If you deal with the branches themselves they actually have a brain to deal with you. If you call "client services" they are as clueless as they come. I have never talked with client services when it didn't sound like they hated their job and hated everyone who they came into contact with. They also give you false information on how to close an account. If you stay away from client services they are helpful. I think someone needs to have a training with the dreadful people at the home office. They also fee you to death without fair warning.