It figures that the guy who started this is Australian. Australia has some of the worst banks in the world in terms of customer service. Last week I was in a bank (Commonwealth Bank of Australia) with my wife attempting to negotiate a better deal in terms of her account fees, which I believe are exorbitant at approx $10 per month for a basic savings account w/online banking. She'd been with them for 25+ years and had a reasonably significant account balance. They didn't budge on anything, even after she asked them to close her account. I was totally appalled at their attitude.