Worst bank I have ever dealt with in my entire life. Their customer service is nonexistent. They held My money hostage in my account on a lost card even when I went to the bank with photo id and another card. They said I had to wait for a new card. It has been over three weeks and have not received it. I once again requested another card and they say they are unable to move my money into my other BMO account until I receive the new card.