Great Experience Thus Far

Having read some of the reviews on this site and others about the banking services provided by Charles Schwab Bank and got the right amount information and decided to sign up.  For starters, because of the type of account I created (Joint Tenants) I had to mail in my application.  The account was setup within a week (during the hoilday I must say which was pretty impressive).  Once the account was setup I needed to phone the customer services department and I was pleasantly surprised by the fact that a human actually answered the phone (can't remember the US City she referenced).  But the experience with the customer service representatives was by far the best I've encountered since using online banks!  While its been a short amount of time, this journey is off to an excellent start!