FRAUD PREVENTION
J.P. Morgan Online alerts
*
As a J.P. Morgan client, you benefit from the controls and precautions we put in place to maintain your privacy and the
confidentiality of your financial information. J.P. Morgan Online provides an alerting functionality that can be leveraged as
an early warning sign for fraud and as another layer of control. Alerts availability will vary by product type, but we advise
for you to turn on those that best suit your circumstances and banking needs.
How to enable alerts on a computer
• Click on the “person” icon at the top right of the screen
and select “Alerts”
— Alerts can be delivered to one mobile number and
up to five email addresses, as well as to Android
TM
and
Apple
®
devices using push notification.
ALERT GENERATED WHEN...
ALERT RECEIPT
LOCATION
DEFAULT
SETTING
PREFERRED
SETTINGALERT NAME#
Account balance falls below a specified amount,
which may be normal in the course of doing
business, or may be a sign of fraudulent activity
on your account
Account is overdrawn; this can be prevented by
turning on alert #1
Direct deposits over a specified amount
has posted to your account; alert for individuals
who want to be notified of paychecks, Social
Security or Medicare payment, etc.
Deposit has been submitted online (e.g., mobile
deposit and scanners for business clients)
Hold has been added to a deposit for checks to
verify the funds are available at other bank
Hold has been removed from a deposit for
checks after the funds are confirmed as
available
You request a summary of the activities in your
account from the prior day
Authorized account holder (such as a joint
account owner or signer) makes a deposit into
your account using an ATM
Account has been overdrawn but funds from
another account are covering the overdraft;
this can be prevented by turning on alert #1.
You must specify which account to draw from;
this is not an automatic service
Specific check you wrote has been cashed by
the beneficiary
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
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1 My balance is below $ (USD)
for this account
2 My account is overdrawn
3 A direct deposit greater than $
(USD) has posted to this account
4 An online deposit has been submitted
to this account
5 A hold has been placed on my account
6 A hold has been removed from my
account
7 The daily account summary for this
account, including transaction
details, total deposits, withdrawals
and current balance, is now available
8 An ATM deposit has posted to this
account
9 An overdraft protection advance was
made to this account
10 Check has posted
(Your available balance will be included in
the Alert message)
(Your available balance will be included in
the Alert message)
Checking account alerts
(Note: You may also receive a hold notice
with additional information regarding the
hold by mail.)
• Select “Alerts delivery” to set up your delivery profile
• Select “Choose Alerts” from the menu at left to enable alerts
• Alerts are account specific. Select the account or line of
credit to enable alerts for that specific account.
ALERT GENERATED WHEN...
ALERT RECEIPT
LOCATION
DEFAULT
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PREFERRED
SETTING
ALERT NAME#
Check has not been honored and funds have
been returned
Account balance is over a specified amount
Wire over a specified amount is sent to your
account; usually leveraged by individuals who
are expecting a specific wire transfer
Payment is initiated using the J.P. Morgan
Online online bill pay service over a specified
amount, which may be normal in the course of
doing business, or may be a sign of fraudulent
activity on your account
New payee has been added to your online bill
payment profile, which may be normal in the
course of doing business, or may be a sign of
fraudulent activity on your online profile
Repeating payment series scheduled through
the online bill pay system (such as monthly rent
and utilities payments) has ended
You should check that enough funds are
available in your account for a future-dated
online bill payment
Check or payment is for an amount greater
than the balance in your account; this can be
prevented by turning on alert #1
Wire over a specified amount is initiated,
which may be normal in the course of doing
business, or may be a sign of fraudulent activity
on your account
Debit card is used for a transaction over a
specified amount, which may be normal in the
course of doing business, or may be a sign of
fraudulent activity if your card is lost or stolen
Debit card is used for an ATM transaction over
a specified amount, which may be normal in the
course of doing business, or may be a sign of
fraudulent activity if your card is lost or stolen
External transfer is initiated using the external
account transfer service over a specified
amount, which may be normal in the course of
doing business, or may be a sign of fraudulent
activity on your account
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Primary email
Primary email
Primary email
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
ON
OFF
OFF
OFF
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ON
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ON
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ON
ON
ON
ON
11 Funds previously deposited to your
account have been returned
12 My balance is above $ (USD)
for this account
13 An incoming wire transfer exceeds
$ (USD)
14 A bill payment exceeds $ (USD)
15 A payee has been added to my online
bill payment profile
16 Any scheduled online repeating
payment series has ended
17 It is three bank business days until
a scheduled bill payment
18 Your check or payment may not be
completed because there’s not enough
money in your account
19 An outgoing wire transfer exceeds
$ (USD)
20 A debit card transaction exceeds
$ (USD)
21 An ATM withdrawal exceeds
$ (USD)
22 An external transfer exceeds
$ (USD)
FRAUD PREVENTION J.P. Morgan Online alerts
*
Checking account alerts (continued)
(Note: This alert does not apply for Chase
student loan or commercial loan payments,
automatic payments for Chase credit cards
or loans, or Chase loan payments that weren’t
made using online or mobile banking.)
