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.
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.