I am an original Washington Mutual customer & Chase bank finds any way they can to charge you fees. They will put a hold on your payroll check if it not a direct deposit, There ATM machines have different cut off times when WaMu was 9pm PST, They run the largest check or debit 1st to get more NSF fees from the consumer, they charge an $12.50 fee if you balance is negative for 5 or more day even negative balance is only the NFS/Banks fees, There online transfer cut off time is 8pm EST when WaMu was 9pm PST & there customer service rep... read full review »