JPMorgan Chase Email Virus

Also Known As: JPMorgan Chase payment notice virus
Type: Trojan
Distribution: Low
Damage level: Medium

JPMorgan Chase Email Virus removal guide

What is JPMorgan Chase Email Virus?

"JPMorgan Chase Email Virus" is a spam email campaign identical to Bank of America Email Virus and Wells Fargo Email Virus. This campaign is used to proliferate trojan-type malware called Emotet. As with the aforementioned spam campaigns, "JPMorgan Chase Email Virus" emails contain a message stating that a transaction is complete and encourages users to read the attached Microsoft Word document (.doc) for detailed information. This is a scam - the opened file immediately downloads and installs Emotet on the system.

JPMorgan Chase Email Virus malware

As mentioned, "JPMorgan Chase Email Virus" emails encourages users to read the attached MS Word file for detailed information regarding a transaction. In addition, the email is presented as a message from JPMorgan Chase, which is a legitimate company. This technique is very common among cyber criminals. These people hide behind the names of legitimate companies and governmental agencies, since it is much simpler to give an impression of legitimacy and convince users to open malicious files using familiar companies/names. After system infiltration, Emotet starts recording various information such as saved logins/passwords, web browsing activity, and so on. These details might allow cyber criminals access to users' personal accounts (social networks, banks, etc.) Therefore, the presence of the Emotet trojan can lead to significant financial loss and even identity theft. If you have recently opened a "JPMorgan Chase Email Virus" attachment, there is a high probability that your computer is infected. Therefore, you are advised to scan it with a legitimate anti-virus/anti-spyware suite and eliminate all detected threats.

Threat Summary:
Name JPMorgan Chase payment notice virus
Threat Type Trojan, Password stealing virus, Banking malware, Spyware
Symptoms Trojans are designed to stealthily infiltrate victim's computer and remain silent thus no particular symptoms are clearly visible on an infected machine.
Distribution methods Infected email attachments, malicious online advertisements, social engineering, software cracks.
Damage Stolen banking information, passwords, identity theft, victim's computer added to a botnet.
Malware Removal (Windows)

To eliminate possible malware infections, scan your computer with legitimate antivirus software. Our security researchers recommend using Malwarebytes.
▼ Download Malwarebytes
To use full-featured product, you have to purchase a license for Malwarebytes. 14 days free trial available.

There are many trojan-type viruses that have similar characteristics to Emotet including, for example, LokiBot, Adwind, FormBook, and TrickBot. As with Emotet, most trojans are also distributed using spam email campaigns and collect information. In some cases, however, trojans might distribute other viruses (for example, ransomware). In summary, viruses such as Emotet pose a significant threat to your privacy and computer safety.

How did JPMorgan Chase Email Virus infect my computer?

"JPMorgan Chase Email Virus" distributes a malicious Microsoft Word document that, once opened, asks users to enable macro commands, otherwise the content will not be displayed properly. By enabling macros, however, users grant permission to execute commands that stealthily install and download Emotet trojans. This malware distribution method is effective, but has a major flaw. The malicious document is not able to download malware if opened using an application other than MS Word. If the file is opened using other software capable of reading the .doc format, Emotet will not be infiltrated. In addition, this virus is designed to infect the Windows Operating System only and users of other platforms are safe.

How to avoid installation of malware?

Lack of knowledge and careless behavior are the main reasons for computer infections. Caution is the key to safety. Therefore, pay close attention when browsing the Internet. Carefully analyze each email attachment received. If the file seems irrelevant or has been received from a suspicious/unrecognizable email address, it should never be opened - these emails should be deleted without reading. Having a reputable anti-virus/anti-spyware suite installed and running is also paramount. 2010 and newer versions of Microsoft Office open newly-downloaded documents in "Protected View" mode, which prevents malicious documents from downloading/installing malware. Therefore, using older versions of MS Office is risky. If you have already opened a "JPMorgan Chase Email Virus" attachment, we recommend running a scan with Malwarebytes for Windows to automatically eliminate infiltrated malware.

