You are correct. I only realized that I had an account problem when I tried to go into the website. The one thing that can screw everything up BIG TIME is your passport. If it is the same one on your account, it is not a big deal, BUT with the new chips in passports, they are a little finicky, and you may have to do that at a bank. FWIW I was told that there was no change to atm card usage. @GreasyFingers When are you planning on coming back to LOS. You might call the CSR and have them annotate your account I sort of found it interesting when I had to make the change I posted about the lies we were told Computers will make things easier. Everyone said I was nuts tht it had.