Apparently tellers are unable to help people opening a new bank account. I had to make an appointment because the only person able to accomplish this delicate and complicated job was the man I was talking to & he was too busy. There was no one else there waiting for him & he walked into an empty office after our conversation. When I needed to book another appointment I called & left a message, and again the next day and the next- no response. I will be going elsewhere for "personal" banking.