Wow. Just spent 20 minutes trying to activate a new BMO Harris business debit that arrived in the mail. The first two attempts on the automated voice phone service failed after providing the information (correctly). Then a customer service rep comes on the line. He asks me to identify myself, which I did. Card number, last 4 of social, etc. Then he wants information about last check written, account number - all questions I'm not prepared to answer - I just need to activate the silly debit card! Then I get the checkbook in front of me and told him to ask me the questions again. Now he says he can't help me over the phone, I need to go into a branch! I told him to put a supervisor on the phone. He says that there was not one available, he would have one call me back in 24 hours. Ridiculous. I have never had a problem activating a Wells or BofA card. BMO Harris is apparently really challenged by this. NOT A FAN.