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).