We keep a WF acct but only use it for ATM withdrawals. Decades ago, it started as a First Union National Bank acct, then a Wachovia act, and now a WF acct. It tickles me because it’s a “no cost” acct as long as we maintain a very small minimum amount in the savings side. The no cost part was grandfathered in from the original FUNB acct. We keep this acct because of the wide WF ATM network, and it costs us nothing to use except for the lost investment potential of the very small minimum balance and the few grand that floats in the checking acct for withdrawals. My SS check is deposited in the WF acct. If it gets to be too much, I roll it over to our credit union acct.
99.9% of our actual checking is done thru our state employee credit union...which costs us $1.00/month.
I hate WF...but love sticking it to them.
Nice. I’ve got USAA, so any ATM withdrawal fees are refunded, up to I think 10 times a month.