Everbank.com has been my bank for almost a half-a-year, and it is a time for an update.
I had a very high level of problems at the beginning; it seemed never-ending. My level of frustration was to the point to withdrawal all my funds and go to a different bank. My wife even said she wanted to take it out because she was worried about the future of our money.
Months have passed and things have improved dramatically, mainly because I no longer need to contact them for anything. I received the 6.01% introduction APR and I could not pass that up.