I have banked at Wells Fargo since 1977. I haven't had one problem with them in all of those years. And, now, I am a Premier Customer. For young people, I suggest you begin with this bank. Start investing in Wells Fargo Investments, increase your savings account, have a direct deposit to your checking, and never bounce a check. Then when you are older, you can be a Premier Customer also. There are many advantages to this honor. You have a special teller in the bank just for Premier, and you don't have to wait in the long lines. You get free checks and on-line banking. There is a special phone number for Premier banking service. And the list goes on. They have had other specials like this in the past years that I have been with them, which I have taken advantage of, so they definitely do honor their loyal customers, if you stick with them for a long time. For the other people who already bank with Wells Fargo, I recommend you check out Premier Banking. It is recommended by Wells Fargo that you go in once-a-year and review your accounts with them, because you never know what you will qualify for. That is what happened to us. If we hadn't gone in to take some money out of our savings, we would not have found out that we have been qualifying for Premier Banking for quite-a-while and didn't know it.