After using this bank religiously for 5 yrs direct deposits ever since I've been constantly denied a 500 credit card or a secured card to help build my credit. Capital One gave me one that's helping and Chimes made me an offer if I direct deposit into their bank. So I'm seriously considering closing my account because the truth is Wells Fargo hasn't given me a red penny as we watch them make money with other people's money. To top it off a rep files a complaint on my behalf and they follow up with we can't do anything for you. Worst bank ever