We transferred my savings account over to Wells Fargo on February 6th. Despite the amount of crap that they have ALREADY given me, I'm not going to move it back to F&M, mostly because it's way too inconvenient. However, I'm never ever doing business with Wells Fargo again. Unless I want to be lied to and overcharged.
The minimum for an account with Wells Fargo is 300 bucks, else you get charged three bucks a month. I opened it with $240. I was told explicitly at the time of opening that the fee would be waived if I got it up to spec in, say, a month. And it was indeed gotten up to spec in a month -- in less than a month, in fact. Exactly thirteen days later I was in the clear. Ergo I wouldn't get charged, right?
Wrong. $2.07 "pro-rated service charge". For not having enough in my account for the first thirteen days of its existence. When I was told that I wouldn't be charged.
Mom called the bank, but they wanted to talk to me... I'm probably going to have a residual panic attack any second now, because I truly fear the phone. But anyway. Had to repeatedly give my account info, had to wait to be put on hold, and basically jumped through a bunch of stupid hoops, but eventually talked to someone,, and she told me that I basically had to go back to the person who told me I wouldn't be charged, and ask her to refund it, and that it was then at her discretion as to whether to bother refunding.
Um. Right. Go back to this complete stranger and beg her to give me my money back. When I'm scared of people. Suuuuuure.
I'm not going to bother. The terror of talking to this person is not worth two bucks and seven cents. But I'm never opening another account with Wells Fargo ever again.
Notice that I was under the limit for less than half the month, but I was charged more than half -- hell, more than two-thirds -- the monthly fee?
Jerks.