The document states that Chase may use any funds transfer system it considers reasonable to complete a wire transfer, regardless of customer instructions, and may complete the transfer as an internal transfer while still charging the applicable wire transfer fee if Chase is also the recipient's bank.
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 override customer routing or transfer system instructions and to charge wire transfer fees on transactions completed as internal transfers, which may affect the actual delivery time, cost, or method of a wire transfer relative to customer expectations.
Under this clause, Chase may complete wire transfer requests using a transfer system of its choosing regardless of any customer-specified routing instructions, and may charge the stated wire transfer fee even when the transfer is completed internally. This applies to both domestic and international wire transfers governed by this fee schedule.
Cross-platform context
See how other platforms handle Wire Transfer Funds Transfer System Discretion and similar clauses.
Compare across platforms →"We may use any funds transfer system we believe reasonable to complete your request, regardless of any instructions you might give us. If we also are the recipient's bank, we may complete your request using an internal transfer, and assess a wire transfer fee.Excerpt from Chase's Fee Schedule
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This provision reserves Chase's right to override customer routing or transfer system instructions and to charge wire transfer fees on transactions completed as internal transfers, which may affect the actual delivery time, cost, or method of a wire transfer relative to customer expectations.
Under this clause, Chase may complete wire transfer requests using a transfer system of its choosing regardless of any customer-specified routing instructions, and may charge the stated wire transfer fee even when the transfer is completed internally. This applies to both domestic and international wire transfers governed by this fee schedule.
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