i have had a great experience with wells fargo. their employees all know me by name and are always eager to great me. yes, they do have expensive overdraft fees, but you have to remember that they are still a business and do not loan money for free. when you go overdrawn they don't decline your transaction, on a normal basis, this saves you the embarrasment of being declined or the urgency of needing money in an emergency situation. when your acct goes overdrawn, you are borrowing money from the bank, i completely understand why they charge. also, if they didn't charge, ppl would go overdrawn all the time. i have found that there are several ways to keep your accts free. the best thing is to ask questions, read the papers they give you, and visit your store frequently to get financial reviews to make sure everything is going well. wells fargo has been nothing but helpful, corteous, and all around a great experience. this is a professional top rated bank. also, in doing my research, through this troubled time that our economy is going through there are many banks, including wamu, that are asking the government for help. wells fargo is one of the only banks that is still reporting a revenue and not asking for help. i feel secure in knowing that the bank i'm with also knows how to take care of their own money. i don't know why anyone would want to be with a "free" bank when it's going under anyways. also, i got my 15 yr. old niece a teen checking account which is the best invention a bank could do. it is completely free and a great tool in teaching my niece how to manage her money. all the ppl that are complaining, i'm not saying you didn't have a bad experience, but maybe you need to look at all sides of the spectrum. also, most of you that wrote negative comments, do you ever write anything nice about anyone? Guaranteed you've told more ppl about the bad experiences you've had with businesses than the amount of ppl you've told about the good ones.