Text presented in the "JPMorgan Chase Email Virus" email letter:

Subject: Your new JPMorgan Chase payment notice
Allow up to 2 days for this transaction to post to your account.
View your detailed information below.
Thank you for using JPMorgan Chase. Smart Banking for the Good Life.
With gratitude,
Daniel Johnson
Head of Bus Banking Customer Support
Thank you for being our customer.
Do not reply directly to this email box.
This email address is for notification purposes only and you will not get a reply.

Malicious attachment distributed via "JPMorgan Chase Email Virus" spam campaign:

Malicious attachment distributed through JPMorgan Chase Email Virus spam campaign

Update January 31, 2019 - "JPMorgan Chase" email spam campaign is also used to proliferate a high-risk trojan called TrickBot.

Screenshot of the "JPMorgan Chase" email letter distributing TrickBot (malicious MS Excel attachment):

JPMorgan Chase email spam campaign proliferating TrickBot

Text presented within this letter:

Subject: FW: Incoming Confirmation


Please find attached incoming confirmation for your attention in due course

Jane McMillan

Tax Senior | JPMorgan

270 Park Avenue, Manhattan, NY 10017

Tel: 212 270 6000 |

Please consider the environment before printing.


This message (including any attachments) contains confidential information intended for a specific individual and purpose, and is protected by law. If you are not the intended recipient, you should delete this message and any disclosure, copying, or distribution of this message, or the taking of any action based on it, by you is strictly prohibited.

Screenshot of malicious attachment asking to enable macro commands:

JPMorgan Chase attachment proliferating TrickBot

Update May 30, 2019 - Crooks have started using "JPMorgan Chase" email spam campaign to steal personal data. They send email letters encouraging recipients to verify their accounts by logging in. The email also contains a link to login page, which is actually a malicious website designed to save entered credentials in a remote server.

Screenshot of such email:

JPMorgan Chase phishing email

Text presented within this email:

Hi *,
your CHASE to avoid termination
May - month of fraud prevention
In May, the month of fraud prevention, you have been selected to confirm your on-file details.
This is a normal process which helps us enforce safeguard measures for your online safety.
Start processnote: Failure to act will result in online limitations.

©2019 JPMorgan Chase
All Rights Reserved.

Conditions apply.

Have questions? Contact us online or call us at 1-888-424-4622.

Screenshot of deceptive site:

JPMorgan Chase phishing website

A variant of JPMorgan Chase-themed spam email used to spread Remcos RAT:

JPMorgan Chase-themed spam email distributing RemcosRAT malware

Text presented within:

Subject: JPM Chase QuickPay Remittance Advice_00217052020

A Chase QuickPay℠ Message
Accounts Receivable Dept
You received a payment
Our Customer sent you money through Chase QuickPlay(R) with Zelle (SM) and we're processing the payment.
If you are a Chase Bank account holder, you'll be able to access funds from this payment within 12 hours.
All other account holders will get their payment within two business days.

Payment Details:
Amount: $5,550 (USD)
Beneficiary Email: -
ACH Remittance Advice

See attached file for your remittance details.
If you're not the right person for this notice,kindly forward to the appropiate Accounts Receiveable contact.


The QuickPay Team

Your personal information is protected by advanced technology. For more detailed security information,view our Online Privacy Policy. To request in writing: Chase Privacy Operations, P.O Box  659752,San Antonio TX. 78265-9752

Screenshot of the malicious MS Excel document ("JPM Chase Remittance Advice-0012702020.xlsm") attached to this email:

RemcosRAT-injecting malicious MS Excel document distributed using JPMorgan Chase-themed spam emails

Example of yet another JPMorgan Chase-themed spam email used for phishing purposes:

JPMorgan Chase-themed phishing email

Text presented within:

Subject: Payment Authorization
Download Capital One App
Visit Capital One    Sign In
Thanks for scheduling your payment.
Confirmation Number:  XXXXXXXXX92491


Thanks for scheduling your credit card payment with Online Banking. Here are the details:

Payment amount:    $650.00
Posted date:                            July 05,2020
If something doesn't look right to you, cancel scheduled payment now and review your details. We're here to help you, 24 hours a day, 7 days a week.

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 c 2020 Chase Bank. Chase Bank is a federally registered service mark.

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How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Malwarebytes for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1 Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":


manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck the "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will not run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Malwarebytes for Windows.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

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Removal Instructions in other languages
Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

QR Code
JPMorgan Chase payment notice virus QR code
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