Chase is offering a new product, telling customers that it will not impact their 'cash reserve/line of credit'. Well it does. They now charge you $12 for each transaction made against the account which they opened for you and attached to your checking account. I spoke with someone in their corporate office in NY yesterday and if you don't sign up, your cash reserve/line of credit account will be immediately disassociated with your checking account, they will not pay any charge presented (even if there is only a $1.00 difference), charge you $34 and send the item back. Wow, you've just gotta love how these crooks operate.