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FIBI, PCBanker, Lighthouse Bank, American Express respond usually within one day and replies are usually helpful.

A reply from NetBank may take from one day to several weeks. Very often NetBank sends just a confirmation that your message has been passed to a specialist or a general email with questions about your browser, encription module, etc. if you have a problem with their web interface (happens quite frequently). I also got impression that half of NetBank CS representatives do not know what they are doing and replies from them are useless as a result.

USABancshares has almost never replied to my emails beyond confirmation that they received my emails.
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