creditUser101 ... that sure had to be a surprise! Chase blocks me by Zip Code when I try to sign up for regular banking services online and when I call they inform me I am not in their banking market foot print. OK ... I get it (not really a big deal) as I have good banking services and no Chase Branches anywhere as I live in the outback (but still on the grid) 
Oh man! that 100 mile drive 
@Anonymous wrote:I still had to visit the branch because my account was restricted and ID verification was pending. Got that done this Saturday and everything is working fine now.
Since I initiated the transfer from my other Bank account and that was canceled by the chase (because they thought it was fraud), I was asked by the banker to log-in into my other bank account and show them that I have sufficient balance in my other account. Before initiating the online transfer, I followed the process of adding my external bank account by having chase deposit two small amounts in my other bank's checking account. I still don't understand how they can ignore this verification process and asked me to log-in into my other bank account to show them the balance.
Chase seems to be going a bit overboard in fraud protection lately. I also found my access denied when I tried logging in yesterday morning. I called the # on the screen and after a lot of ID verification and a couple transfers I got to the person who thought my scheduled transfer of $6k from Discover savings to Chase was "suspicious activity". She wanted to do a conference call to Discover to verify the account was mine and thats I had the available funds. I responded "well, if you look at the transactions on my account you'll see I have my Social Security benefit direct deposited to the account". She misunderstood and said "I'm not going to close your account, I'm saying to approve the transfer we need to conference call Discover". I replied "well, you're saying the transaction is "suspicious" which means possible fraud, and what I'm saying most people trying to commit fraud on a bank account aren't stupid enough to try that on an account they have their social security deposited into".
She insisted on the conference call with Discover and I refused, I told her to just reject the transfer and I'll do the transfer from Discover to Chase. I thought the conference call with Discover request was unreasonable, and was also concerned it might raise a red flag with Discover. What's stupid is I've pulled from Chase to Discover recently, but they think pulling from Discover to Chase is "suspicious activity". I just hate transferring out from Discover to external accounts - their ACH transfers out are very slow, 3-4 biz days, while they immediately deduct the transfer amount from the account, so you lose a couple days interest, more if over a weekend which this one is. When you pull from Disco savings you earn intererest until the external banks gets the funds. Only a couple bucks, but just annoying.
Oh well, once the transfer from Disco gets to Chase I'll try a smaller transfer on the Chase side. I just opened the Chase account in January for the $300 new account bonus w/direct deposit. This just confirms that at the 6 month mark to not forfeit the bonus I'll close the account and stick with credit unions.
DaveInAZ ... exactly why I shut down my Discover Checking and Savings accounts. Worked well with them but, they were taking four to eight days for every transfer. Why? Moved elsewhere and said too bad 