Chase has bad IT anyway
I have tried to deal with Chase several times and their IT department has always been suspect. For instance, it takes 3-5 days to reactivate an account where most banks can do this in real time. Anytime I have asked questions about IT policies and why processing takes so long it has generally taken me 4 calls and up to 10 forwards to get an answer from anyone with a clue.
In short it seems that Chase is generally clueless about their own IT, have conflicting policies and in general do not care much about making it work, much less making it work better.
I have worked with IT for several large banks and Chase by far seems to be the most behind and screwed of them.