Wells Fargo Bank process of debit and credits with checking accounts and debit cards creates excessive over draft charges and it's my belief that they know what they're doing. Its methods makes it very difficult to balance account. I consider it criminal.
There process to debit your largest check amount first which will make your other checks no good, so in turn they get $34 per item that they return. If you use the visa on your debit card it is immediately taken from your account and then credited back that night, which causes confusion with your balance, not that it's there responsibility, but they know this confusion creates fees when the vendor submits item for payment and it then taken from account again.
Those are just two examples of them knowing what they are doing.
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