I files an application for a CD and was declined. My 1st call, I was number 16 in line. I hung up. My 2nd call I was next up for customer service, after 10 minute wait, then was disconnected. I called again and got thru after 20 minut and asked why and was put on hold for 20 minutes. I asked why it was declined and they could not tell me. She said to reapply. I told her to void my application from the system and she couldn't do that. My credit score is 800, no reason to be declined. I would never put my money in this bank.