Interestingly, the ONE time I was offered to have a fee waived by a Chase representative was today – when I was asking about how to finally close out my account. I have let it run down and changed all my bill pays, but there is one I missed, my Geico car insurance. It went through, I overdrew my account, and was assessed a $35 fee. On the phone, the rep comped me this fee. I had to laugh, since I have never ever been offered that before. Too little, too late.
here is an account of the laughable experience I had with trying to deposit checks. In and of itself, not a big deal - but indicative of how they deal with their customers. I am no longer a Chase customer as a result.
I got married this year and received checks from family in Canada. Relatives wrote their checks from Canadian accounts but the checks are U.S. Dollars. First road bump - the ATM at my local Chase branch won’t take them and says to speak with a teller. Fair enough.
I first go to the customer service person to make sure there isn’t a problem with the check (since the ATM didn’t specify why it was rejecting it). He assures me the check is fine and just to go to the window to deposit it. He doesn’t mention fees even though he sees (and I specifically point out) that it is a check from another country but in U.S. dollars.
The teller starts to process my check. About a third of the way through, she says there may be a fee for processing.
I ask how much. Amazingly she isn’t able to tell me because she doesn’t know the amount of the fee. She has a guess of $45. This is on a $200 check.
I offer to sit and wait while she finds out, and then I can decide if I’ll deposit it. She says she can’t find out how much – she isn’t even sure when in the process the fee gets levied. The most I can find out from her is that the fee will be decided and assessed at some point in the future, and it won’t be on-site in the branch.
I don’t want to pay a potentially 25% fee, and so I don’t deposit the check in my Chase account. I go to TD Bank, where my husband and I have a saving account, and deposit it, no problem, no questions asked. I also deposit the three other checks I received from Canadian friends and relatives into that same account.