Bad experience

I opened a checking account, also I have a carload with the Chase. Recently, by accident, I've overdrawn with transfer to another bank, I put money back in a couple of hours, as result they charged me for 5% fee, it was the same day, I do not understand the logic of this fee - I didn't have that money even for a day. Also, they aren't refinancing for auto loans since the pandemic. It's almost 1-year now and they still do not operate in normal mode, weird and slow. I cannot recommend that bank because of a bad experience and comparing what customer service I have with others. I have multiple accounts in other countries as well and comparing all of them the worst one is Chase, I really expected more from you guys. But the online app is a good one.

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