Contacting the bank is not relevant for international merchants in many cases. For example no banks offer merchant accounts to internet businesses in Ukraine where I live. I also had unforgettable experience with 2CO and now switched to http://securemarket.org - they are new on the market and this is why they are more responsive than 2CO, whose priority is quantity, not quality. Most probably there are other option as well - simply this one is the most acceptable for me as it does not require complicated registration process/documents. I don't know how to get a normal merchant account if you live where I live.