Online banking outages at the $1.6 billion Orlando, Fla.-based Fairwinds Credit Union were so bad this winter, on Feb. 13 CEO Larry Tobin wrote in an email to members that the service disruptions were "unacceptable."

"FAIRWINDS is responsible for the level of service you receive. Frankly speaking, we owe you better service," he wrote.

Tobin readily assigned blame for the outages: Digital Insight.

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