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As always, they send an email telling the story "blah blah " merchant banks money reserved, yhu hai I have requested a call back from themand nothing. Almost 3 months later. To show that I didn't want to leave them, I even upgraded to premier and was willing to take on other products. I don't want their help anymore. Very useless bank. As soon as I find a suitable bank for my daughter, I will move her too. But as for me, I am done with FLIPPIN FIRST NATIONAL BANK!