Bill pay: The one payment I needed them to send, still hasn't arrived five days after the "deliver by date". I had to replace the payment with another check of mine but they already withdrew the funds from my account, even though the check has not been cashed that was sent via bill pay. I asked them to just return the funds and cancel that payment, and they want to charge me a $35 fee. Several calls to the phone banking center snd one trip to this branch, and they're still not willing to waive the $35 fee to cancel the check that never got to the party. They are able to waive the $35 fee, but they wanted me to "give it one more day". That sounds wonderful- making another trip during my workday to handle something that they didn't handle. I have been a desert schools member for years, but the disregard of the value of my time is inexcusable. Once this matter clears up, I will end this relationship.