I understand what you are saying, but every bank and branch has its own set of rules and not all go by that memo lol. If you really want one that bad pay an agent.
Unfortunately in this world we live there are all sorts of people, including Karen's, Todd ignore and move on. Your advise and knowledge is invaluable and can not be replaced. I for one appreciate your message when I wasn't 100% sure what way to go, and it was great to get your advise, and confirm that the way I was going to do it was correct. Thank You