One of the reasons your banks are blowing up all communication channels saying "Please don't come in to ask questions. Our phone lines are overwhelmed. Have you tried online banking for routine transactions?" is the stated, obvious one. One reason is unstated.
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Ditto for moving money between brokerage accounts (IRA). Takes about a couple of weeks with paper forms and checks being sent over mail from one institution to another.
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One day America will be a truly advanced nation... one day.
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