(Note: This alert will not be sent for the
Chase accounts that have automatically
been added to your payee list.)
(Note: This alert will not be sent for the
Chase accounts that have automatically
been added to your payee list.)
* Alert is not available for Private Bank
business products
(Your available balance will be included in
the alert message.)
FRAUD PREVENTION J.P. Morgan Online alerts
*
ALERT GENERATED WHEN...
ALERT RECEIPT
LOCATION
DEFAULT
SETTING
PREFERRED
SETTINGALERT NAME#
Account balance falls below a specified amount,
which may be normal in the course of doing
business, or may be a sign of fraudulent activity
on your account
Notifies you to prevent a Savings Withdrawal
Limit fee and prevents your savings account
from being converted into a checking account
Account is overdrawn; this can be prevented by
turning on alert #23
Direct deposit over a specified amount has
posted to your account; alert for individuals
who want to be notified of paychecks,
Social Security or Medicare payment, etc.
Deposit has been submitted online (such as
mobile deposit and scanners for business
clients)
Hold has been added to a deposit for checks to
verify the funds are available at other bank
Hold has been removed from a deposit for
checks after the funds are confirmed as
available
You request a summary of the activities in your
account from the prior day
Notifies you if your account balance is over a
specified amount
Wire over a specified amount is sent to your
account; usually leveraged by individuals who
are expecting a specific wire transfer
Notifies you when a check or payment is for
an amount greater than the balance in your
account; this can be prevented by turning on
alert #23
Wire over a specified amount is initiated,
which may be normal in the course of doing
business, or may be a sign of fraudulent
activity on your account
Debit card is used for an ATM transaction over
a specified amount, which may be normal in the
course of doing business, or may be a sign of
fraudulent activity if your card is lost or stolen
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
OFF
OFF
OFF
OFF
OFF
OFF
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ON
OFF
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ON
ON
23 My balance is below $ (USD) for
this account
24 My account is near or over the limit of
six savings withdrawals
25 My account is overdrawn
26 A direct deposit greater than $
(USD) has posted to this account
27 An online deposit has been submitted
to this account
28 A hold has been placed on my account
29 A hold has been removed from my
account
30 The daily account summary for this
account, including transaction details,
total deposits, withdrawals and current
balance, is now available
31 My balance is above $ (USD) for
this account
32 An incoming wire transfer exceeds
$ (USD)
33 Your check or payment may not be
completed because there’s not enough
money in your account
34 An outgoing wire transfer exceeds
$ (USD)
35 An ATM withdrawal exceeds $
(USD)
Savings account alerts
(Your available balance will be included in
the Alert message.)
(Note: Exceeding this limit may trigger a
Savings Withdrawal Limit Fee.)
(Your available balance will be included in
the Alert message.)
(Note: You may also receive a hold notice
with additional information regarding the
hold by mail.)
(Your available balance will be included in
the alert message)
ALERT GENERATED WHEN...
