The biggest bank in the US, JPMorgan, will begin charging financial technology companies for a typically free service.

In recent years, major banks have begun the quiet, calculated and often callous closing of bank accounts belonging to honest, law-abiding Americans, typically without warning, cause or recourse.

Wondering if the $795-a-year Chase Sapphire Reserve is worth it? Here’s how to break even — and how much value you can get ...