I've financed my home with Wells Fargo. The mortgage team is awesome at helping me decide best decisions for paying off home sooner.
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This is the worst banking experience that I have ever had; and I had some pretty bad experiences. In a nutshell, Wells Fargo has expert statisticians that have developed algorithims where they come out on top at your expense. If you have overdraft protection, they will delay the processing of funds and immediately clear transactions first which so they can charge you the most money and will clear one transaction in the evening; hitting you with a $35 charge; you go to be with a postive balance in your account, then clear another transaction at 1 in the morning so they can hit you with the second $35 charge the next day. You run to the bank and deposit funds to clear any deficit, they delay the processing of the funds and again hit you with another $35 fee when a recurring debit is processed that you forgot about it. Even whey you cancel your overdraft protection, they won't admit any wrongdoing..... they will issue a credit but for $8; not the $35 that they wrongfully charged. If you are like me and want to have as much money in savings as possible and use your checking for your monthly budget, if you exceed your budget, they charge you $12.50 to use the money in your savings account if they transfer the money to cover the $1. It is like majic, one day your money is there and the next day it is gone..... How can they charge an overdraft fee on someone that does not want overdraft coverage? Their sneaky legal team wrote into the fine print that the overdraft protection only covers debit transactions. If you have your bills paid using the ACH system where you enter the routing and account numbers as many bills require instead of a debit or credit card, you can not opt out of overdraft protection...... You will pay and Wells Fargo has mastered the practice.