I thought about this when giving advice on NEW account openings.
It really is NOT worth it to jump on a special if you cannot get to customer service. I just closed an account I had for over 10 years because they consistently would take 15-20 minutes on hold to get to someone. It was not an exception but happened ALL THE TIME.
It is bad enough when you have no control over long wait times ( IRS, Social Security, etc. ) - but any more, I refuse to do business with banks or credit unions who do not staff their call centers to answer calls in a reasonable amount of time. Same thing for "call back" features. If the call back will take over night, then that is a red flag that you are dealing with the WRONG firms.
Of course, I am not including Monday AM or Friday afternoon in this queue standard. Those are, to be expected, very busy times and not necessarily reflective of the norm. But when you call, say on a Wednesday at 10am, and still have 15-20+ minutes wait to get to a CSR, you are dealing with the wrong FIRMS.
FYI - when I leave, I make sure to contact someone as high up as possible to let them know that it is this poor staffing of the call center (again, not an exception basis but consistently LONG hold time) that is cause me to leave. If they object and want you to stay, telling you they were not aware...... I tell them that as management, it is their job to know that average hold times are way too high. So either they really do not care, or they are not doing their job. Either way .... I'm gone.
I would hope that others do this as well. Eventually, YOUR CALL IS IMPORTANT TO US will mean they better care enough to staff the call centers sufficient to not waste my time, and with people to speak ENGLISH clearly.
Also, if you have extended wait time problems, pls post on this web site so others may know before attempting to open an account. There are always going to be some bad reviews about anything, but if multiple people on this web site complain, it is probably a good indicator to perhaps avoid doing business with that business.
"Other than that, Mrs. Lincoln......"