Opt-Out Window Finder

Opt out of your credit card's forced arbitration

Most big-bank cards make you sign away your right to sue — disputes get pushed into private arbitration. But many issuers let you opt out and keep your right to go to court or join a class action, if you send written notice within a short deadline (often 30–60 days of opening the account). Of the 142 issuers that force arbitration, 93 appear to offer an opt-out.

How to opt out

1Find your issuer in the list below (or open its page from any card's Contract X-Ray).
2Read the exact instructions and mailing address in the filed agreement — CardSleuth quotes the opt-out clause verbatim and links to the source PDF.
3Send a written rejection before the deadline — the clock usually starts the day your account opens. Keep a dated copy and proof of mailing.

Active-duty servicemembers covered by the Military Lending Act generally can't be bound by these arbitration clauses at all. This page is information, not legal advice.

Opt-out letter template

Fill in the brackets, mail it to the address in your agreement, and keep a copy.

[Your full name]
[Your mailing address]
[Date]

[Issuer name]
[Address from your cardholder agreement]

Re: Rejection of Arbitration Provision — account ending in [last 4 digits]

To whom it may concern:

I am writing to reject and opt out of the arbitration provision in the
cardholder agreement for the account referenced above, as permitted by that
agreement. This rejection applies to all claims and disputes.

Please confirm in writing that my rejection of the arbitration provision has
been received and processed, and that it will not affect any other terms of my
account.

Sincerely,

[Signature]
[Printed name]

Find your issuer

Every issuer whose filed agreements force arbitration — and whether we found an opt-out.

