Dealt with WF bank once years ago. That was enough. Made me always pay off mortgages and loans early to get out from under the bankers jackboot. Did it cause some pain? Yes but today I live debt free and have a nice little stash while not wanting for anything. Really did not miss anything throughout the years but never had a bankruptcy like many did and they are still tied to those dreaded bankers.
Had an account with them a few years ago. It wasn’t paying any interest so I asked if they had any other options that would produce income.
The guy proposed that I should borrow money from them and get a “tax refund” on the interest!
Moved my money out as soon as I could and never looked back.