Have you tried opening a Total Checking account in-branch? Try to get a desk where the banker has the CPC business cards (Silver octagon). I don't have any issues with Chex/EWS but the CPC banker was far better than others I've dealt with, to the point of knowing what I meant when I mentioned 5/24! 
@Anonymous wrote:Have you tried opening a Total Checking account in-branch? Try to get a desk where the banker has the CPC business cards (Silver octagon). I don't have any issues with Chex/EWS but the CPC banker was far better than others I've dealt with, to the point of knowing what I meant when I mentioned 5/24!
I'm not sure how that would make a difference, though. If I'm denied online, what would the banker be able to do? I'm sure they don't have the power to override Early Warning Systems. I think a Liquid card would solve the issues I need. I mean it's $60 a year, the cost of one electric bill for me, so basically pocket change.
That and how do you get a desk to work with someone from the private client division?
@Anonymous wrote:
@Anonymous wrote:Have you tried opening a Total Checking account in-branch? Try to get a desk where the banker has the CPC business cards (Silver octagon). I don't have any issues with Chex/EWS but the CPC banker was far better than others I've dealt with, to the point of knowing what I meant when I mentioned 5/24!
I'm not sure how that would make a difference, though. If I'm denied online, what would the banker be able to do? I'm sure they don't have the power to override Early Warning Systems. I think a Liquid card would solve the issues I need. I mean it's $60 a year, the cost of one electric bill for me, so basically pocket change.
That and how do you get a desk to work with someone from the private client division?
I don't know with certainty if they'll be able to override EWS, but there's always a chance. Collectively on the forums we know that branches and online work differently in more ways than one, both on credit and deposit sides. I'm fairly certain CPC bankers have more knowledge and more permissions in the system to make changes than regular bankers. They're almost like lending for deposit accounts vs. the front-line reps.
All three branches at which I've gone to a desk have the CPC bankers on the right and the regular bankers on the left. You can check that your branch has CPC at https://privateclient.chase.com/. If you get up to their desk and their business cards have a silver octagon, you're good to go. If it's a blue octagon, just ask a generic question about a checking account or credit card and walk out. Heck, somebody on here got a CPC banker to give them their number to app for the JPM Reserve even...
@Anonymous wrote:
@Anonymous wrote:Have you tried opening a Total Checking account in-branch? Try to get a desk where the banker has the CPC business cards (Silver octagon). I don't have any issues with Chex/EWS but the CPC banker was far better than others I've dealt with, to the point of knowing what I meant when I mentioned 5/24!
I'm not sure how that would make a difference, though. If I'm denied online, what would the banker be able to do? I'm sure they don't have the power to override Early Warning Systems. I think a Liquid card would solve the issues I need. I mean it's $60 a year, the cost of one electric bill for me, so basically pocket change.
That and how do you get a desk to work with someone from the private client division?
Because the problem with opening an account online could just be an ID verification problem. Or if there is a flag on your EWS report you might convince a bank officer that it is an error, if you have your credit reports frozen that could be a flag on EWS. And you can request your report from EWS to check it yourself.
@DaveInAZ wrote:
@Anonymous wrote:
@Anonymous wrote:Have you tried opening a Total Checking account in-branch? Try to get a desk where the banker has the CPC business cards (Silver octagon). I don't have any issues with Chex/EWS but the CPC banker was far better than others I've dealt with, to the point of knowing what I meant when I mentioned 5/24!
I'm not sure how that would make a difference, though. If I'm denied online, what would the banker be able to do? I'm sure they don't have the power to override Early Warning Systems. I think a Liquid card would solve the issues I need. I mean it's $60 a year, the cost of one electric bill for me, so basically pocket change.
That and how do you get a desk to work with someone from the private client division?
Because the problem with opening an account online could just be an ID verification problem. Or if there is a flag on your EWS report you might convince a bank officer that it is an error, if you have your credit reports frozen that could be a flag on EWS. And you can request your report from EWS to check it yourself.
I believe it's Early Warning Systems.
I opened a new Bank of America safe balance account on 1/1/18. I funded it, and then one night I tried to log into the app, it prompted me to enter my password instead of use touch ID. When I typed in the password, it said my account no longer existed. I called customer service who transferred me to the whatever risk department, who then advised Bank of America has a right to close my accounts whenever they want. The account was open for like six days and I recieved my debit card in the mail two or three days later.
When I received the account closure letter, they noted Early Warning System as the reason for closure. I'm pretty sure I've never owed a bank money because of overdrafts or other fees in the past. Not sure why this joke of a company flags perfectly good people. I mean what if I submitted my direct deposit for my new account to my employer already? BoA should have just denied the account instead of doing what they did.
Anyways, I'm 99% sure the problem is Early Warning Systems alone, but once I figure out what the issue is, I'll end up going to a branch anyway. The other alternative is to just have a Liquid card for six months, but I've heard those can be difficult to get at times.
@Anonymous wrote:
@DaveInAZ wrote:
@Anonymous wrote:
@Anonymous wrote:Have you tried opening a Total Checking account in-branch? Try to get a desk where the banker has the CPC business cards (Silver octagon). I don't have any issues with Chex/EWS but the CPC banker was far better than others I've dealt with, to the point of knowing what I meant when I mentioned 5/24!
I'm not sure how that would make a difference, though. If I'm denied online, what would the banker be able to do? I'm sure they don't have the power to override Early Warning Systems. I think a Liquid card would solve the issues I need. I mean it's $60 a year, the cost of one electric bill for me, so basically pocket change.
That and how do you get a desk to work with someone from the private client division?
Because the problem with opening an account online could just be an ID verification problem. Or if there is a flag on your EWS report you might convince a bank officer that it is an error, if you have your credit reports frozen that could be a flag on EWS. And you can request your report from EWS to check it yourself.
I believe it's Early Warning Systems.
I opened a new Bank of America safe balance account on 1/1/18. I funded it, and then one night I tried to log into the app, it prompted me to enter my password instead of use touch ID. When I typed in the password, it said my account no longer existed. I called customer service who transferred me to the whatever risk department, who then advised Bank of America has a right to close my accounts whenever they want. The account was open for like six days and I recieved my debit card in the mail two or three days later.
When I received the account closure letter, they noted Early Warning System as the reason for closure. I'm pretty sure I've never owed a bank money because of overdrafts or other fees in the past. Not sure why this joke of a company flags perfectly good people. I mean what if I submitted my direct deposit for my new account to my employer already? BoA should have just denied the account instead of doing what they did.
Anyways, I'm 99% sure the problem is Early Warning Systems alone, but once I figure out what the issue is, I'll end up going to a branch anyway. The other alternative is to just have a Liquid card for six months, but I've heard those can be difficult to get at times.
Then definitely call EWS to request your report.