I’ve had it. Some day, before I die, I am hoping against hope that just one month will see all of my online bill-paying take place smoothly and without my having to spend 30 minutes to an hour negotiating a terrible, non-user friendly system, usually made more frustrating by a well-meaning, polite, but nearly incomprehensible non-English speaker. I just went through one of these nightmare experiences with Merrick Bank, which I am forced to deal with because I use its credit card for certain minor expenses. Almost every month, there is some kind of snafu, forcing me to grit my teeth and call customer service. Here is what happened this time:
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Ethics Alarms 
I feel your pain. I’ve been having a similar situation with my Norton PC Security program. It’s so secure that it must delete every password as soon as I enter it, as it asks me daily to create a new password. Trying to speak with a human is, of course, impossible!
Oh…YOU feel his pain?
Yeah, so do I!
(Joking. I was not copying you; just funny that we both started our comments the same way.)
-Jut
I feel your pain.
I had an account with Alerus for our business that I used infrequently. Well, apparently, it was too infrequent. Every time I logged in, it had to reset my password. Every time, I would have to call customer service. And, every time, I would tell them how horrible their online system was.
Well, recently, clients have been asking if the firm takes Zelle. Our bank does not but Alerus does. So, I decided to set it up. I tried logging in. Did not work. Called customer service. They informed me that I have not logged in since they re-vamped their website. So they walked me through the registration process.
It is actually better! It’s functional, I connected with Zelle (look at me, Gen Z; I’m one of the cool kids again); I linked with my other business accounts. I am able to transfer money between accounts pretty easily.
But, the most important thing: it is easier for clients to give me money.
Unfortunately, there are no Alerus branches near you. But, if you are just looking for a credit card, maybe they can do that.
-Jut