I use this one the most. Sometimes they are friendly, sometimes they are not. IDC about that right now anyway. What I hate is their phone system. Why can't someone just answer the phone? No one is THAT busy. I heard you are closing all your physical locations and going 100% on-line. If true, I am no longer using your bank. I will not be put in a position where I have no access to a physical location and people to see about my money. So if you are doing this, you ought to know I wont be the only one to go. Greed is the only reason to cut out jobs and give NO customer service that counts. Since, I got so tired of being on hold on your crap phone system because you obviously dont employ enough people, can you answer my question here? Are you going 100% online banking?