This bank has gone downhill so, so fast! They blocked my "World Traveler" visa card as soon as I tried to use it overseas. 11 days of phone calls, several hours each day, and every day their reps promised to fix the issue, and it kept happening. Now they shut down my account completely, so I am stranded overseas. There is NO CUSTOMER SERVICE, they forward all calls overseas, and no one knows what they are doing. THis was a HORRIBLE experience, Stay away from these people!