[lxgr]

> It adds 5 seconds

Depends on the bank.

Some make it almost impossible to get past their IVR, which always claims to be able to help you with any issues you might have (as long as the issue is wanting to know your balance and last three transactions).

[patrick451]

Why are you banking there? Switch banks. Don't be a victim.

[lxgr]

I did. Ironically, it was almost impossible to get to a human representative to close the account: At one point, the IVR would literally end the call after authenticating me due to "problems with your account" (presumably my pending/stuck account closure request).