text: If you want to bank with a financial institution that have staffs that actually know what they are doing do not come here They may have good intentions and want to protect their customers from fraud but they also happened to be grossly incompetent or under trained to the point they cannot even setup accounts they are recommendingnnCame in on three separate occasions to resolve this issue with their free checking and savings account for making small debit and web purchases but they cannot setup the account correctly because the new accounts were never linked to the primary checkingsavings accounts How I was able to setup monthly recurring transfers with the new accounts I will never know To add insult to injuries I never even received the card that I was supposed to use for said small purchases while protecting the primary accounts The first card probably got lost in the mail as I moved shortly after and it probably did not get forwarded to the new address The second one I cannot explain Maybe I should have made arrangements to physically pick it up from the branch as they cannot stuff envelops and mail it after forcing everyone to go paperlessnnAnyway the staff are pleasant enough but have limited ability to refund monthly fees that were charged except the immediate months that they can view on their screen And after a lot of investigation and tracing the problem to issues linking these new checking and savings account to my primary ones they said it was ultimately my responsibility for not monitoring my accounts Never mind that they screwed up in the first place or the fact that I have no access to it and no reason to monitor it Hell I doubt some thief can fraudulently access the after WF took their cut in the account if I cannot even get to it And if they can then hell they deserve it Escalated this to their new branch managerand she also was unable to do anything after promising to look into itnnWorst customer service ever I am so pissed that I am going to close the accounts take everything out as cash and stuff it under the mattress At least the balance will not mysteriously disappeared or result in a return in under a year If I want to see that kind of return I can just buy bank stocks