Last updated on 03/11/2018

Online and Mobile E-Sign Disclosure and Consent

This E-Sign Disclosure and Consent ("E-Sign Disclosure") applies to all communications for those products, services and Accounts offered or accessible through the Online Service or a mobile application, including the Chase Mobile app and Finn by ChaseSM app, or mobile website used to access the Online Service, that are not otherwise governed by the terms and conditions of an electronic disclosure and consent.

We are required by law to give you certain information "in writing," which means you are entitled to receive it on paper. We need your consent to provide this information to you electronically.

As used in this E-Sign Disclosure, the words

  • "we," "us," "our" and "Chase" refers to JPMorgan Chase Bank, National Association and its affiliates, agents, assignees and service providers used to deliver Communications;
  • "Account" means the account(s) you have with us now or in the future, including ones which you open through the Online Service or our mobile apps;
  • "Communication" means any agreements, terms and conditions or amendments or changes to those agreements and terms and conditions, notices, disclosures, alerts, Account statements, all tax documents, responses to claims, transaction history, privacy policies and all other documents and information related to the Account, including but not limited to information that we are required by law to provide to you on paper and in writing.
  • "Online Service" means any online products, services, functionality and associated documentation or software available on Chase Online, JPMorgan Online or any other site made available to you by our affiliates, agents, assignees and service providers through the use of a desktop computer or laptop.

1. Scope of Communications to Be Provided in Electronic Form.

You acknowledge and agree that:

  • We may send you any Communication electronically and we may, at our discretion, terminate paper delivery of Communications.
  • Your consent to receive electronic Communications will automatically enroll you in Paperless Statements and allow us to electronically send you all Communications (defined above) by the methods set forth below in Section 2.
  • We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
  • You may withdraw your consent to this E-Sign Disclosure and request that we send you paper Communications.
    • For Finn by ChaseSM Account(s) - Withdrawing your consent to this E-Sign Disclosure will result in our closing of your Account and discontinuing servicing your Account through the Finn by ChaseSM app.
  • We may make certain tax documents available electronically only for a limited time. The period of time most tax documents will be available electronically is from January 31st or February 15th, as applicable, of the relevant year until at least October 15th of the same year. Certain tax documents although provided to you electronically, may be required to be printed and attached to a federal, state or local income tax return.
  • We may also use electronic signatures and obtain them from you on any electronic Communication.

2. Method of Providing Communications to You.

All Communications (including alerts that Communications have been provided or posted via any of the methods set forth below) will be provided by one or more of the following methods:

  • Through our website, including our mobile websites or, to the extent permitted by law, a website that we will designate in advance for any such Communications;
  • Through our mobile apps;
  • Via the email address you provide us;
  • Text messages and push notifications to your mobile device;
  • Secure messages via chase.com, Chase Mobile or the Finn by ChaseSM app; or
  • By requesting you download a Hyper Text Markup Language ("HTML") file or a Portable Document Format ("PDF") containing the electronic Communication.

You should print or download this E-Sign Disclosure and all Communications we provide to you.

3. Hardware and Software Requirements.

In order to access, view and retain electronic Communications from us, you must have:

  • Access to a device (e.g., computer, smartphone, mobile device, tablet, etc.) with an operating system and web browser that we support to access your Account through the Online Service;
  • If accessing your Account through our mobile apps, a device suitable for connecting to the internet or for downloading our mobile apps or accessing our mobile websites, and an up-to-date version of either Apple iOS or Android OS. For Finn by ChaseSM Accounts, Apple iOS 10.0 or higher;
  • Valid email address and software to access electronic Communications we send to you via email;
  • Local, electronic storage capacity to retain our Communications and/or a printer to print them; and
  • Software that enables you to view files in HTML and PDF.

4. How to Withdraw Consent.

You may withdraw your consent to receive electronic Communications. To withdraw your consent:

Chase Accounts

  • Call us at 877.242.7372; or
  • send us a secure message via chase.com or the Chase Mobile app.

