i have the same issue. also, they dont' take a financial hit. they don't express mail it for free, of course. the charge is 55 dollars. i think the american banking system right now is rather primitive. they don't have much options and sensitive mail like debit or credit cards should have tracking. it is pathetic.
here is the stupid kicker. they send out debit cards with pin numbers first class but they won't send it out express mail which even has better security or tracking even when you pay for it to a home residence. they only send it to the branch. what backward totally illogical idiocy. i swear, who makes these idiotic rules?