Commercial Banking

From startups to legacy brands, you're making your mark. We're here to help.

  • Innovation Economy
    Fueling the success of early-stage startups, venture-backed and high-growth companies.
  • Midsize Businesses
    Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
  • Large Corporations
    Innovative banking solutions tailored to corporations and specialized industries.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Community Impact Banking
    When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
  • International Banking
    Power your business' global growth and operations at every stage.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Asset Based Lending
    Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
  • Equipment Financing
    Maximize working capital with flexible equipment and technology financing.
  • Trade & Working Capital
    Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
  • Syndicated Financing
    Leverage customized loan syndication services from a dedicated resource.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Employee Stock Ownership Plans
    Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

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Institutional Investing

Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Institutional Investors
    Putting your long-tenured investment teams on the line to earn the trust of institutional investors.
  • J.P. Morgan Markets Do. More.
  • Prime Services
    Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
  • Global Research
    Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
  • Securities Services
    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

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Investment Banking

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

  • Center for Carbon Transition
    J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
  • Corporate Finance Advisory
    Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
  • Development Finance Institution
    Financing opportunities with anticipated development impact in emerging economies.
  • Sustainable Solutions
    Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
  • Mergers and Acquisitions
    Bespoke M&A solutions on a global scale.
  • Capital Markets
    Holistic coverage across capital markets.

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Payments

Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

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Private Bank

A uniquely elevated private banking experience shaped around you.

  • Banking
    We have extensive personal and business banking resources that are fine-tuned to your specific needs.
  • Investing
    We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
  • Lending
    We take a strategic approach to lending, working with you to craft the fight financing solutions matched to your goals.
  • Planning
    No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Wealth Management

Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.


  • Invest on your own
    Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
  • Work with our advisors
    When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
  • Expertise for Substantial Wealth
    Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.

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For Companies and Institutions

  • Commercial Banking

    From startups to legacy brands, you're making your mark. We're here to help.

  • Institutional Investing

    Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Payments

    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

  • Credit & Financing

    Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Investment Banking

    Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

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For Individuals

  • Private Bank

    A uniquely elevated private banking experience shaped around you.

  • Wealth Management

    Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

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Who We Serve

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All Insights

Explore a variety of insights.

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Insights by Topic

Explore a variety of insights organized by different topics.

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Insights by Type

Explore a variety of insights organized by different types of content and media.  

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About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

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South Africa ACH Credit Transfers/Direct Debits

What’s Happening?

As part of our multi-year initiative, we transitioned processing of South Africa ACH Credit Transfers and Direct Debits processing to our strategic payments platform.

You Should Know

While there’s no change to the core processing, this resulted in the following changes:

  • J.P. Morgan Transaction Reference Number: Changing from 8 or 10 to 12 characters on your balance and transaction reports and your statements (Bank References).
  • Book Transfers: All South Africa low value transactions instructed will be sent to clearing for processing, including any transactions debiting and crediting two accounts held at the same JPMC branch. This will ensure clients can leverage the standard industry Recall process (as applicable).
  • Payment Cancellations: J.P. Morgan will enhance the timing of the reporting to occur on the processing date instead of the value date.
  • Stale Dated Transactions: Transactions dated more than 30 business days in the past will be rejected. Previously this was 180 business days.
  • Future Dated Transactions: Future dated transactions will be supported with a date up to 365 days. Previously this was 180 days
  • Batch Revaluation and Cancellation: Your file/batch will be automatically revalued for up to 5 business days, and subsequently cancelled if not completed on the 5th day. A report will be generated and sent to your J.P. Morgan Access Cash Reporting Inbox, accompanied with an email notification to users with the entitlements to the J.P. Morgan Access ID. This will be in an Excel format available for download.
Feature Scenario As-is To-be
Transaction Rollover Processing Transactions that do not complete on their originally requested value date are rolled to the next available value date. Credit Transfer Payments:
  • After initial debit with requested value date, your account will be credited back on the same day, and payments will be rolled to the next available value
  • Your account will be re-debited on the next available value date, and credited back the same day if incomplete
  • This process will repeat each day the payment does not complete, unless cancelled
Direct Debit Collections:
  • After initial credit with requested value date, your account will be debited with the same value, on the same day
  • Your Direct Debit Collections are cancelled and not rolled to the next available value date
 Credit Transfer Payments:
  • After initial debit with requested value date, your payments will be rolled to the next available value
  • On the day when the transaction is completed, your account will be credited back for the original value date and re-debited with the achieved value date
  • If cancelled, your account will be credited for the original value date but not be re-debited
Direct Debit Collections:
  • After initial credit with requested value date, your account will be debited with the same value, on the same day, and rolled to the next available value date
  • Rollover will only occur for 2 working days
  • On the day when the transaction is completed, your account will be re-credited with the achieved value date
  • If cancelled, your account will not be re-credited

Questions?

Please contact your service representative.