It used to be amazing. You could start a real time text chat even in the middle of the night, and they were so helpful, professional and friendly, and followed up when they said they would. It was shocking and wonderful.
I'd agree with both sides of this. I was a customer for years and anytime I had an issue they'd respond very quickly. However, getting my wife to get an account approved so we could have the shared/joint account feature was impossible and they would never explain why.