The bank charged NSF fee ($35) even though I had enough funds in my account. After I spent 1hour and 52 minutes on the phone with their customer service representatives they agreed to refund the fees. Still waiting. It's time to go and do banking with a more friendly bank !
We have our "Rainy day" fund at Discover bank. The fact that ACH transfers are much slower was not a big deal, because we don't plan on making withdrawals often. I wanted to leave that account alone, and open a second account for savings. At ING they ask "How much, where's the money coming from, and what do you want to call it". At Discover bank I needed to fill out a complete form with SSN, phones, addresses, occupations, etc.
After dutifully filling that out, the response was "Call us". When I called I was told "We are getting a lot of accounts, so we don't know when yours will be approved. We might approve it soon, or we might send you a letter asking for further information". Since there was a minimum opening deposit of $500, that much is sitting in limbo. I asked if I could cancel the process, but I was told that once it started there was nothing that could be done to stop it.
It's kind of surprising, Discover Card has excellent customer service. As far as Discover Bank, there ar much better ones out there.
I've only had a couple of errors (merchant-side) with my accounts, and every time I contacted customer service I received prompt and genuinely helpful support. Their investigation and resolution teams really know their stuff!