Beware, wellsfargo has horrible bank practices. Fees for everything. They cleared my pay check (which took 3 days) then charged me over draft fees for spending it. Then I called them to ask what was going on and the asked me why I wrote a check when I didn't have the money to cover it. Ugh, I told them I didn't write a Check, I went in and pulled out cash (why they released it if it wasn't in there is beyond me other than its an easy way to make a quick 35 bucks to pay their employees) bottom line, the banker on the phone was as rude as it gets. Even laughing at the fact that I got "screwed" I plan on pulling every blood red cent out and taking it to another bank.... Any other bank. I hate HATE Wells Fargo. If Wells Fargo had a face, I would kick him in his balls. I would give a -10 rating if I could!
I checked my bank account online and had seen that I had received three overdraft charges of $35 each within 20 minutes for three small purchases. I called because I work for a non profit and am paid on a stipend so those charges I couldn't even afford over $100 in penalties. I called and explained my situation, and that I have been a loyal customer for over 8 years in good standing. The representative told me that I shouldn't be spending money that I didn't have, and that was my responsibility to check in between purchases, not there's. They kept insisting there was nothing they could do, even when I said I couldn't afford to keep my account with Wells Fargo. I did not feel like a "valued customer" at all and plan on closing my account.
Do not do business with Wells Fargo. They are like a siren's song. It sounds good at first, but once you need service, they will disrespect and abandon you to the brink of financial ruin. If you are 100% confident you will never need a loan modification, to refinance, miss one payment, or ever need to speak on the phone with someone who will treat you as a valued customer, then try your luck.
As for me, I was blessed to have family help me with my payments to the loan sharks, I mean Wells Fargo, during my lay-off and I paid them off and feel so relieved I do not do business with them anymore. Ultimately, if they had been sweet and understanding about my situation but not be able to assist me with loan modification, refinancing, or payment schedule; then I would have understood, but it was the nasty dehumanizing way their reps talked to me that inspired me to write this review - "if you cannot afford the loan we don't want your business." They don't even have a customer feedback tab on their website which let's you know they do not give a DAMN about providing customer service. They are worse than Chase.