What a joke of a bank--particularly if you want an online bank
What a joke of a bank--particularly if you are looking for an online experience. My own experience: I opened a CD online and had an ACH transfer made to fund it. Then, even though they advertise as an online bank, I found out that there is no way to withdraw that (i.e. my) money and the interest by ACH transfer when the CD matured. The principal and interest from a CD automatically is put into a new CD unless you go into the bank (took me an hour including driving time), and sign a letter authorizing them to mail me a check with the principal and interest and close the account. (There is no way to authorize the closing of the CD online. I tried calling twice on this. The first time, when I first discovered that the CD automatically renewed, they told me I had to go into a branch to get my money. The second time, a couple of weeks before maturity, I was cut off while waiting for the person I was talking to get back to me after putting me on hold.) Simply put, online banking, which they advertise they have, should be online both ways--money in and money out. Customer service is more than a smile, or thank you and "you are a valuable customer" while you are on a long telephone hold. It is making things easier for your customer and, for example, not trying to make it so difficult to get your money that you leave it at that bank in a CD that you don't really want.