Thanks for all the help. I tried retrieving my userid and password, as I didnt know Mellon took over for fidelity. I had one with fidelity, but now is useless as they are sending me a new one, then I found out of the change in bank names. If you have ever seen the Capital One credit card commercial with David Spade, and the bobble head No doll that is what my phone conversations were like with mellon and teamsters cs plan, no,no , no no you cant do that, and you cant do that either. But I never take the first nos seriously, I am going to look at the self managed plan. Thanks again.