal to $25 plus 3% of the amount withdrawn.Excerpt from Chase's Deposit Account Agreement
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The early withdrawal penalty structure for personal CDs caps penalties at the total interest earned during the current term, which limits but does not eliminate potential principal reduction in low-interest-rate environments or very early withdrawals. The business CD penalty structure is a fixed-dollar-plus-percentage formula rather than an interest-days model.
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