I have tried twice this morning to apply for a personal acct online but towards the end I get a window that says " coupon code already redeemed- proceed without coupon or go to home page". This despite refreshing the cert and getting confirmation from "online chat" gal that the code is in fact valid.

She has told me that this cert needs to be brought into a branch to open an account. I told her others have done it online but she simply apologizes. Any thoughts much appreciated.