I had to call customer service the other day and I had to wait 10 minutes! I find that quite acceptable. I forget her name but the woman on the line had the audacity to be nice and polite while I explained that I could only pay half my bill via online banking! She said she understood! Really?! How can you possibly know what it's like to not be able to pay a bill on time and in full! She said she'd make note on the account that my payment would show in a couple days and that the rest of the money would be transferred in 2 weeks. That was too efficient! THEN she asked if there was anything else she could do for me. That's all I needed and the call concluded. You guys at customer service do a great job. Sorry there's alot of people on here that dump on you on here. I imagine you don't hear "Good job!" from many people. "Good job!"