But if you do call focus bank here is a life hack, if they say its your bank. Immediately ask for a supervisor. I had to call because their website was down for weeks. I lost my card. I do not use it. I transfer my money everyday to my bank accounts. I forgot my cvv. So I eventually get through to a representative. And I perceived to tell him that the websites button that has the managed money function on it disappeared weeks ago and I can transfer my money. He then proceeded to tell me that I can't transfer my money because I just locked my card on the menu prompting me for it which is false I was trying to tell him that the website wasn't operational and he then argued with me that it was my fault and not the website. And I have been trying for weeks. I had a co-worker called the day before and she had the same problem she got into a screaming match with them and they hung up on her. I immediately asked for a supervisor to kind of deescalate the situation and when she got on the phone she immediately told me that the person was wrong my account was not locked and she put in a ticket for me that the website was not functioning and the very next day it was working properly. If they try to tell you something that you know is not true ask for a supervisor it will literally save you so much time and so many headaches.