You may withdraw your consent to receive Paperless Statements by changing your delivery preferences within the Online Service. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. However, your access and use of the Online Service may be terminated.

Finn by ChaseSM Accounts

  • Call us at 800.636.9415; or
  • send us a secure message via the Finn by ChaseSM app.

Withdrawal of consent will result in our closing of your Finn by ChaseSM Account and discontinuing servicing your Finn by ChaseSM Account through the Finn by ChaseSM app. Please refer to your Finn by ChaseSM Account agreement for additional information. There is no fee to process your withdrawal request.

All Accounts

To withdraw your consent to electronically receive tax documents please write to us at:

Chase By Mail
National Bank By Mail
PO BOX 36520
Louisville, KY 40233-6520

Or send a secure message via chase.com or the Chase Mobile app, and for Finn by ChaseSM Accounts, send us a message via the Finn by ChaseSM app.

A withdrawal of consent does not apply to a tax document that was provided electronically before the date on which the withdrawal of consent takes effect. However, after withdrawal of consent, to the extent that we are required to provide additional tax documents to you, we will provide them on paper.

It is important that you provide us with a valid, current email address as we may treat an invalid or malfunctioning email address as a withdrawal of your consent to receive electronic Communications.

Your withdrawal request will be effective only after we have a reasonable period to process it. For tax documents, we will confirm the withdrawal and the date on which it takes effect in writing (either electronically or on paper).

5. Requesting Paper Copies.

You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail it to you, provided that your request is made within a reasonable time after we first provided the electronic Communication to you.

To request paper copies of electronic Communications, please contact us by telephone, or send us a secure message via Chase Mobile, chase.com or via the Finn by ChaseSM app for Finn by ChaseSM Accounts. We may, with prior notice, charge you a reasonable service charge for the delivery of paper copies of any electronic Communication.

6. How to Update Your Information.

You must provide us with current, accurate and complete contact information, including email addresses, mobile telephone number(s) and other information related to your Account, and to maintain and update promptly any changes in this information. You can update information through the Online Service, Chase Mobile, Finn by ChaseSM app (for Finn by ChaseSM accounts), or by contacting us at 1.877.242.7372, or for Finn by ChaseSM Accounts, 1.800.636.9415.

7. Federal Law.

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "Act"), and that you and we intend that the Act applies to the fullest extent possible to validate our ability to conduct business with you by electronic means.

8. Termination/Changes.

We reserve the right, in our sole discretion, to discontinue providing you with electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

9. Email Address of Record for Accounts with Joint and/or Multiple Owners.

Each Account owner may provide an email address for the Account in connection with each owner’s consent to receive electronic Communications. Only one account owner's authorization is required to enroll in Paperless Statements.

For purposes of electronic notification for Paperless Statements on a joint or multiple owner Account, you agree that electronic notifications for Paperless Statements delivered to the email address of the Account owner who enrolls in Paperless Statements will constitute delivery to all Account owners, even if all Account owners may not have access to such email address.

10. Interested Parties.

If you have designated one or more interested parties to receive paper copies of certain Communications, they will continue to receive copies of such Communications via U.S. mail.

11. Acceptance and Consent.

By consenting to this E-Sign Disclosure, you understand and agree to the following statements:

  • I have read, understand and agree to be bound by the terms and conditions described above, and consent to receive electronic Communications according to the process described above;
  • Certain Communications may be delivered to me via U.S. mail and that in the future some or all of these Communications may be made available for me to view electronically in accordance with this E-Sign Disclosure;
  • My consent to view Communications electronically does not automatically expire and is not limited as to duration;
  • Chase and its agents will not be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the product or services provided pursuant to this E-Sign Disclosure; and
  • Inserts that may be provided along with my Account statements contain important information or disclosures concerning my Account and I agree to review such inserts in a timely manner.