Totally hopeless

Bear in mind that telephone and internet services were not available until late on Tuesday - ie Wednesday in banking terms. This makes one weekend and two working days where accounts were inaccessible and charges were ramping up for anyone with say an unauthorised overdraft or credit card due for payment. It's an internet-and-telephone-only bank, so it's not as if you can pop into a branch. It's all very well and laudable that IF admitted that they screwed up, but that shouldn't detract from the fact that if internet and telephone are the SOLE ways of dealing with customers then these should be kept running at the published times.