Government banking

We help publicly funded entities of all sizes modernize payments at scale.

Have questions? We’re here to help. Reach out to your local J.P. Morgan contact at any time.

Why J.P. Morgan?

When you work with us, you benefit from access to cutting-edge products and services, plus:

Experience

We’ve been addressing the challenges faced specifically by public entities since our founding in 1799.

Dedication

A team of more than 230 professionals dedicated to government banking, supporting budgetary, treasury, financing, and liquidity needs.

Investment

Our $19.8 billion investment in technology helps keep your assets and information protected.

Community

We’re helping to build stronger communities across the U.S. and the globe.

Experience with public entities

We serve more than 2,200 public entity clients across the United States—from cities and counties to school districts and transit authorities. Our bankers bring specialized knowledge across all areas of your operations.

An understanding of your credit needs
We've extended nearly $8 billion in credit to state and local governments. We’ll work with you to find the right solution to meet your capital improvement project, equipment leasing and other debt financing needs.

Support for your critical projects
For more than 200 years, we’ve supported projects related to planning, development, tax processing and disaster relief, among other vital activities.

Local presence
We do business in all 50 states—in fact, we are the only bank that can accept government deposits in all 50 states and Washington, D.C. We’re honored to count more than 1,200 cities, 300 counties and 625 school districts among our clients.

You're in good company

Dedication to your needs

Our people are what separate us from the rest.

Collaboration
Your relationship team works with you to understand and anticipate your needs based on industry challenges and your strategic goals.

Service
Our Client Service team works with you to quickly resolve day-to-day issues and proactively engage internal partners when needed.

Experience
A tenured range of stakeholders helps you transition to a more digital economy, while stressing accountability and transparency. You’ll find that we work hard to create a culture of innovation across everything we do.

Investment in innovation

We aim to deliver payments modernization at scale, helping your public dollars work harder.

We invest $19.8 billion annually to support our clients.

J.P. Morgan ranked #1 for overall artificial intelligence (AI) capabilities on the Evident AI Index for the fourth year in a row
The suite of J.P. Morgan Trust & Safety solutions can help you authenticate account ownership, identify payment risk and validate consumer and business accounts.
As a client, you’ll benefit from access to expert guidance on cybersecurity issues. Your relationship team will even help you run cybersecurity tabletop exercises to put that guidance into practice.

Commitment to our communities

The strength of our business is linked to the vitality of our customers and communities.

As champions of banking’s essential role in a community, we bring people together, enable companies and individuals to attain their goals and serve as a source of strength in difficult times. In the past year, we have launched two initiatives that bring the full force of the firm to develop solutions to complex challenges.

Our American Dream Initiative (ADI) focuses on how J.P. Morgan can help support the stability, health and vibrancy of the communities we serve. The ADI marks the launch of a firmwide effort to support 10 million small businesses. Through business and philanthropic investments, policy advocacy and local work, we strive to make an impact in the following five areas: financial health, careers and skills, housing access and affordability, business growth and entrepreneurship and healthcare access.

The Security & Resiliency Initiative (SRI) is a $1.5 trillion, 10-year plan to facilitate, finance and invest in industries critical to national economic security and resiliency. The firm will make $10 billion in initial direct equity investments in select companies, primarily in the U.S., to enhance growth, spur innovation and accelerate strategic manufacturing.

Innovative products and services

Manage your banking digitally, safely and efficiently with our lineup of treasury products and services.

Strategic Payables

An automated B2B payment solution that streamlines your accounts payable. Strategic Payables reduces manual processes, enhances security and improves supplier management, offering you and your suppliers a secure and efficient payments experience.

Reach out to your local J.P. Morgan contact to learn more.

J.P. Morgan Concourse™

Facilitate payments¹ between you and your constituents using a single integration point. Concourse’s website experience enables you to securely initiate electronic payments to constituents using their email address. Constituents can select their payment preference.

Visit J.P. Morgan Concourse for more information.

¹ USD and CAD payments. CAD limited to EFT and check payment options.

Digital Bill Payment

An innovative bill presentment and payments solution that grows with you. You can now offer more payment choices and next-business-day settlement. Plus, track incoming payments across channels such as web, text and more—all on a seamless, self-service portal.

Visit Digital Bill Payment for more information.

Virtual Card Services

Choose from a variety of card options to help efficiently manage and monetize payments. Virtual Card, a secure, one-time use card number, helps reduce costs by converting payments from paper to electronic. Virtual cards report nearly 0% fraud.

Visit Virtual Card for more information.

Use the links below to explore more of our core offerings.

Account Validation Services

Merchant Services

Lockbox

Fraud Prevention

Thank you.

Whether you have questions or you’re ready to get started, our team is here to help. Please reach out to your J.P. Morgan contact.