<prompt> Human: This is my first time posting in this sub but I recently just had an unexpected financial event take place. I have had a college checking account with Chase bank for about 3 years now. About a year and a half ago I went out of the country and my account was overdraft for an extended period and since I wasnt there to read the notices or ameliorate it the account was closed. I went into the branch, the banker told me it wasnt reported to ChexSystems, I paid a balance and my account was re-opened with no issues. Everything was fine until today, last night I deposited a 350 check which cleared right away, I used my card that night at Target and it went through with no issues. Today I tried to make a purchase and my debit card was declined so I called Chase and they told me my account was closed, when I asked why verbatim the associate told me that the same way I have the right to close an account with Chase, Chase has the right to close my account I know banks are allowed to do this but he wouldnt tell me why Chase made that decision in the first place. I asked about my direct deposit coming in tonight and he said it would take extra processing time and I would receive a check for my account balance in 5-10 days. I have a few questions - I would overdraft a quite often but always settle my balance, could it be that Chase just saw me as too risky of a customer?- My account was not overdraft at the time of closing, so I dont owe them any money but could this pose a problem with opening another account at a different bank? I already requested my ChexSystems report to see if anything on there could give a me a clue as to why they closed my account. - Does this mean I can never have another account with Chase bank? I banked with them for years but Im curious as to if this means Im blacklisted from them for life or something?- Is there a reason they chose to close the account right after I deposited a check? Is this a coincidence or is it possible they believe it was some kind of fraud? The check cleared right away and was from my father. Thank you if you read this entire post. This is just very shocking, inconvenient, and coming at an incredibly bad time since I wont have access to any of my money for what could be as long as close to two weeks. I also know it was not prudent to overdraft as many times as I had and I will definitely never repeat that mistake going forward with my banking relationships.  <response>: Yes overdrafts definitely make you a bad customer.Chase is tightening things up to become a conservative bank. 