My mother helped me open a bank account with wells fargo when i was 12 years old. For years, it was the best bank around. There were no surprise fees, no problems with my deposits, and no trouble whatsoever to get an overdraft fee rescinded, even if the overdraft was my fault! I was so grateful to them for their efforts to keep my banking experience hassle-free and inexpensive. Not anymore. It's been twelve years since i opened my account, and the last couple of years have seen the bank go into a downward spiral.
I don't know what the issue is! Suddenly they tell me i have to pay a fee, but they never tell me when said fee will be deducted. I get an overdraft and have to fight tooth and nail just to get half of my money back, and get my account switched to the kind where you have to use your debit card ten times a month for it to stay free. I don't like this uncertainty. I just know this is going to lead to more overdrafts, especially with the way my wf online never seems to accurately portray my spending history, and how unreliable they've become regarding deposits. What happened to the xbox live charge that showed up yesterday?
Why, pray tell, am i unable to access my own money for days after i deposit it? There is no excuse. Just today, i had to leave my boyfriend at a restaurant and drive to the atm because the transaction failed. Money in my account, nothing wrong with my debit card... What's the problem here? My level of customer satisfaction has plummeted to the point where i'm pretty sure it's underground. And i just want to strangle the tellers when they give me that fake smile after i ask what's going on and they tell me there's nothing they can do, have a nice day!
Great bank with a multiplicity of options. As a student, I appreciated the overdraft program which gives you a 'cushion' of credit for overdraft protection instead of innumerable fees.
There are definitely other reasons to use Wachovia, such as availability of ATMs, (almost) free-checking, etc. But these are the main benefits.
we have had wachovia for maybe a year and since, whenever our direct deposit is set to be deposited they find ways to charge us fees. the latest they charged us nsf fees for funds that cleared our account and they fees that caused our account to go into negative, then they charged us more fees for having a negative balance. might i add, i called and spoke to someone months earlier to take off overdraft protection so if funds were unavailable the card would be declined. i would not recommend anyone to use this rip off bank and definitely don't do direct deposit.