It is always down or server too busy and then when you finally get on there you cannot access your account because it says cannot access at this time contact customer service. I can tell you my theory. It doesn't cost anything for us to check our account online but if you use the call option it is .25 cents every time you call. Imagine the money they are making if millions of people have their account charged the .25 cents per day. Think about it...pretty smart.
