From what I hear, a terrible bank experience looks different.

Also, while not truly terrible my experience with Postbank (in Germany) is awful. I wanted to close my account before, but the clerk in the branch I went to simply refused to do so (only much later did I learn that there is indeed some time limit for closure of checking accounts, but that clerk didn't even bother to mention those).

I need a bank to be first and foremost reliable, secondly efficient. WF, as far as I can tell, meets those requirements (well, they could improve on the speed of check transactions). If the clerks are friendly, I appreciate that, but I do not go to a bank to stoke my ego (once, long time ago, I got paid for three months worth of a contracting job at once and the clerk was very friendly -- that was somewhat unnerving).

WF is the single worst bank I've dealt with in several countries. Dishonest to the core. I can't detail it here, but I spent years fighting them over stupidities and unsuccessfully trying to close an account while living outside the US.

The problem is, the signing up to an account you don't consent to wasn't a system error, it was a deliberate policy at the highest levels (that knew about it and could stop it).

Don't mention Postbank... The only reason why I didn't switch yet us, that due to their IT migration, man did they bitch it, I am affraid they botch the account move as well.

That being said, Postbank is actually rather good. They have physical locations in every postal office, before their migration their online banking worked great. They used to be reliable, offered good conditions. Well, I'll propably not move anyway, assuming things return to normal once the migration project is done.