Can never speak with a person even after holding hours and hours. When a representative gets online you are transferred to someone who also cannot help and they transfer you again. Yesterday I waited on hold for 37 minutes the first time, then 1 hour 10 minutes, and gave up. Today I spoke with someone after holding for 1 hour and 12 minutes. We were on the phone for 34 minutes when she transferred me to someone who proceeded to hang up on me. We will find another bank for our corporate accounts.