Where do i begin? Long story short, my identity was stolen and the person who stole it died. So chase, thinking i was dead, put a hold on my account so i couldnt get to my hard earned money. All that was necessary for me to do was to go to the social security department, fill out some papers, and bring them to chase bank so they send out a fax (which is almost instantaneous). I was supposed to have my account up and running the next day.
The next day i went back to chase to see if it was fixed and they dont remember me being there. I had to go back to the social security department 3 more times to re-do all of this again and again and finally after the 3rd week they finally re-opened my account. My paychecks were still being deposited but i couldnt withdraw or make a bill payment in the entire 3 weeks it took for chase bank to send an instantaneous fax.
The irony of it all is that while extremely furious and going through all of this, 2 of the bankers i "helped" me said that i should rob a bank while i still dont have an identity. I should have just robbed all the money they held from me and them burned the bank to the ground. All of this trouble when all i simply had to do was to never pick chase bank!! They suck!!
Yesterday I spent 4 hours online internationally from the Netherlands attempting to wire funds out of my checking account. What takes a number of seconds in the Netherlands with updated banking systems takes half a work day in the US. And still the wire failed. Why? Not because I did this incorrectly or did not have the funds - but because I couldn't answer arcane security questions such as when did you open up your bank account and at what address (some 25 years ago)?
If I didn't produce the exact date and exact address I failed this question. Other questions such as why are you transferring this money were also posed as security questions and since I refused to divulge personal information the transfer was rejected. Moreover, the online transfer website doesn't work for international customers who don't have a US telephone. And the online support had to provide activation codes. Further, I had to provide my log-in codes and passwords some 8 times as I was re-directed 8 times to different departments.And most of these conversations were completely incomprehensibly because of an incredibly bad connection. Now I am forced to wait 24 hours to attempt once again to transfer MY money for my personal use.
Finally, my Chase credit card charged some 180 dollars in fees to purchase international plane tickets with American dollars paid from my Chase checking account to an American company (Delta). They claimed that these fees were conversion fees and sent me a form letter when I protested. These are utterly usury and corrupt business practices. I will be ending my account with CHASE as soon as possible.
Although the interest rate is really low, you can't beat free checking. Also, I can manage my Chase Freedom credit card from the same website, so that's a plus.
Since I've had the account for quite a while now, I can honestly say it's a great bank. They've caught fraud on my account twice and reversed all charges.
Updated to add branches.