Wells fargo is a rip off they hold charges that are not visible online then when you make a deposit they hold it and run the charges so you incur lots of overdrafts then they just say oh well when they claim that deposits go first. what liars they are!!!!!! then card services claims a charge back from a customer that is not legitamate and have now held the $3200 chargeback from our cc deposits and now are hold additional monies as a retainer collections balance. what???????? these people steal outright steal you can't get anyone on the phone the actual bank says they have no control who does who helps us small business owners?? large banks and credit services can steal right out of your acct. and you can do nothing at all no one helps you or protects you where the hell is Obama now!!!! after bailing these a**hole banks out yeah great idea. tell him to pay our bills.