I've been having SOOO many issues with J.P. Morgan Chase that I didn't have when it was WaMu. I keep saying I'm going to close my account, but the way they have it set up I just haven't been able to. I get direct deposit that goes in Thursday at midnight, but my funds aren't available till Monday. I can make credit card purchases, but can't pull any money. In order to close your account you can't have pending transactions (credit card purchases). Does anyone know what happens if I just stop having my direct deposit go in, and stop using them? Are there any penalties/fines?