I have been reading the complaints above and they all sounds so earily similar to what I've experienced, it's crazy. Especially the comment about them being so horrid it borders on unbelievable...I have been having the same epiphanies! I was with Hibernia for 10 years plus and thought I would be loyal to the branch since they sold out...thinking about being a good consumer! HA! I heard how AWFUL Cap. One is, but figured maybe not when you do all that you should and bank with responsibility, what could happen, right? WRONG. I did... read full review »