I was recently in the process of relocating to the US after 6 years living abroad. In preparation, I opened a Chase checking, savings, and credit card account on a visit to the US a couple of months before my move.
Over those months I transferred significant sums to these account - all which were accepted by Chase without question. Then I tried to make a payment to my US landlord for an amount far, far, far less than my current balance and following a detailed email communication with Chase about doing so. Then - they cancelled the payment, notified my landlord to contact me regarding why (of course I didn't know why), and shutdown online access to my accounts - the only access I had 10,000 miles away! When I emailed about not having online access the response stated that they could only help with emails sent after logging in to the online service.
When I called, they told me that I needed to go into the branch where I had opened the account to regain access. Not to be redundant, but I was 10,000 miles away! Suspected fraud I was told. Clearly the line between protecting the bank and serving the customer has shifted far to the bank's benefit - there was literally no way for me to access MY money until I returned to the US.
I should have known better after previous experiences including being lectured by a phone representative about my obligation to payback what I owe when I proactively called to inform them of a failed international transfer that would delay my payment and being denied access to the value of a cashier's check for 3 weeks even after Chase confirmed with the woman who sold it to my husband and me (at the bank across the street literally minutes earlier) that it was valid and she personally remembered me. I was wrogly tempted by the perceived convenience of so many branches...
Oh - and the topper is that Chase charged me a $25 account closure fee per account. Summary - they accepted deposits - blocked withdrawals - then charged me to get my money back.
Product or Service Mentioned: Chase Bank Checking Account.