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Old August 5th, 2009, 08:56 PM   #1
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Default Anyone have chase bank

I got a coupon where I get $125 if I open a checking account and use the debit card 5 times within 60 days. Huntington sucks, and I have been thinking about trying a new bank for a while, and this seems like a good time to do it. Just want to know if there is anything to know about them?
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Old August 5th, 2009, 09:41 PM   #2
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The one main thing that pisses me off about them is.....Let's say I make 5 purchase's for $3-$5 purchases before 10 a.m., and then I make a purchase at 9 p.m. for $100 and that makes me go into the negative. They will run the $100 first, and then charge me $37.50 for the 5 purchases of $3-$5, and say well it's our policy to run the highest first. I thought debit cards where suppose to be instant, and it shows up instant on my online statement. Over the years this has cost me at least $750, I know kind of self induced, but still a bullshit policy.

That is another question is, doe's anyone know if this is chase's policy too?
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Old August 5th, 2009, 10:15 PM   #3
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My wife and I bank with Chase, I have no idea if the policy about running the big purchases first is their policy as well though. We have never had a low enough balance to have to worry about that but I do recall reading somewhere that that policy is pretty common practice for most of the larger institutions.

No major complaints except that their fees for services are higher than our credit unions and the rates on mortgages were worse than any of our credit unions. The only positive that I see with Chase is the many many branches which can be pretty convenient. If it were up to me we would completely switch everything over to one of our credit unions (MSUFCU and Navy Federal Credit Union) but my wife isn't big on change so...

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Old August 5th, 2009, 11:54 PM   #4
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I've never really had any issues with them. I initially went with them because I got higher interest savings, etc... due to my last employer.
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Old August 6th, 2009, 12:34 AM   #5
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I like having Chase. I used to have Wells Fargo down here but the problem was, I still used that bank when I was in MI and there aren't really any Wells Fargo banks over there. Plus they would screw me over a bit sometimes with transactions. Sometimes it would take a crapload long time to make a transaction.
With Chase/Wamu I apparently can do my banking all around the country pretty much.
So far I haven't really gotten screwed over but as I've learned with banks, it's much better to have over like 10 bucks in my account.
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Old August 6th, 2009, 07:27 AM   #6
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Have had Chase for 10 years. No problems, once refunded a horrible snafu on my own stupidity of about $1100 in bounce check fees.

If you open the account you have to maintain the account for so many months. They used to send me $100 certificates several times a year, I would always use them.

Chase is one of the few banks around that are successful, mainly due to to the low risks they take.
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Old August 6th, 2009, 07:31 AM   #7
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I've been with NBD since I was 9

Then it switched to bank one, and now Chase.

Never had a problem. Even when I accidentally transferred x amount from my checking to my savings instead of the other way around, and received a overdraft fee, I simply called them and they reversed it for me without issue.
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Old August 6th, 2009, 07:36 AM   #8
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I've had no problems. I think I was 10 when I joined. WOW that's 23 years I have been with them.
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Old August 6th, 2009, 08:15 AM   #9
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My fiancee works for chase, great bank IMO. I have been with them for just over a year now and couldn't be happier.
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Old August 6th, 2009, 09:41 AM   #10
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I got pulled into Chase from having a Bank One account in Ohio years ago and currently have an Auto Loan with them. I haven't used their site all that much, but I recall hearing that it has won a few awards for functionality/layout/ease of use when it comes to payments, transfers, and Bill Pay. I do like the abundance of branches and ATM's, which is also one of the reasons I keep an acocunt with Bank of America.
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Old August 6th, 2009, 09:47 AM   #11
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Quote:
Originally Posted by booblinker View Post
The one main thing that pisses me off about them is.....Let's say I make 5 purchase's for $3-$5 purchases before 10 a.m., and then I make a purchase at 9 p.m. for $100 and that makes me go into the negative. They will run the $100 first, and then charge me $37.50 for the 5 purchases of $3-$5, and say well it's our policy to run the highest first. I thought debit cards where suppose to be instant, and it shows up instant on my online statement. Over the years this has cost me at least $750, I know kind of self induced, but still a bullshit policy.
Whether or not its a bullshit policy you seriously need to look into overdraft protection.
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Old August 6th, 2009, 10:16 AM   #12
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Quote:
Originally Posted by booblinker View Post
The one main thing that pisses me off about them is.....Let's say I make 5 purchase's for $3-$5 purchases before 10 a.m., and then I make a purchase at 9 p.m. for $100 and that makes me go into the negative. They will run the $100 first, and then charge me $37.50 for the 5 purchases of $3-$5, and say well it's our policy to run the highest first. I thought debit cards where suppose to be instant, and it shows up instant on my online statement. Over the years this has cost me at least $750, I know kind of self induced, but still a bullshit policy.

That is another question is, doe's anyone know if this is chase's policy too?
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Sounds like you need to watch your spending. And as stated, get overdraft protection.
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Old August 6th, 2009, 10:32 AM   #13
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I bank with Huntington, no issues yet.

My credit card however is Chase (for cash rewards), no problems there either.
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