I traded out of my ally leased JK about 5 months early and got $5-6k more than the “payoff”.Neither of the above will allow you to trade or sell your lease, either. With Ally and USBank, you have only two choices - buy it out yourself, or turn it in to the bank.
Never lease with these banks, always use the captive bank (like Chrysler Capital for instance).
If your lease is with CCAP, you can take it to any dealer and get a trade offer, or you can use Carvana or Vroom online. With a Wrangler, especially right now, you are pretty much guaranteed to have several thousand in "equity".