If you want to bank with a financial institution that have staffs that actually know what they are doing, don't come here!  They may have good intentions and want to protect their customers from fraud, but they also happened to be grossly incompetent or under trained to the point they can't even setup accounts they are recommending.\n\nCame in on three separate occasions to resolve this issue with their 'free' checking and savings account for making small debit and web purchases, but they can't setup the account correctly because the new accounts were never linked to the primary checking/savings accounts.  How I was able to setup monthly recurring transfers with the new accounts, I will never know.  To add insult to injuries, I never even received the card that I was supposed to use for said small purchases, while protecting the primary accounts. The first card probably got lost in the mail, as I moved shortly after and it probably didn't get forwarded to the new address.  The second one, I can't explain.  Maybe I should have made arrangements to physically pick it up from the branch, as they can't stuff envelops and mail it after forcing everyone to go paperless.\n\nAnyway, the staff are pleasant enough but have limited ability to refund monthly fees that were charged, except the immediate 3 months that they can view on their screen.  And after a lot of investigation and tracing the problem to issues linking these new checking and savings account to my primary ones, they said it was ultimately my responsibility for not monitoring my accounts. Never mind that they screwed up in the first place, or the fact that I have no access to it and no reason to monitor it.  Hell, I doubt some thief can fraudulently access the $200 ($162 after WF took their cut) in the account, if I can't even get to it.  And if they can, then hell they deserve it.  Escalated this to their new branch manager,and she also was unable to do anything, after promising to look into it.\n\nWorst customer service ever.  I am so pissed that I am going to close the accounts, take everything out as cash and stuff it under the mattress.  At least the balance will not mysteriously disappeared or result in a -18% return in under a year. If I want to see that kind of return, I can just buy bank stocks.