To use the Chase power of attorney form, pick it up at any Chase branch, complete it with the account holder’s and agent’s information and the specific accounts and powers involved, have it signed and notarized according to your state’s rules, and then bring the original document and your agent into a branch together so Chase can verify identities and activate access. There is no online submission path, and the agent must appear in person.
Which Form to Use
Chase has its own proprietary POA form built for Chase deposit accounts — checking, savings, and CDs. You can get it at any branch, and JPMorgan Private Client customers can go through their Relationship Manager or Senior Private Client Banker.1Chase. Power of Attorney Services
That form does not cover investment or brokerage accounts. For those, Chase uses a separate document called the “Certification of Agent Regarding Power of Attorney,” which can be submitted by secure message or mail to J.P. Morgan Securities.2J.P. Morgan. Certification of Agent Regarding Power of Attorney
You are not required to use Chase’s form. The bank also accepts state statutory POAs — the standardized forms created under state law — and notes that because these follow the state’s official format, banks are more likely to accept them.1Chase. Power of Attorney Services If you already have a statutory POA or one drafted by an attorney, bring it to a branch for review rather than filling out Chase’s version on top of it.
Information You Need on the Form
Whichever form you use, you will provide the full legal names and current residential addresses of both the principal (the account holder) and the agent. Chase uses that information to verify identities and match the POA to its internal records.1Chase. Power of Attorney Services Non-U.S. citizens must confirm each person’s current U.S. residential address.
List every Chase account the agent should be able to manage: checking, savings, CDs, safe deposit boxes. If an account number is left off the form, the agent may be turned away when trying to access that account. The specificity is the point. It keeps the agent out of accounts you want to keep private.
Powers to Grant
The form asks you to spell out what the agent can do. Common choices for a banking POA:
- Making deposits, writing checks, and withdrawing funds from the listed accounts.
- Transferring money between connected checking and savings accounts.
- Opening, closing, or renewing CDs.
- Accessing a safe deposit box to retrieve or store documents and valuables. Chase has noted that granting POA access to a safe deposit box is worth considering for emergencies.3Chase. What Is a Safe Deposit Box, and How Does It Work
One power that is almost never included by default is the authority to make gifts. Even a broadly worded POA that lets the agent do everything the principal could do does not automatically allow the agent to give away the principal’s money. If you want your agent to send holiday checks to grandchildren or make charitable donations, include explicit gifting language. Without it, any gift the agent makes could be treated as a breach of duty or self-dealing.
Naming a Successor Agent
Name a backup. A successor agent steps in if your first choice dies, becomes incapacitated, or declines to serve, and you designate them on the POA form itself at signing. Without a named successor, you would need to execute a new POA if your primary agent can no longer act — and that becomes impossible if you have already lost capacity by then.
Signing It Correctly
Every state has its own rules about how a POA must be signed and witnessed, and Chase enforces those rules before accepting the document. Some states require only a notarized signature. Others require notarization plus one or two witnesses, with specific rules about who can serve. A few states also require the agent to sign a separate acknowledgment of their responsibilities.
Chase’s investment POA documentation spells out the state-by-state differences. Florida, for example, requires notarization plus two witnesses. Arizona requires notarization and a witness who cannot be the notary, the agent, or the agent’s spouse or children. Illinois bars witnesses who are related to either the principal or the agent. The full list is extensive.2J.P. Morgan. Certification of Agent Regarding Power of Attorney Check your state’s power of attorney statute, or ask the notary — they should know the local requirements.
Notary fees vary by state. Some states cap the fee at $10 per notarial act; others allow $15 or $20. Many Chase branches have a notary on staff who can notarize the form at no charge for account holders, though availability varies by location. Any licensed notary can handle it if you complete the form outside a branch.
Durable or Springing
Most POAs used for banking are durable. The agent’s authority takes effect the moment you sign and continues even if you later become incapacitated. Many states now presume a POA is durable unless it says otherwise, and Chase requires any POA submitted for investment accounts to be durable.2J.P. Morgan. Certification of Agent Regarding Power of Attorney
A springing POA activates only after a triggering event, almost always a physician’s written certification that you can no longer manage your affairs. It sounds appealing because the agent stays sidelined until needed, but financial institutions scrutinize springing POAs more heavily, and the delay in getting a doctor’s letter can leave bills unpaid during a crisis. If you choose the springing route, make the triggering language crystal clear and discuss the process with your doctor in advance.
Submitting the Form at a Branch
Once the form is complete and notarized, bring it to a Chase branch in person. The agent named on the POA must come with you. Chase will not activate an agent’s access without meeting them face to face, and the bank’s own website warns that you may need more than one trip to finish the process.1Chase. Power of Attorney Services
The agent needs to bring two forms of identification. The primary ID must be government-issued — a state driver’s license, state ID card, or U.S. passport. The secondary ID can be a credit or debit card with an embossed name, an employer ID, or a utility bill. In some cases the agent also needs the principal’s personal ID or a photocopy of it.4Chase. Get Ready to Open Your Business Checking Account Non-U.S. citizens face stricter rules: a credit or debit card is not accepted as a secondary ID, and proof of a current U.S. residential address may be required.
Bring the original POA document, not a copy. Also bring any state-required witness acknowledgments, a physician certification if the POA is a springing type, and the account numbers you want the agent to manage.
How Chase Reviews the Document
After you submit everything, Chase reviews the POA to confirm the agent’s authority before approving any changes or opening a new account.1Chase. Power of Attorney Services A back-office team checks that the form complies with internal policies and the state’s execution requirements. Chase does not publish a specific turnaround. Do not assume the agent can walk in and start transacting the same day; build in a buffer of several business days.
If the bank has concerns about the document, it may ask for a certification from the agent, a legal opinion from an attorney, or a translation if the document is not in English. These requests are contemplated by the Uniform Power of Attorney Act, and under that Act, once the bank receives the requested materials it must complete its review within five business days.5Uniform Law Commission. Uniform Power of Attorney Act If Chase denies the POA outright, ask for the reason in writing, escalate to the branch manager, and know that in rare cases a court can order the bank to accept the document.
Changing or Ending the POA
You can revoke a POA at any time while you are mentally competent. The revocation must be in writing. A phone call or verbal statement is not enough. Include your full name, the date of the original POA, the name of the agent whose authority you are revoking, and a clear statement revoking all powers granted under that document. Sign and date it, and have it notarized for added protection.
Deliver the revocation to Chase directly. For deposit accounts, bring it to a branch. For investment accounts, Chase directs that written notice of revocation go to J.P. Morgan Securities LLC, Attn: Account Processing, Mail Code: IL1-0291, 10 S. Dearborn St., Chicago, IL 60603. The revocation is not effective against Chase until the bank actually receives it, so transactions the agent completes between your signing of the revocation and Chase’s receipt of it may still stand.2J.P. Morgan. Certification of Agent Regarding Power of Attorney Notify the former agent directly as well.
A POA also ends automatically in several situations. The agent’s authority terminates by operation of law the moment the principal dies — durable means the document survives your incapacity, not your death. Once Chase receives notice of the principal’s death, the agent cannot access the accounts, and control passes to the executor named in the principal’s will or an administrator appointed by a probate court. Other automatic terminations include the agent’s own death or incapacity, a court order removing the agent, or divorce from the agent if the POA does not say the authority survives dissolution of the marriage. If any of these occur, notify Chase in writing right away so the former agent cannot transact before the bank’s systems are updated.