I joined them as a customer as they had originally long opening hours and 24 hour telephone service.. Now they have slashed branch opening and teeohine banking opening hours.. Presumably they want customers to use online and I now rarely have an alternative.. Which would be OK if Online at least worked.. But I regularly have bizzare problems logining in. Even if yejeigine banking is open, they most often can't help me.. I am told go into a branch to relive it.. But after wasting a lot of time, I am told Head Office Online will contact me.. They never do, I have to chase them up.. When the problem is somehow resloved (one never gets a coherent explanation as to what went wrong), within months the same problem reappears.. I am looking at changing banks..