What guarantee would you have if Chase said "Sure thing Mr. Aklim, there is $10,245.87 in that account. More than enough to cover that $2.39 check Mr. Customer is offering in payment for his chicklets and pork rinds."

Rhetorical question. The answer is exactly NONE. No guarantee whatsoever.

How in the heck is Chase supposed to know that Mr. Customer just wrote a $10,244.50 check to cover his tab at the local boobie bar, and that is going to hit before the measly $2.39 check you just took?

If I had to guess at the motive behind Chase's change in policy (yeah, yeah, yeah - the motive is always profit - hear me out) it would be that their legal types decided that saying NOTHING other than "active/inactive" removes ALL chance of somebody coming back later (or a bunch of somebodies in a class action) and suing Chase for telling them that the check was good when, by the time it hit the books, it wasn't.

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1961 220b: first project car - sold.
2000 CLK 430: first modern Benz - sold.
2001 CLK 55: OMG the torque!!! - sold
1972 280SE 4.5: Baby Gustav
1991 300TE 4Matic: Gretel the Snow Bunny - sold
1978 300SD: Katz the Free Man - given away
1980 Redhead: Darling Wife