Government banking
Providing innovative, effective and secure financial solutions for the diverse communities we serve.
We help publicly funded entities of all sizes spend less time on day-to-day banking and more time serving their constituents.
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 over 200 government banking professionals supports budgetary, treasury, billing, collections, financing and liquidity needs.
Investment
Our $18 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 over 2,100 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 over 1,000 cities, 600 counties and 650 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 engages 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 security
We invest $18 billion in technology annually to support our clients.
Our ongoing investment in treasury services technologies keeps pace with your evolving needs while helping you build resiliency with the latest cybersecurity practices.
We've established three cybersecurity operations centers dedicated to building threat and fraud intelligence, developing digital forensics and defending against cyber threats.
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
Our business is only as strong as the communities we serve.
We’ve hired 149 Community Managers1 and opened 16 community center branches1 in underserved communities around the country. These centers provide a variety of services, including banking, financial health workshops, small business pop-ups and skills development courses. Over 434,000 attendees have been reached through financial health workshops1.
Since 2021, we have also:
1 Metrics from 2023.
2 The $5,000 Chase Homebuyer Grant increased to $7,500 in select communities in January 2024. Data above reflects grant totals as of December 2023, at the $5,000 level only.
The metrics shown here are derived from a variety of public and private sources, including data that were self-reported by JPMorganChase grant recipients. JPMorganChase has not independently verified these data and makes no representation or warranty as to the quality, completeness, accuracy or fitness for a particular purpose. The metrics as reported are not directly tied to funds or other support provided by JPMorganChase but rather are a result of a variety of factors. To learn more, visit www.jpmorganchase.com/impact.
Innovative products and services
Manage your banking digitally, safely and efficiently with our lineup of treasury products and services.
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.
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.
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 card reports nearly 0% fraud.
Visit Virtual Card for more information.
Lockbox
Lockbox services can help you post receivables quickly, reduce exceptions and strengthen your cash position. We own and operate our full-service nationwide lockbox network of processing sites. Automated wholesale and scannable services are available.
Visit Lockbox for more information.
Use the links below to explore more of our core offerings.
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.
GENERAL DISCLAIMER: © 2025 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Visit jpmorgan.com/cb-disclaimer for disclosures and disclaimers related to this content.
