After six days of intermittent service, still no word on what's causing the problem (other than to say that it's unrelated to hacking or the bank's plans to charge a $5 monthly debit card purchase fee). From ABC News:
Cyber security experts counter the only explanation for outages on several consecutive days is a so-called denial of service attack. Denial of service attacks occur when a site is inundated with an enormous number of apparently legitimate requests, which could explain why the site's homepage alone seems to be suffering the brunt of the disruptions. "The only reasonable conclusion is that they are under attack," Steve Gibson, internet security expert, said. "A site of that size should be expected to handle huge volume with no trouble at all...the only time we ever see anything like this is when some major site has upset a group of hackers."