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chicagohh - 5:54 am on Jul 28, 2004 (gmt 0)
My brother just set up an account with them through their web site. He had no problems and all it took was a couple of days. I would try again, but apply online.
I use Wells Fargo and am very happy - no monthly limit and great customer service. I don't know why you had problems... maybe it had to do with meeting with them?