Let me preface this by saying that I have been banking with Chase/Wamu for almost a decade. I have had some FANTASTIC experiences and I have had some AWFUL experiences. Last night was one of the latter. Because we are coming up on Christmas, myself and all my coworkers were paid early. Instead of Friday, our direct deposits went in last night at midnight. I hadn't yet finished my Christmas shopping (still haven't quite finished ) so I decided that I wanted to go midnight shopping. Jamison wasn't extremely excited, but he came along because he knew I wanted him to I spend around 2 hours shopping. Picking things up, carrying them around for a while, putting them down again. I finally select the PERFECT thing for each person in my life (sans a couple) and we work our way to the checkout. By then it is 12:30. I check my phone, yup! My deposit went through. Swipe my card.... Denied.... Again... Denied.... Utterly confused and embarassed, I decide to have them put my cart aside and wait another half hour. Maybe it needs a little time to finalize? Get back in line.... Swipe my card.... Denied. At this point I am pretty irritated. I call the number on the back of my debit card and manage to get a live human on the phone. I know right. Miracle. "I'm sorry m'aam. There is no problem with your account. Your funds will not be unavailable to you until 7am EST due to a system update." Not believing I could have POSSIBLY heard him right, I ask him to repeat himself. To no avail. It is almost 1am, and my money is locked up until 4am PST. I go back and explain my situation to a manager and she asks if I have any checks on me. I do not. She says that she can only hold my cart for an hour, so if I can go home, get a check, and come back witihin an hour I should be fine. I think that would work, until I remember that my purse was stolen a little bit ago and I don't have my new ID yet. I bring that up to the manager, explaining that I have no form of picture ID at all. I think she must have seen the heartbroken look on my face because she took pity on me and agreed to hold my cart until 6 am. Jamison and I collapse into bed at almost 2am. My alarm goes off at 4am. I drag myself out of bed and go to the store again. I walk up to the manager lady and she says "YAY you made it!!!" My cart gets rung up again, I swipe my card... ... ... Approved. I loaded my treasures up into the car and get home around 5 this morning. At that point I didn't see any purpose in going to bed again, so I stayed up and wrapped a bunch of the presents. Long story short, I only got 2 hours of sleep last night because stupid bleepity bleeping Chase didn't send out any kind of heads up or notification of the system update, let alone that my, and I am sure thousands of others, account would be locked down this morning. Thank you Chase, I am now a total Zombie for the day.