After more than 15 years as a banking customer (while turning a blind eye to some of the underhand shenanigans in this bank's operations that came to light), I am taking my business elsewhere. It seems this new CEO is all about profit margins and respect for the customer is going downhill as a result. Customer service has been outsourced and calls are now received in the Philippines by staffers who are so poorly trained and incompetent I was incited to shout on the phone for only the second time in my life. The first time was with Airbnb customer service, and I would not be surprised if these staffers are the very same people. They do not know what the hell they are talking about and give nonsensical responses to questions if one is lucky enough to get any response at all. E.g. Q: Why is the balance on X account only Y dollars? A: Friday. I rest my case.