Despite having an excellent credit history with my Juniper Visa with iTunes Rewards credit card, Barclay's closed my account with no notification last Fall. I purchased a laptop on eBay, expecting to use my card (had a reasonable balance but also plenty of credit). When the payment was declined repeatedly, i called the company and they informed me that I no longer had an account, just a balance.
I know that has happened with other institutions as well, but I think it's unfair to do it without notification. And I think it was unreasonable with my account history.
Setting up an on line account will take you a while and test your patience as is with all websites, but once you get it down, you will be amazed at how good this bank has become. Since they currently do not offer checking accounts, I would strongly recommend opening your checking at Ally Bank on line, then establish a direct transfer of funds from Ally to Barclay (FREE) to deposit your savings as Barclays is #1 for interest rates at the present time in the US. Trust me, if there were better banks than Ally and Barclay, I wouldn't be with them. You can find all banking information on line, I have an account with Bank of America and they are the WORST of the WORST, they will be closing their doors any day now and leaving the customers holding only the FDIC funds, they suck big time!
I tried to pay a bill using my money and Barclay's held onto my money for more than a week. Why is it that banks can hold onto deposits for unreasonable periods of time when they are under $10,000 and are electronic transfers? What possible reason can they have to withhold money from me for longer than 3 business days? So not only could I not pay the bill, Barclay's charged me for "insufficient funds", and held my funds frozen so I couldn't take them out and pay them through my other bank.