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Old 04-22-2009, 07:58 PM   #1
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Default Anyone use Wells Fargo?

Right now I have my mortgage through Wells Fargo and might switch checking/savings/cc from Bank Of America to Wells Fargo as well. BOA has been OK for checking and savings, and I love on-line bill pay to the extent that I have no idea where my check books are at. But on-line bill pay is pretty commonplace now. I know WF has it.

BOA has pissed me off by refusing to give me a good rate on a credit card, even after several requests to lower my long-term rate (not a teaser rate). I have excellent credit (840 score) and have another card at <8% (long-term rate). The 12% BOA rate is just stupid. So I am going to thank BOA by taking my business elsewhere.

I can get a WF checking acct cheap (free) since I have my mortgage with them already. Plus WF has been one of the few national banks that has been reporting good profits lately. That is good, unless of course they are making profits by nickel-and-dime buttsex rape of their customers. Since all us mt.n guys are buttsex experts I figured I would ask if anyone here uses WF and what you think about them.

Thanks
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Old 04-22-2009, 09:14 PM   #2
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wf is the **** man! been with that bank for around 6 years and absolutely love it!
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Old 04-22-2009, 10:44 PM   #3
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I'll agree with Urban, I love Wells Fargo. I have **** poor credit and I've got >10% interest on my card. Wells Fargo has never once done me wrong.

Also try a local credit union for better interest rates if that's what you're really looking for.
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Old 04-22-2009, 11:04 PM   #4
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WFB customer since like 92. kept the account when I moved but dont use it at all. to keep it from costing me money, I transfer $75 in and out of my savings account every month. they waive the checking fee if you have a $75 transfer to savings each month. ha ha.

otherwise they've been fine. except when they unexpectedly dropped the limit on my CC from 21,000 to 3,000. I suspect because it had no balance for like fiddy jillion years.
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Old 04-23-2009, 12:52 AM   #5
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WF on my checking and mortgage. They are fine. Tyical big bank, though. They don't have a clue. I usually keep a bit over $20k in my checking account. It took THREE YEARS to get them to stop trying to upsell me to some other goofy account. Now, it is in plain english on the screen for the tellers not to ask me if I really normally keep that much in checking and to not try to sell me anything. Two more years and the mortgage is GONE!
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Old 04-23-2009, 10:10 AM   #6
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OK thanks for the input everyone. I think I'll be switching over soon.
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Old 04-23-2009, 10:14 AM   #7
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WF mortgage, school loans, and banking.

Had Compass and BoA for banking, hated them (Compass is some remnant of the third reich I'm pretty sure), and tried to get mortgage quote with BoA when we bought house a few years back, and they treated us like ****, thought we were CRAZY for "shopping around" for interest rates, and then pushed all the papers through for a loan without our authorization (we walked in just to see what our own bank would give us on a 30yr fixed).

**** the nickel-and-dime banks, WF has always been the ****.
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Old 04-23-2009, 11:01 AM   #8
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funny thing... I got a wachovia account for a local bank since WF isn't out east.

now WF owns wachovia. so... I can use both ATMs with both cards.
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Old 04-23-2009, 11:29 AM   #9
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I've been thinking about going through one of the banks on www.checkingfinder.com. Dave Ramsey has been talking them up for years. I just checked. With an average balance of $20K and 5 non-WF ATM withdrawls average per month, I can get $1,076 interest per year (4.15%). I can do a bit better, but they have tighter restrictions to qualify each month like 15 debit card payments, one online bill pay, one direct deposit, etc. Also, it was a credit union instead of a bank. It gets me up to $1,200 a year return. Last year my WF account paid me like $16.00 interest.

I would need to do direct deposit (already do) 10 debit card purchases per month (already do) and electronic statement (don't do now but would be willing to do). I don't know how they do it, but many of these banks are paying substantially over CD rates. I suppose they anticipate that a certain percentage won't hit the minimum requirements some months and then it drops to a base rate of 0.10% for that month.

If you are bank shopping, you might take a look.
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Old 04-23-2009, 11:41 AM   #10
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ING Direct customer here since the beginning. They have great rates, mostly no fees, but no physical branch for you to walk into.
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Old 04-23-2009, 11:46 AM   #11
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I used WF when I worked at Los Alamos. I hated it, but that could have just been the branch out there staffed by the local quacks
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