I just love every time I call HSBS (yes, there is always a problem), they say I need to go to the branch....which part of 'I work full time and can't come in because of your retarded hours', don't you understand?....then I say, IF I have to go to the branch one more time it will be to close my account.....and here I was thinking that the Gulf was on top with technology....maybe they should start training their staff and treat them with a little more dignity, so they may give a crap!