Chase fails to tell you when signing up that your "debit" card is actually treated like a "credit" card. It will continue to allow you to "withdrawl" money that isn't there. I used my Chase debit card on a road trip across country, charging things like coffee for a $1, food for $4, so on and so on.
When I checked my account I had a negative balance of 800 and some odd dollars. Chase charged me about $630 in insufficient funds fees, you can do the math and see my actual purchases were way less than insufficient funds fees. I called the bank and told them this was outrageous, how in the world could they charge me that amount of IFFs on my amount for purchases. They told me there is no cap as to how much they can penalize me in one day or all together.
They did reduce the fees for me after a lot of phone calls, talking to different people, and stress on my end. I would recommend people don't use Chase. I told them that when my balance was $0 I would be closing my account. They told me I could get overdraft protection, I'll pass - and after reading other people's stories in regards to that, I know it doesn't really do you any good to have it. Just another way for them to make money.
My advice - go to a credit union. They are much better to deal with.
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