Dude, all I know is that I was using chase for one of my businesses for 3 years, millions of dollars coming in via Intuit payments -- no problems, then I switched from Intuit for ACH to using Seamlesschex.com, and then after the first batch, they locked up my business bank account, and then after a few months talking to a call center in india, with the bank manager sitting there (there is nothing they can do when they automatically lock your account), the people in india saying they will "never" return the hundreds of thousands in the account they locked up, I filed a lawsuit against Chase in civil court the same day, and then a month later, the attorney representing the case mails me a check for the full amount they stole from the account. I understand risk, but this was months later, all ACH payments, and everyone knew they owed this money. My only regret was not charging them with theft/fraud and 3x the money back for damages. Bottom line -- don't use Chase for anything. They suck.