She calls across the bank to an account rep . ( luckily the bank has no customers right then ) and the rep calls me over . At any rate , my internet and phone are turned on TEMPORARILY and the bank is looking into what happened . Boils down to this ...

Question: Why is the narrator so stressed this morning ?
Answer: Their bank 's ATMs were down .None of the above choices .Their bank froze parts of their account .Their bank was not open .