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I have recently experiences what was called open your free checking account online! The process was super easy at first untill it got very complicated. The absence of communications has made it very difficult to know where I stand with my accounts. Trying to set up my accounts online was very bad. First it said that I needed my pin to set up my accounts. When I got my pin and tried to set up my account, it told me that i was already assigned login and password, that I have never recieved. Tried to set up for bonus points and it told me that my card was inelligible. It drove me absolutely nuts. I ended up going to the bank and yelling at them. The lady was very nice and I wished I just went to bank to open my accounts. They should have a big warning for online users: "If YOU ARE TRYING TO SET UP YOUR ACCOUNTS ONLINE, PLEASE BEWARE: THIS IS PAIN IN THE BUTT!!!!!!!!!"