I understand that banks are not open on Sundays. I understand they close early on (every day cause bankers are lazy as crap) Saturdays. However, if you, as my bank, send me a letter that requires me to call you to take care of something, you need to specify what your hours are. I can never make it to teh bank during their open hours, that's why ATMs are great and why I do most of my banking online. However, I can't close an account online and transfer funds into another account at the same bank, for some retarded reason. So I have to call BOA. Their letter give me an 800 number. And I've been so swamped at work I just haven't had time to do it. So I tried to call today. Wow! I can actually get a bank person on teh phone on a Sunday! My exhuberance proved premature however as he explained that their CD department is only open Monday through Friday. That would have been a nice thing to note in your letter. Also, why do you only give me 7 calendar days to take action instead of 7 workdays since you're not open on weekends? This is strike two Bank of America... One more and me and my money are going to Wachovia. I'll do it, I swear!