142 issuers that force arbitration

Issuer	Opt-out	Deadline
1st Century Bank, National Association	You can opt out	45 days
American Express National Bank	You can opt out	45 days
American Express Travel Related Services Company, INC.	You can opt out	45 days
Applied Bank	You can opt out	—
Banco Popular De Puerto Rico	You can opt out	90 days
Bangor Savings Bank	You can opt out	—
Bank Of Missouri, The	You can opt out	60 days
Bank Of The West	You can opt out	30 days
Beacon Bank & Trust - Berkshire Bank Branch	You can opt out	—
Beneficial State Bank	You can opt out	—
Bmo Bank National Association	You can opt out	—
Capital Bank	You can opt out	—
Capital Bank, National Association	You can opt out	—
Capital Community Bank	You can opt out	25 days
Capital One, National Association	You can opt out	30 days
Card Assets	You can opt out	—
Celtic Bank Corporation	You can opt out	23 days
Chase Bank USA, National Association	You can opt out	—
Citibank, N.A.	You can opt out	45 days
Citizens Bank, National Association	You can opt out	—
Civic Federal Credit Union	You can opt out	—
Coastal Community Bank	You can opt out	—
Column National Association	You can opt out	—
Comenity Bank	You can opt out	—
Comenity Capital Bank	You can opt out	—
Commerce Bank	You can opt out	60 days
Community Federal Savings Bank	You can opt out	—
Continental Bank	You can opt out	30 days
Cortrust Bank National Association	You can opt out	30 days
Credit First National Association	You can opt out	30 days
Credit One Bank, National Association	You can opt out	—
Credit Union West	You can opt out	30 days
Cross River Bank	You can opt out	—
Dart Bank, The	You can opt out	30 days
Discover Bank	You can opt out	30 days
Erickson Petroleum Corporation	You can opt out	—
Evolve Bank & Trust	You can opt out	—
First Arkansas Bank And Trust	You can opt out	—
First Bank & Trust	You can opt out	60 days
First Choice Bank	You can opt out	—
First Commonwealth Bank	You can opt out	30 days
First Electronic Bank	You can opt out	—
First Horizon Bank	You can opt out	10 days
First National Bank Of Pennsylvania	You can opt out	—
First Premier Bank	You can opt out	20 days
FirstMerit Bank N. A.	You can opt out	—
FourLeaf Federal Credit Union	You can opt out	—
Goldman Sachs Bank USA	You can opt out	—
Great American Finance Holdings, LLC	You can opt out	60 days
Hsbc Bank USA, National Association	You can opt out	—
Huntington National Bank, The	You can opt out	—
Jpmorgan Chase Bank, National Association	You can opt out	—
Keybank National Association	You can opt out	60 days
Lead Bank	You can opt out	30 days
Los Angeles Police Federal Credit Union	You can opt out	60 days
M&T Bank Corporation	You can opt out	—
Merchants Bank, National Association	You can opt out	—
Merrick Bank	You can opt out	60 days
Midfirst Bank	You can opt out	45 days
Mission Lane LLC	You can opt out	—
Mrv Banks	You can opt out	—
Patriot Bank, National Association	You can opt out	30 days
Pinnacle Bank	You can opt out	30 days
Pinnacle Bank - Synovus Bank Branch	You can opt out	—
PNC Bank N.A.	You can opt out	—
Pnc Bank, National Association	You can opt out	—
Preferred Credit INC	You can opt out	30 days
Premier America Credit Union	You can opt out	—
Redwood Credit Union	You can opt out	—
Republic Bank & Trust Company	You can opt out	—
Royal Credit Union	You can opt out	—
S.C. State Federal Credit Union	You can opt out	—
Santander Bank NA	You can opt out	—
Santander Bank, National Association	You can opt out	—
Social Finance, LLC	You can opt out	—
Sofi Bank, National Association	You can opt out	—
State Employees Credit Union	You can opt out	—
Stride Bank, National Association	You can opt out	45 days
Summit Credit Union	You can opt out	—
Sunrise Banks, National Association	You can opt out	—
Synchrony Financial	You can opt out	45 days
Technology Credit Union	You can opt out	—
Texas Dow Employees Credit Union	You can opt out	—
Transportation Alliance Bank, INC. Dba Tab Bank	You can opt out	—
Truist Bank	You can opt out	—
Truliant Federal Credit Union	You can opt out	—
Trustmark Bank	You can opt out	—
Valley Strong Credit Union	You can opt out	60 days
Webbank	You can opt out	30 days
Wilmington Savings Fund Society, Fsb	You can opt out	—
Wings Credit Union	You can opt out	—
WSFS Bank	You can opt out	—
Zions Bancorporation, National Association	You can opt out	—
1st Financial Bank USA	No opt-out found	—
Achieva Credit Union	No opt-out found	—
Ally Bank	No opt-out found	—
AMC FS, Inc.	No opt-out found	—
Bancorp Bank National Association, The	No opt-out found	—
Barclays Bank Delaware	No opt-out found	—
Bb&T Corporation	No opt-out found	—
Cadence Bank	No opt-out found	—
CoinX, Inc.	No opt-out found	—
Dsrm National Bank	No opt-out found	—
EarnIn US1 LLC	No opt-out found	—
Farm Bureau Bank Fsb	No opt-out found	—
Fifth Third Bank, National Association	No opt-out found	—
First Financial Bank	No opt-out found	—
First International Bank And Trust	No opt-out found	—
First Interstate Bank - Sioux Falls Downtown Branch	No opt-out found	—
First National Bank Of Omaha	No opt-out found	—
Firstbank	No opt-out found	—
Florida Credit Union	No opt-out found	—
Founders Federal Credit Union	No opt-out found	—
Green Dot Bank	No opt-out found	—
Hills Bank And Trust Company	No opt-out found	—
Houston Federal Credit Union	No opt-out found	—
Hudson Valley Federal Credit Union	No opt-out found	—
Independent Savings Plan Co.	No opt-out found	—
John Deere Financial, F.S.B.	No opt-out found	—
Listerhill Credit Union	No opt-out found	—
Mbank	No opt-out found	—
Michigan State University Federal Credit Union	No opt-out found	—
Nebraska Furniture Mart, Inc.	No opt-out found	—
Newtown Savings Bank	No opt-out found	—
One Nevada Credit Union	No opt-out found	—
Palmetto Citizens Federal Credit Union	No opt-out found	—
Patelco Credit Union	No opt-out found	—
Randolph-Brooks Federal Credit Union	No opt-out found	—
Regions Bank	No opt-out found	—
San Diego County Credit Union	No opt-out found	—
Security Service Federal Credit Union	No opt-out found	—
Simmons Bank	No opt-out found	—
Team One Credit Union	No opt-out found	—
Texell Credit Union	No opt-out found	—
Trumark Financial Credit Union Dba Trumark Credit Union	No opt-out found	—
U.S. Bank National Association	No opt-out found	—
Ubs Bank USA	No opt-out found	—
Union Bank	No opt-out found	—
Usaa Federal Savings Bank	No opt-out found	—
Varo Bank, National Association	No opt-out found	—
Wells Fargo & Company	No opt-out found	—
Wells Fargo Bank, National Association	No opt-out found	—

Opt-out availability and deadlines are detected automatically from issuers' CFPB-filed agreements and rolled up to the issuer level; always confirm the exact window and address in your own agreement before relying on it. See the underlying analysis on Contract X-Ray.