ALERT RECEIPT
LOCATION
DEFAULT
SETTING
PREFERRED
SETTINGALERT NAME#
Available balance on your credit card is less
than a specified amount, which may be normal
in the course of doing business, or may be a
sign of fraudulent activity on your account
Balance is transferred from one credit card to
another credit card has been completed
Balance on your credit card has reached a
specified amount, which may be normal in the
course of doing business, or may be a sign of
fraudulent activity on your account
A payment will be completed for your credit
card automatically soon
Payment has been posted for the credit card
Credit card payment is due in the specified
number of days
Payment has not been received by the
due date
Credit card is used for a transaction over a
specified amount, which may be normal in the
course of doing business, or may be a sign of
fraudulent activity if your card is lost or stolen
Credit card is used for an international transaction,
which may be normal in the course of doing
business, or may be a sign of fraudulent activity
on your account. Criminals will test if a credit
card works by charging a small amount to an
international vendor
Credit card is used for an online, phone or mail
transaction, which may be normal in the course
of doing business, or may be a sign of fraudulent
activity on your account. Criminals will test if
a credit card works by charging a small amount
to an online, phone or mail service
Credit card is used at a gas station, which may
be normal in the course of doing business, or
may be a sign of fraudulent activity on your
account. Criminals will test if a credit card works
by charging a small amount at a gas station
A positive balance remains on the card,
either as a result of a reimbursement for a
disputed charge or credit from a canceled
transaction
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
OFF
ON
OFF
ON
OFF
ON
ON
ON
ON
OFF
36 My available credit is less than
$ (USD)
37 A balance transfer has been posted to
the account
38 My balance reaches $ (USD)
39 Your automatic credit card payment
will be made soon
40 A payment has been posted to the
account
41 My payment is due in days
42 No payment was received for
this account
43 More than $ (USD) is charged to
my card for a single transaction
44 An international charge has been
posted to this account
45 An online, phone or mail charge is
authorized on my credit card
46 A gas station charge is authorized on
my credit card
47 A credit is pending on my card
account
FRAUD PREVENTION J.P. Morgan Online alerts
*
Credit card alerts
(Your balance will be included in the alert
message)
ALERT GENERATED WHEN...
ALERT GENERATED WHEN...
ALERT RECEIPT
LOCATION
ALERT RECEIPT
LOCATION
DEFAULT
SETTING
PREFERRED
SETTING
ALERT NAME#
Your password has changed, which may have
been initiated by you or a fraudster
Your User ID has changed, which may have
been initiated by you or a fraudster
Your profile has been successfully accessed
by an unrecognized device (one that you have
not previously used for your online banking
profile), which may have been initiated by you
or a fraudster
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
Primary email
Text message
Android
TM
/Apple
®
ON,
Primary
email
ON,
Primary
email
ON,
Primary
email
ON,
Text or
second email
ON,
Text or
second email
ON,
Text or
second email
48 You changed your password
49 My User ID has changed
50 My device has been approved
FRAUD PREVENTION J.P. Morgan Online alerts
*
Online security alerts
Tips to strengthen personal credentials
Maintaining strong, complex and unique user IDs and passwords is critical to your online banking account:
1. Your user ID does not have to be your first and last name, and should be a combination of letters and numbers to protect
your identity
2. Passwords should be 8-32 characters long, using a combination of letters, numbers and special characters
3. Leverage an RSA token for added security; an RSA token adds a randomly selected code (that changes every minute) to the
password you create. J.P. Morgan Online oers either a physical RSA token or a digital token on your mobile device.
Note: Your password is limited to eight characters if you wish to use a token. Adding a token will disable some asset
aggregation tools, such as Quicken and QuickBooks.
We can help
If you receive any alerts, and you or an authorized party did not initiate the change, please contact your J.P. Morgan
representative immediately.
* This document is provided for educational and informational purposes only and is not intended, nor should it be relied upon, to address every aspect of the subject
discussed herein. The information provided in this document is intended to help clients protect themselves from cyber fraud. It does not provide a comprehensive listing
of all types of cyber fraud activities and it does not identify all types of cybersecurity best practices. You, your company or organization is responsible for determining
how to best protect itself against cyber fraud activities and for selecting the cybersecurity best practices that are most appropriate to your needs. Any reproduction,
retransmission, dissemination or other unauthorized use of this document or the information contained herein by any person or entity is strictly prohibited.
The listed merchants are in no way aliated with JPMorgan Chase Bank, N.A., nor are the listed merchants considered as sponsors or co-sponsors of this program. The
use of any third-party trademarks or brand names is for informational purposes only and does not imply an endorsement by Apple
®
or Android
TM
, or that such trademark
owners have authorized JPMorgan Chase Bank, N.A. to promote their products or services.
© 2020 JPMorgan Chase & Co. All rights reserved.
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