My wife was moving money around and overdrew about a month ago... She didn't really like Chase to begin with so she walked into the branch and just said "I want to close all three of my accounts right now" and they ended up removing the charges -- not sure if being there in person helps, but I would guess it takes more work for a rep to close an account than to issue a refund -- not to mention they would have to endure "the look" during the entire process.