I began the account registration process in December 2019 and here we are 9 months later in September 2020 and I still can't get an account, even though I qualify for one. I have made phone calls and sent emails and mailed letters and I still can't get an account. I have involved my US Representative and I still can't get an account. They rely on DEERS to verify your eligibility and, if DEERS has inaccurate records, they can't fix them and you will spend an eternity being passed around by these people and chasing your tail and jumping through hoops, only to find several months have passed by and and you still can't get an account. In fact, I was just told by the BCNC (Navy) that the records correction process will take "up to 18 months" more. So, I give up... primarily because I don't think the Online Exchange is going to be that much of a benefit and it's definitely not worth the hassle I'm getting. I'm not sure their prices are all that great, that there are any real savings, and that their customer service (and returns process) is going to provide any better service than what I have already experienced, which is somewhere between incompetent and non-existent.