Wells Fargo, Pennsylvania (formerly Wachovia) is a fairly decent bank. I had an issue with a previous bank that ended up in Chexsystems. Wells Fargo gave me a chance when nobody else would. The fees are reasonable and despite The account restrictions with The Opportunity Checking, I've had no problems to speak of. However, I must say that the wait times are awfully long for a teller. I've had to wait up to 15 minutes for help.
Update: They've become really bad. The honeymoon is over, and I'm done with Wells.
I have checking, savings and brokerage accounts at wells fargo. I noticed that my online access to my checking account was not available. So any reconciliation I intended to do was impossible. The next day I tried to issues trades on the brokerage account (around 9:30am Mondday). However the brokerage link never returned a response.
I went to another institution to transfer the brokerage account to a more reliable service. Now I see a $95.00 charge for a "termination fee".
I am closing all my accounts after this.
I suggest that you reconsider doing any kind of business with Wells Fargo. If you have an account, get your money and get it to another more reliable service provider. Be careful though. Wells will gouge you if they are able. I suggest going to the bank and requesting CASH.
I have to say that my husband and I could not be MORE PLEASED with the handling of our retirement funds! We put my 401K and my husband's limited savings--both of which had lost money during the recession and were not gaining much back, in the hands of the Wells Fargo representative Mr Joseph Kirby here in Jacksonville. He has grown our money unbelievably well, and has FAR EXCEEDED our hopes. We never thought to say it, but "Here we come, travels and cruises!" The Lyles