Chase Bank - Oversubscribed? Struggling to get a transfer out

wiseonesomeofthetime

This is where I use the Reference or Notes field to aid future investigations of my transactions, so I know where money came from/went to.

Not so great on a statement though, I wouldn't have thought.

k_man

wiseonesomeofthetime said:

This is where I use the Reference or Notes field to aid future investigations of my transactions, so I know where money came from/went to.

Not so great on a statement though, I wouldn't have thought.

I thought that too, initially.

Until I setup a number of SOs to my other accounts.
These all show as being to the same payee, and don't include a reference, or the specific account details, just the Payee name.

wiseonesomeofthetime

k_man said:

I thought that too, initially.

Until I setup a number of SOs to my other accounts.
These all show as being to the same payee, and don't include a reference, or the specific account details, just the Payee name.

Are you on iPhone or Android app, as I appear to have the Reference facility for transfers between Chase accounts, if that is what you mean, as well as the ability to Add Notes.

Transfers to external accounts always have a Reference field and, again, facility to Add Notes.

I am on the Android app.

k_man

wiseonesomeofthetime said:

k_man said:

I thought that too, initially.

Until I setup a number of SOs to my other accounts.
These all show as being to the same payee, and don't include a reference, or the specific account details, just the Payee name.

Are you on iPhone or Android app, as I appear to have the Reference facility for transfers between Chase accounts, if that is what you mean, as well as the ability to Add Notes.

Transfers to external accounts always have a Reference field and, again, facility to Add Notes.

I am on the Android app.

Android, but not sure if that matters.

Faster payments are okay, (as long as I remember to add a reference).
But standing orders don't include a reference.
This isn't unique to Chase (Lloyds is the same), but with Chase the scheduled payments screen only shows the payee name, so can't 'find' the details that way.

So if I use the multiple accounts per payee method I have:

Payee

---- Ac1

---- Ac2

etc

SOs to Ac1 and Ac2 both just show as being to Payee.
Faster payments are the same, if I forget to include a reference (which has to be added evertime, most banks remember the last one used).

So instead I use:
Payee1

---- Ac1

Payee2

---- Ac2

Which works well, and allows effectively a nickname.
Just isn't how it was intended to work.

k_man

Forgot to add.
I found this to be an issue when I had 2 SOs for the same amount, to the same payee (different accounts) on the same say, and wanted to amend one of them.

But couldn't tell which was which.

wiseonesomeofthetime

All of my Standing Orders have references attached to them. 

Did you not click on Add when creating the SO?

Example. I transfer weekly from Savings to Current, within Chase, for spending. 

I've noticed that the Reference field is not visible within the Edit Standing Order function though. Only on creation. 

k_man

wiseonesomeofthetime said:

All of my Standing Orders have references attached to them. 

Did you not click on Add when creating the SO?

Example. I transfer weekly from Savings to Current, within Chase, for spending. 

I've noticed that the Reference field is not visible within the Edit Standing Order function though. Only on creation. 

I can't remember if I created references or not.
But my main issue was not being able to see those references (to differentiate between accounts).

I will however recreate them, and make sure references are added, to make tracking at the other end easier.

Can you confirm/check if the SO reference is received in the payee account (assuming you have references in yours already)?

k_man

Have checked, and I can see references on some SOs, just needed to use the the details screen, not the edit one.

Albeit cannot be added or amended after creation.

wiseonesomeofthetime

@k_man

Can you confirm/check if the SO reference is received in the payee account (assuming you have references in yours already)?

Answer" Yes, visible in receiving account too

k_man

Just checked the receiving external accounts of the SOs that do have references.
Not all show the Chase reference.
E.g Halifax does show the Chase ref.
Nationwide doesn't, but does show the Chase sort code and account number.

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