J.P. Morgan Chase

1. J.P. Morgan Chase Silvia Moran Period: 2

2. Some History… • The bank was known as “Chase Manhattan Bank” until it merged with J.P. Morgan & Co. in 2000. • Headquarters- Chicago, since it merged with Bank One Corporation in 2004. • In 2008, the bank acquired the deposits and most assets of Washington Mutual. • One of the Big Four banks in the U.S. • Fun Fact: Chase offers more than 5,300 branches and 16,500 ATMs nationwide.

3. Chase Location Imaging/branding • National Bank • a bank chartered by the U.S. government and formerly authorized to issue notes that served as money. • Commercials about direct deposits using the iPhone • Spanish commercials are appealing to Hispanics

4. Checking Accounts Chase Total Checking Chase Premier Plus Checking Chase Premier Platinum Checking Student Checking ***Each one has free access to more than 16,500 ATMs & 5,300 branches nationwide***

5. Chase Total Checking Benefits • FREE Chase Debit Card, Online Banking and Bill Pay, Chase Mobile banking, Account alerts • Minimum Deposit to Open= $25 • No Monthly Service Fee • Direct deposits totaling $500 or more made to this account. • OR with a $1,500 minimum daily balance • OR, with an average daily balance of $5,000 or more in linked deposits/investments Otherwise, a $12 Monthly Service Fee applies.

6. Chase Premier Plus Checking • All the benefits of Chase Total Checking, plus: • Earns interest • FREE Chase design checks, Safe Deposit Box • No Non-Chase ATM fee charged by Chase for the first four Inquiries, Transfers and Withdrawals each statement period for using another institution´s ATM • No fee for money orders, official checks, travelers checks and gift cards

7. Chase Premier plus checking (CONT.) • Chase Plus Savings with no Monthly Service Feeand higher interest rates • Two additional Chase Premier Plus Checking accounts with no Monthly Service Fee • Chase Business Select Checkingaccount with no Monthly Service Fee • Minimum Deposit to Open= $25 • No Monthly Service Fee • With an average daily balance of $15,000 or more in linked deposits/investments Otherwise a $25 monthly Service Fee

8. Chase premier platinum checking • All the benefits of Chase Premier Plus Checking, plus: • Earns interest • FREE Personal Style checks • No Non-Chase ATM fee charged by Chase for using another institution´s ATM • No Overdraft Protection Transfer Fee • No Incoming Wire Transfer Fee • No Stop Payment Fee • Chase Plus Savings with no Monthly Service Fee and higher interest rates

9. Chase Premier platinum checking (cont.) • Two additional Chase Premier Platinum Checking accounts with no Monthly Service Fee • Chase Business Select Checking account with no Monthly Service Fee • Minimum Deposit to Open= $100 • No Monthly Service Fee • With an average daily balance of $75,000 or more in linked deposits/investments • Otherwise a $25 monthly Service Fee applies

10. Student Checking High School College • All the benefits of Chase Total Checking • Minimum Deposit to Open= $25 • No Monthly Service Fee • With a qualifying linked parent/guardian checking account; • OR, with monthly direct deposit Otherwise a $6 monthly Service Fee • All the benefits of Chase Total Checking • Minimum Deposit to Open = $25 • No Monthly Service Fee • If enrolled in college for up to five years; • OR, with monthly direct deposit Otherwise a $6 monthly Service Fee

11. Saving Accounts & CDs Chase Savings Chase Plus Savings Chase CD Chase CD Special

12. Chase Savings Benefits • FREE Automatic Savings Program, Online Banking, Chase Mobile banking, Account alerts • Access to more than 16,500 Chase ATMs and 5,300 branches nationwide • Earns interest • By linking this account to your Chase checking account, you may use it for Overdraft Protection • Minimum Deposit to Open= $25 • No Monthly Service Fee • Minimum of $300 or more in this account • At least one repeating automatic transfer of $25 or more from Personal Chase Checking each month • Under 18 years old Otherwise, $5 Monthly Service Fee

13. Chase Plus Savings • All the benefits of Chase Savings, plus: • Higher balances earn a higher interest rate • Earn relationship rates when linked to an active qualifying checking account (Otherwise non-relationship rates apply) • Minimum Deposit to Open= $100 • No Monthly Service Fee • With a minimum daily balance of $15,000 or more in this account Otherwise a $20 Monthly Service Fee

14. Certificates of deposit Chase CDs Chase CDs Special • $1,000 Minimum Opening Deposit • $10,000 Minimum Opening Deposit • Also requires a Chase Checking Account

15. Works Best for me Student Checking (High School) It would be linked to my parents checking account. So, I wouldn’t have to pay the $6 monthly fee.

16. Credit card Visa Bank that issues it? Bank of America

17. Bank of America • It’s the second largest bank holding company in the United States by assets. • Headquarters- Charlotte, North Carolina. • It’s one of the “Big Four banks in the U.S • It is a national bank

18. Is a global payments technology company that enables consumers, businesses, financial institutions and governments to use digital currency instead of cash and checks.

19. Evaluation of Card • What is the APR? • 20.24% • Annual Fee- $39 • Penalty for paying late- Up to $35 • Rewards/Incentives • Help establish or rebuild credit • Account reviewed after 12 months to see if you can upgrade to an unsecured card and a refund of Security Deposit • Request a tap & pay device, including an additional card with built-in tap & pay functionality • Protections (Total Security Protection Package) • Card is lost or stolen, Bank of America reimburses transaction • Guaranteed Credit • Fraud Monitoring • Photo Security • Online Protection • Privacy Policy