Provision record
Chase · Chase Fee Schedule · View original document ↗

Wire Transfer Funds Transfer System Discretion

Low severity High confidence Explicit document language Unique · 0 of 352 platforms
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Document Record

What it is

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.

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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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

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.

Consumer impact (what this means for users)

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.

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▸ View Original Clause Language DOCUMENT RECORD
"
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

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

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Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →

Provision details

Document information
Document
Chase Fee Schedule
Entity
Chase
Document last updated
May 5, 2026
Tracking information
First tracked
July 13, 2026
Last verified
July 13, 2026
Record ID
CA-P-076292
Document ID
CA-D-00043
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
a6469f6450244a4e3bb55134252e28af8052913ebc49b15ea984d3908269fbca
Analysis generated
July 13, 2026 01:53 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Chase
Document: Chase Fee Schedule
Record ID: CA-P-076292
Captured: 2026-07-13 01:53:41 UTC
SHA-256: a6469f6450244a4e…
URL: https://conductatlas.com/platform/chase/chase-fee-schedule/provision/CA-P-076292/wire-transfer-funds-transfer-system-discretion/
Accessed: Oct. 2, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Low
Categories

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Frequently Asked Questions

What does Chase's Wire Transfer Funds Transfer System Discretion clause do?

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.

How does this clause affect you?

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.

Is ConductAtlas affiliated with Chase?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Chase.