# Chase Mobile (JPMorgan Chase)

> Source: https://docs.barcoder.ai/docs/wallets/chase-mobile
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Chase — official](https://www.chase.com/)

## Overview

**Chase Mobile** is **JPMorgan Chase & Co.'s flagship US retail-banking app** + **JPMorgan Chase is the US's largest bank by assets** <sup>[1][1], [2][2], [United States report](https://docs.barcoder.ai/docs/payments/US)</sup>. **2025 baseline**: **JPMorgan Chase 91M+ customers across segments** with deep relationships.

**Distinctive Chase Mobile positioning** <sup>[1][1], [3][3]</sup>:
- **JPMorgan Chase #1 US bank by assets** — flagship banking app for largest US bank
- **Bank mobile app use reaches 87%** per Chase survey — distinctive mass-adoption baseline
- **Nine in 10 respondents prefer one app** to manage finances (Chase survey context)
- **2025 J.D. Power #2** in U.S. Wealth Management Digital Experience Satisfaction Study (among full-service investors)

**Chase Mobile features**: Deposit checks + send/receive money (Zelle) + check credit + apply for mortgage + manage cards + investments (J.P. Morgan Wealth Management) — single-app consolidated finance.

## History

**1799 — The Manhattan Company founded** (Chase Manhattan predecessor; J.P. Morgan & Co. founded 1871).

**2000 — Chase Manhattan + J.P. Morgan & Co. merger** to form **JPMorgan Chase & Co.**.

**2010 — Chase Mobile app launches** as flagship US retail-banking app.

**2010s-2025 — Mass US digital banking + Zelle integration** <sup>[2][2]</sup>: Chase Mobile becomes primary customer-bank channel.

**2025 — JPMorgan Chase 91M+ customers; #2 J.D. Power US Wealth Management Digital Experience Satisfaction Study** <sup>[1][1]</sup>.

## Ownership & operator

**Operating entity**: **JPMorgan Chase & Co.** (NYSE: JPM); banking subsidiary **JPMorgan Chase Bank N.A.**.

**Major shareholders**: **BlackRock + Vanguard + State Street + Berkshire Hathaway (Warren Buffett historically + reduced) + various institutional + NYSE public float** (widely held; no controlling shareholder).

**Regulators**: **OCC (Office of the Comptroller of the Currency)** + **Federal Reserve** + **FDIC (Federal Deposit Insurance Corporation)** + **CFPB (Consumer Financial Protection Bureau)**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Chase Mobile app (iOS + Android; primary US retail-banking app) + chase.com online banking + Chase cards (Visa + Mastercard) + Chase branch network (4,800+ branches across US) + Chase ATMs (15,000+) |
| **Identifiers** | Phone + email + card number + SSN |
| **US rail** | **[Zelle](https://docs.barcoder.ai/docs/wallets/zelle)** (Early Warning Services bank consortium; Chase founding-bank participant) |
| **License** | Bank (JPMorgan Chase Bank N.A. full US banking license; US's largest bank by assets) |
| **Sub-products** | Chase Checking + Chase Savings + Chase Credit Cards (Sapphire + Freedom + Ink Business) + Chase Auto + Chase Home Lending + Chase Mortgage + J.P. Morgan Wealth Management (Chase's wealth-management arm) + Chase Business + Chase Private Client (premium retail) + Chase for Business |
| **Chase + J.P. Morgan integrated app**: Banking + credit + investments + wealth management in single app |

## Users & growth

**2025 baseline** <sup>[1][1]</sup>:
- **JPMorgan Chase 91M+ customers** across segments (deep relationships)
- **Bank mobile app use reaches 87%** per Chase survey — distinctive mass-adoption
- **9 in 10 respondents prefer one app** to manage finances
- **2025 J.D. Power #2 US Wealth Management Digital Experience Satisfaction Study**

## Use cases

US retail + credit cards + wealth management + business + private banking via Chase Mobile + chase.com + Chase cards + branches + ATMs; Zelle P2P payments (founding-bank participant); J.P. Morgan Wealth Management integration; Chase Sapphire + Freedom credit cards; Chase Business + Chase Private Client; UK (Chase UK digital bank).

## Implementations & partners

**Operator**: **JPMorgan Chase & Co.** (NYSE: JPM); **JPMorgan Chase Bank N.A.** banking subsidiary.

**Major shareholders**: **BlackRock + Vanguard + State Street + Berkshire Hathaway + institutional + NYSE public float** (widely held).

**Major US banking competitors**:
- **[Bank of America](https://docs.barcoder.ai/docs/wallets/bank-of-america)** (Bank of America; #2 US bank by assets; ~40M mobile-active customers + Erica AI assistant 20M+ users)
- **[Wells Fargo Mobile + Fargo virtual assistant](https://docs.barcoder.ai/docs/wallets/wells-fargo)** (Wells Fargo; US Big-4 bank; 33M+ mobile active; Fargo virtual assistant 1B+ interactions)
- **Citibank / Citi Mobile** (Citi US/global bank)
- **U.S. Bank** + **PNC Bank** + **Capital One** + **Truist** + **TD Bank US + HSBC USA** (US Top-10 banks)
- **[PayPal](https://docs.barcoder.ai/docs/wallets/paypal)** + **[Venmo](https://docs.barcoder.ai/docs/wallets/venmo)** + **[Cash App](https://docs.barcoder.ai/docs/wallets/cash-app)** + **[Zelle](https://docs.barcoder.ai/docs/wallets/zelle)** (US wallets + P2P + bank consortium)
- **[Apple Pay](https://docs.barcoder.ai/docs/wallets/apple-pay)** + **[Google Pay](https://docs.barcoder.ai/docs/wallets/google-pay)** (US OEM wallets)

