[pyotr]

I'm with enabler - I've similar experiences with Emigrant - however I have a speakerphone, so I waited out 3 separate customer service calls and timed how long it took them to answer me - it was 15min, followed by 13 minutes, followed by 25 minutes. I thought ridiculously bad wait times consider how important the topic (my money). The rep I talked with after such long wait times have never been helpful, nor did they ever give the impression that they wanted to be helpful - maybe it's a NYC thing, but I personally thought my rep always had a bad attitude and wanted me off the phone ASAP. This is what worries me about HSBC also - reports about bad customer service from outsourced reps (in India). I've since completely vacated the Emigrant account. I've always been with and will stick with ING even though their rates are not the best. I'm keeping around 50k in ING - I wouldn't sleep well at night if I had 50k in Emigrant.