Their general banking procedures are very clunky - could never do anything I asked over the phone, instead requiring me to send a 'secure message' via online banking (that times out before you are done without telling you! and you lose the message you've carefully composed when you try to send), then once you re-type your instructions, you require an sms code to even be able to send the message, despite the fact that you are logged into your online banking and sending the message from and within their secure mailbox! Then they call you on the phone to confirm your instructions despite refusing to accept your instructions over the phone in the first place. There is also no way to get more than $10K (either transfer or bpay) via online banking, regardless of your transfer limits without incurring a substantial fee. I'm switching, I've had enough hassle!
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