I deposited an inheritance check just before Christmas and the check was put on hold, which was expected. What wasn't expected was all my accounts were frozen before New Years Eve, because the bank lacks basic customer service skills and common sense. More than one person can be on an account, and no, they do not have to be named on the check to sign it.
I reviewed the Deposit Account Agreement and chase met none of the criteria on page 16 which gives them the authority to freeze all my accounts. Chase has also stated that there is nothing I can do to unfreeze my account. What kind of financial institution high-jacks money used to feed and shelter children. JP Morgan Chase has proven that they don't care and will treat anyone they choose as a criminal.
I'm now on day 7 and my car payment direct withdrawal has been missed. I can't touch my direct deposits. Chase cashed the check on 12/28/15 and has been gaining interest that is rightfully mine. I have spent hours of my new year holiday on the phone, and in the branch, because this they refused to do its job or pick up a phone to call me. Instead they sent a letter, which was delivered 1/2/16. Even after explaining the situation and providing documentation they are requiring my mother to drive over an hour (one way) to the nearest branch to verify that we are not criminals. That's right Chase has even brought my momma into this.
Do yourself a favor in 2016 and beyond, go to any other bank than this one. There were 4 inheritance checks given out and only mine was considered criminal. The only hold was from JP Morgan Chase.
Read The Deposit Account Agreement Page 16 for yourself. Pages 1-15 are Chase bank removing all liability from themselves for their ignorance.