Since Chase purchased Bank One, their mission statement went from "Where the right relationship means everything" to "Let's save a billon dollars and take away all the benefits and customer service from our customers and employees.
Instead of charging an Insufficent fee for one check presented, they changed the policy to paying the largest item first and charging a fee for all the smaller items, like bank card purchase and debit card purchase already authorized and deducted from your checking account.
Regardless of the situation, their policy is not to credit the customer any fees for any reason, even if it is their fault because they did not post transactions online or via the automated system because they were changing systems because of the merger. Maybe you can get a courtesy of you do not reach so poor employee who was trained for a week and is being paid just above minimum wage to give a crap about your situation.
Chase's internet banking was down for about a month and they sent out a letter saying "We know how important your internet banking is to you, but it will be up again, with no estimated time frame. Chase changed their whole Internet system and not for the better. There is less information on it and is not user friendly, but they saved money. It took over 3 hours or more to get through to a Quicken tech to help you set it up all over again, that is if you waited. Remember, the majority of the Quicken users are Business', like they had time to do that.
The point is before the merger Chase cared about their customers and employees and spent alot of money on how to keep them happy. Now is it about making the company money and customer satisfaction went out the door. However, the stock has not gone up, but they did save over a billon dollars in one year, only by taking away from the customer and charging them for everything.