I stopped using chase due to inconvenience after moving.
I still have a few hundreds bucks each in saving and checking.
Chase started to save me money by transferring $100/mo from checking to saving.
Then one month I noticed a $20 insufficient fund fee – because my checking didn’t have enough money for the transfer so Chase

1. Transfer the money from savings to checking to cover step 2.
2. Transfer the exact same amount from checking to savings.
3. Charged me $20 for insufficient funds.

I called the Chase and the operative was too stupid to see the irony. I had to speak to her supervisor to stop reverse the charges.