**Zelle bank consortium**: Chase founding-bank participant (Early Warning Services).

**Chase UK** (UK digital bank subsidiary; JPMorgan Chase's first international consumer banking expansion).

**Regulators**: **OCC + Federal Reserve + FDIC + CFPB**.

## Fun facts

- **JPMorgan Chase is US's largest bank by assets** + **91M+ customers across segments**.
- **1799 The Manhattan Company predecessor** (oldest constituent of Chase Manhattan); **2000 Chase Manhattan + J.P. Morgan & Co. merger** formed JPMorgan Chase.
- **Bank mobile app use reaches 87%** per Chase survey — distinctive mass-adoption baseline.
- **9 in 10 respondents prefer one app** to manage finances (Chase survey).
- **2025 J.D. Power #2 in US Wealth Management Digital Experience Satisfaction Study** (full-service investors).
- **Chase + J.P. Morgan integrated app**: Banking + credit + investments + wealth management in single app.
- **Chase UK** subsidiary — JPMorgan Chase's first international consumer banking expansion.
- **4,800+ branches + 15,000+ ATMs across US**.

## Comparison

| Feature | Chase Mobile | [Bank of America](https://docs.barcoder.ai/docs/wallets/bank-of-america) (US #2 bank rival; Erica AI assistant) | [Wells Fargo Mobile + Fargo virtual assistant](https://docs.barcoder.ai/docs/wallets/wells-fargo) (US Big-4 bank rival; Fargo virtual assistant) | [Citi Mobile (Citigroup)](https://docs.barcoder.ai/docs/wallets/citi-mobile) (US/global bank rival) | [PayPal](https://docs.barcoder.ai/docs/wallets/paypal) (US-global wallet comparable) |
|---|---|---|---|---|---|
| Operator | **JPMorgan Chase & Co. (NYSE: JPM; JPMorgan Chase Bank N.A. subsidiary; widely held: BlackRock + Vanguard + State Street + institutional + NYSE float)** | Bank of America Corporation (NYSE: BAC; widely held) | Wells Fargo & Co. (NYSE: WFC; Berkshire Hathaway formerly major + institutional + NYSE float) | Citigroup (NYSE: C; widely held) | PayPal Holdings (NASDAQ: PYPL) |
| Type | **US #1 bank by assets + Chase Mobile + J.P. Morgan Wealth Management + Chase UK digital bank** | US #2 bank by assets + Erica AI assistant in app + 20M+ Erica users | US Big-4 bank + Fargo virtual assistant 1B+ interactions | US/global bank | US-global wallet |
| Country | US + GB (Chase UK) | US primary | US primary | US + 95+ countries | US + multi-global |
| Users | **JPMorgan Chase 91M+ customers across segments** | ~40M mobile-active customers; Erica 20M+ users + 3.2B+ interactions since launch | 33M+ mobile active users (Mar 2026); 50% 2025 consumer checking opened digitally | 200M+ accounts (Citi historical) | 400M+ globally |
| Distinctive | **1799 Manhattan Company predecessor; 2000 Chase Manhattan + J.P. Morgan merger; 91M+ customers; bank mobile app use 87% per Chase survey; J.P. Morgan Wealth Management integration; Chase UK first international consumer banking expansion; 2025 J.D. Power #2 Wealth Mgmt Digital** | Erica virtual assistant 20M+ users + 3.2B+ interactions; 19.7M ~50% mobile-active users use Erica; 700M Erica interactions 2025 | 33M+ mobile active (Mar 2026); +1.4M (+4%) mobile-active customers 2025; 50% consumer checking opened digitally; Fargo 1B+ interactions <3 years; 4.9-star App Store rating from 10M+ reviews | US/global bank | US-global wallet 400M+ globally |

## Status

**Active, US's largest bank by assets + 91M+ customers** <sup>[1][1]</sup>:
- **JPMorgan Chase & Co. (NYSE: JPM)** since 2000 (Chase Manhattan + J.P. Morgan merger; original Manhattan Company 1799).
- **JPMorgan Chase 91M+ customers across segments**.
- **Chase Mobile**: Single-app consolidated finance (banking + credit + investments + wealth management).
- **2025 J.D. Power #2 US Wealth Management Digital Experience Satisfaction Study**.
- **Chase UK** first international consumer banking expansion.
- **OCC + Federal Reserve + FDIC + CFPB regulated**.

## Sources

[1]: https://www.sec.gov/Archives/edgar/data/19617/000162828026023927/annualreport-2025.pdf "JPMorgan Chase & Co. Form ARS FY2025 — SEC"
[2]: https://www.chase.com/ "Chase — official"
[3]: https://www.bankingdive.com/news/mobile-banking-app-87-percent-chase-survey-peer-to-peer-payment-card-replacement/642082/ "Bank mobile app use reaches 87%: Chase survey — Banking Dive"
[4]: https://www.sec.gov/Archives/edgar/data/0000019617/000001961725000483/investordaypresentation.htm "JPMorgan Chase Investor Day Presentation FY2025 — SEC"
[us-cro]: https://docs.barcoder.ai/docs/payments/US

- [1] [JPMorgan Chase & Co. Form ARS FY2025 — SEC][1]
- [2] [Chase — official][2]
- [3] [Bank mobile app use reaches 87%: Chase survey — Banking Dive][3]
- [4] [JPMorgan Chase Investor Day Presentation FY2025 — SEC][4]
- <sup>[United States report](https://docs.barcoder.ai/docs/payments/US)</sup> In-corpus: `reports/countries/US-united-states.md`

## Source

Biography extracted from [chase-mobile.md](https://docs.barcoder.ai/source/wallets/chase-mobile). See `matrix.md` for standards-support matrix if present.