Originally Posted by
kaiotes
my acct was linked for well over a year. Have done many bill pays out of it. They were over cautious on transfers into the new acct that was opened. Don't get them....
A linked PAYMENT ACCOUNT as "Have done many bill pays out of it." does not equal to the external bank account that allows you to make transfer of funds in and out. They are treated differently in Chase system.
The external bank account I linked also is the Payment Account that has been used for well over 2 years, being used for payments to both biz and personal checking at Chase. It does not make any difference!
On top of it, it seems as long as one account in the linked pair is new, be it the external or the Chase own account, a transfer would trigger the suspension of online access.
It is the design flaw in their fraud detection system. It has caused a lot of inconvenience to the customers but as my banker said, she has given numerous feedback on customer complaints, but the stupid algorithm continues.
We do the bonus on Saving every year but we just bring a check to meet the deposit requirement at account opening and be done with it. Our banker said this was the smoothest way.