Customer service used to be great. This was my favorite financial institution, but now customer service has the most random replies that have nothing to do with my questions or requests. I could ask about an ACH transaction, and receive a response that my card has been deactivated and a new card has been mailed out, hiw to update my address, etc. If I try to follow up or clarify anything, I even more confusing irrelevant response. The Bot seems more limited as well.