Not even getting a fraud alert from Chase which was strange. Payment Declined — By Your Bank The most common reason for an unsuccessful card payment is that your bank has declined it. Yo did it with Chase debit…confirmed account with two deposits… make a BC buy and u get a fraud alert and card declined the first time… can try again after 5 min and it works. Insufficient funds: Oops! I purchased with my debit card just fine, Im with Wells Fargo.