I somehow ended up with wells fargo advisors, I think through WAMU or Chase during all the churning with the banks years ago. From free, no charges, to $20 a year for an account that is losing money yearly. Many of these banks start off with free, then follow with maint fees. I finally had enough and switch over to ameritrade and it seems that Wells Fargo somehow held on to a certain amount? I thought I had it all, but somehow Wells Fargo was still getting it's fees. Well I did it again (transfer) and I did tranfer again, and again I got hit with another termination fee,,, $95! I think after all these years I've lost money. Nver go with ANY bank for these types of accounts!