Their customer service is inconsistent, at best. You can expect the same b.s. red tape you'd get anywhere else. I tried to get them to fix an issue on a joint account I share with my husband, and I couldn't answer the security question (he's had the account since he was a teenager, and I didn't know the answer to the only question on file), so they wouldn't even look at the account. I already knew the issue and wasn't asking for any info I did not already possess. I am sure they just hoped to keep their ill-gotten gains; the fees on the account were an error. Sorry, jerks, but my husband called and got that money back. Nice try, though.