A bank on the ball

Yesterday I was attempting to make my mortgage payments for the first time online. Missing the option to have the payment electronically debited from my checking account (the company's site is very poorly designed,) I was trying to put it through on my debit card as a Visa charge. It failed the first time so I tried it again and it prompt re-failed. At that moment my phone rang and it was BankOne calling to verify I was attempting to make the charge and that it wasn't fraudulent. I told them I was trying to pay my mortgage and they told me to try again as it would no go through. Hours later, I officially cancelled my old Wells Fargo account.