Happy 4th! I'm looking for feedback from anyone who currently uses Chase for both business and personal banking. I'm hesitant because I've heard stories about accounts being locked or closed by their trigger-finger algorithms, but I also wonder whether those people were actually in the wrong and were blaming Chase Bank. I currently have a business checking account and a total checking account (newly opened). I haven't fully moved my personal banking over yet, as I'm not certain I should.

For reference, I'm a consultant, so I receive commissions from my partner for our services. I take a draw from the business to my personal checking for living expenses, and the rest stays in the business. Aside from setting aside tax payments and paying my AMEX & Capital One business cards, I don't do any other transactions; no employees, no payroll, no wires, so it's pretty straightforward. On the personal side, I pay my rent, car payment, and credit cards from the account; nothing crazy there either. I don't have a Chase credit card because I'm in the AMEX ecosystem and don't really need one. I feel like my banking habits are quite vanilla and safe. I do have an HYSA with money set aside for emergencies should something ever happen.

Does anyone have any positive/negative feedback on making them a one-stop shop?

Happy 4th! I'm looking for feedback from anyone who currently uses Chase for both business and personal banking. I'm hesitant because I've heard stories about accounts being locked or closed by their trigger-finger algorithms, but I also wonder whether those people were actually in the wrong and were blaming Chase Bank. I currently have a business checking account and a total checking account (newly opened). I haven't fully moved my personal banking over yet, as I'm not certain I should.

For reference, I'm a consultant, so I receive commissions from my partner for our services. I take a draw from the business to my personal checking for living expenses, and the rest stays in the business. Aside from setting aside tax payments and paying my AMEX & Capital One business cards, I don't do any other transactions; no employees, no payroll, no wires, so it's pretty straightforward. On the personal side, I pay my rent, car payment, and credit cards from the account; nothing crazy there either. I don't have a Chase credit card because I'm in the AMEX ecosystem and don't really need one. I feel like my banking habits are quite vanilla and safe. I do have an HYSA with money set aside for emergencies should something ever happen.

Does anyone have any positive/negative feedback on making them a one-stop shop?

Has anyone else encountered this? Did an RTP from my business checking to my tax account, charged $.10 😂

Seems petty, Chase Bank.

D. Service Fees

Unless otherwise noted in your account agreement, we do not charge a monthly service fee for Payments or Transfers. If we process a payment or transfer in accordance with your Instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement or other applicable agreement. We are not responsible for any payment or transfer request if there isn't enough money in the designated Pay From or From Account.

Confirmed by our alderman. A traffic light is being installed by the end of summer. That intersection has become busier and busier, and it seems that many people don't understand how the 4-way stop works there.

I applied and was approved for the Obsidian card and chose "groceries" only to find out that my meal prep (the majority of my grocery spend) counts as 1x points. On my Savor and AMEX Gold, those purchases counted toward the grocery category. The card is pretty useless to me, as I'm not spending 1x my rent in purchases just to get the max rent multiplier. My plan is to cancel the card now, but maybe go to CS and plead my case to see if they will do anything about a Palladium upgrade.

From what I understand, Bilt/Cardless does not currently offer PCs. I wanted to ask the community if anyone has heard of a workaround or had any success with CS.

I see so many people trying to optimize their points and cash back while shuffling cards. I've reached a point where a 1/2-card setup feels simple. I also value protections, and to me, AMEX is top tier. I think a lot of people forget what you'll run into with RH Gold, BILT, and other fintechs when something goes wrong. I'm sure others feel the same.

I'd rather go all in on an ecosystem (Amex Gold/BBP) where I can maximize points and know I have the backing of a world-class product/card issuer.

I have a '26 GV70 SP and just upgraded my iPhone. Now, I have to turn the volume WAY up to get a comfortable listening level. This wasn't an issue before the new phone. I swear there's a setting, either on my phone or in Genesis, that needs to be adjusted to fix this (Bluetooth volume), but I can't find it. I really can't make the music loud at all.

Does anyone have any ideas?

I have a '26 GV70 SP and just upgraded my iPhone. Now, I have to turn the volume WAY up to get a comfortable listening level. This wasn't an issue before the new phone. I swear there's a setting, either on my phone or in Genesis, that needs to be adjusted to fix this (Bluetooth volume), but I can't find it. I really can't make the music loud at all.

Does anyone have any ideas?

Hi All,

Just wanted to share with anyone who uses Chewy/PetMeds and other prescription sites. My friend let me know that Costco has veterinary prescriptions. I had no idea! It's a third party, but it's linked to your Costco membership. Simparica Trio - 6-mo supply for both of my pups is $142 cheaper than on Chewy.

https://costcopetrx.securevetsource.com/index.pml

I applied and was approved for the Business Venture, but I don't have any option to add it to my account. I applied through my current CapOne online account, but it says I have to wait for the card and set up an online account. Shouldn't it have recognized and automatically added it? With my personal cards, it always just showed up.

Are there any options to get a virtual card or use it before it arrives? I got it for the 100k bonus and want to put my estimated business taxes for Q2 on it, which is due on Monday.

I could call CS, but I wanted to check here first to avoid having to get them on the phone, since it's like pulling teeth sometimes.

https://preview.redd.it/cz5fyez8p17h1.png?width=2738&format=png&auto=webp&s=467740e5743862f02a8b9e168df57d1c2ae133e7

Has anyone had luck with customer service adjusting a particular purchase to a category? I chose grocery for my 3x category because my top spend is either Whole Foods or Factor/Home Chef (delivery services alone are around $1000 a month since they work for our schedules and eating habits). My first Factor hit is 1x points. All the other cards I've used have counted toward grocery. The card won't be worth it to me if those aren't coding correctly.

I understand it's automated based on coding, but I wanted to see if anyone has been able to speak with CS to have them switch a category.