I think ACCESS BANK is one the best banks in this part of the world. I had never had nay reason to doubt their competence in every aspect of banking services including customer care. I think every merger comes with challenges, that was exactly what ACCESS BANK was experiencing... but i think that issue had been resolved as I got an alert almost immediately i made withdrawals from the Bank's branch in Calabar right there at the counter before my money was handed to me by the cashier.