Visited my local branch in March of 2012 to let them know I'd be going overseas and using my debit card. They offered me a service for $10 a month where I would pay no ATM fees on overseas withdrawals and overseas health cover for future visits, there was not enough time for the trip I was taking in 2012. Called them 15/06/2016 to ask about health cover for a trip I am taking next month and was told that program ended in August 2012. For the past four years they have withdrawn $10 a month from my account for a service that has not been available. They refused a refund of fees for this non-existent service. Closing my account after being with them for more than 30 years. Very disappointed.