We've been with Wells Fargo before it was Wells Fargo. We opened our account when they were still Kelly Field National bank in about 1965. We recently tried to make our living trust the beneficiary on our account. When we called the first time, we were told that we had to send them a notarized letter and a copy of the trust certificate. We did exactly what they said to do. A couple of weeks later, we received a letter that said we would have to physically go into a Wells Fargo bank to accomplish updating the beneficiary because they need a "wet" signature. However, there are no physical Wells Fargo institutions within 100s of miles. No alternative ways to accomplish it. So we've decided to close the account and as soon as we get our direct deposits moved, they are history.

I have an auto loan with them, after years if paying my bills on time, I decided to go paperless and they promised emailing me the bill to remind me, they did it twice, and this month they decided to stop. I remembered my car payment and went online to check it, to find out I was few days passed due! Bad banks, would try to screw you up like that, Fock wells Fargo.

I've been with WF for many years.... since they were First Union bank. I stay for the convenience of the branches but not the savings rates. I use the checking as a hub to pay bills and route money from closed CDs to the next bank that has a great rate. Helps keep my paperwork in order but I leave it in WF for the shortest possible time.There hasn't been a great cd rate since they were Wachovia. The checking and money market pay .01 which is the equivalent of zero! But I'm grandfathered in to no fees with low balance requirements, free checks and a free safe deposit box. I've found their branches go from super friendly to totally unhelpful so you have to look around. When I cashed in a savings bond one branch refused to make a copy of it for me, another made 2 copies with a smile!