It Took Several Weeks (4

It took several weeks (4?) and many phone calls (6?) to determine all the ins-and-outs of getting an account opened, getting set up for online banking and estatements, getting PINS for the cards, etc.

My paperwork was misplaced by the bank at one point, and several times my phone calls were not returned within a few biz days.  The staff was friendly but the operation seems very inefficient.  I just logged in (online) and find nothing on the login screens about the rates having dropped from 3.2% (what it was when I opened the accounts in Feb-April) to 2.75% on 5/13/2010.  The login screens need to share this information upfront.