The document states that for all interest-bearing personal checking and savings accounts, Chase may change the interest rate and APY at any time, at any frequency, without limits on the magnitude of the change, 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
This provision reserves Chase's right to alter the interest rate and APY on interest-bearing accounts without restriction on frequency or magnitude and without advance notice, which is an operationally significant condition for account holders relying on rate information provided at account opening.
Interpretive note: Whether the no-notice variable rate change assertion fully satisfies Regulation DD requirements for adverse change notifications depends on the specific type of rate change and account type involved, which may vary by jurisdiction and regulatory interpretation.
Under this provision, the interest rate and APY applicable to interest-bearing checking and savings accounts may be changed by Chase at any time without advance notice to the account holder. The Rate Sheet provided at account opening is the current rate reference, but the terms do not guarantee that rate for any forward period.
Cross-platform context
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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 Fee Schedule
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This provision reserves Chase's right to alter the interest rate and APY on interest-bearing accounts without restriction on frequency or magnitude and without advance notice, which is an operationally significant condition for account holders relying on rate information provided at account opening.
Under this provision, the interest rate and APY applicable to interest-bearing checking and savings accounts may be changed by Chase at any time without advance notice to the account holder. The Rate Sheet provided at account opening is the current rate reference, but the terms do not guarantee that rate for any forward period.
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