I reactivated a checking account, made a large cash deposit, and was told that the debit card would work fine immediately. I went to get gas and the card was rejected at the pump. I called the bank and was told that I should not have been told that the card would work, that I needed to get a new one.I was told that due to a change in format of account numbers that my checks "might or might not" bounce and was told to order new ones at my expense (in fairness I was told - a WEEK later - that the charge would be waived). No one told me that I could not use my existing account number to arrange for direct deposit of my social security check or other items. I did so and was then told by the bank that the deposit would not be accepted because of the change in account number format. Now I am going to have to deal with a delayed social security payment because of the lack of competent and complete advice from branch staff.On to the debit card. it took around 25 minutes to get a new one issued, which I thought was absurd (I have opened accounts at other banks and the entire process, including the debit card, took 15 minutes). The first time I went to use the card on a $130 GPS purchase it was declined; this, with a 4 figure available balance in the account. I called and was told that "MasterCard, for security reasons, requires that all purchases over $90 be run as debit, not credit, and using the PIN is required". I checked with another bank and was told that that was not the case.In any case I attempted to use the card at the ATM at the branch and apparently forgot my PIN (the one thing not the fault of the branch or bank). I called the branch and got my pin reset and was assured that the card was now 100% up and running. I waste 20 minutes driving to Walmart, go to buy the GPS, and the card was rejected AGAIN.I called the branch again and was told by the person that reset the PIN that she failed to clear the block placed on the account when I attempted to use the PIN that I could not remember. Again, not the bank's fault that I forgot my pin or that the ATM locked the card; DEFINITELY the bank's fault not to have seen that on the screen when the PIN was reset. I must say that the person was honest enough to admit it was her error.I will review again as the horror story continues.