I've experienced first hand wells fargo. I would never bank with them again. Rife with fraud. Even though it was the employees it is still wells fargo to blame.
I will not go into detail except to say your account is only as safe as all the individuals at the bank that have access to it.
I had an interesting experience with a Bof A platinum... I was "fraud alerted" after a sequence of two events:
1. a 1 dollar yahoo charge was submitted and accepted
2. a $3300 Nieman Marcus charge was submitted and DENIED.
It WAS a common id theft scheme. The scammer would submit a random 16-digit number in a trivial online charge. Once it went through, he'd tap his newfound "card" for a larger charge. This occurred about 4 years ago - and I note that it was soon after that they started demanding the additional 3-digit code (found on the rear strip) to submit your online charge. Supposedly some of it had gotten sophisticated around automated serial requests of random 16-digit numbers.
Anyway, kudos to the BoFA for preventing a fraud. They said it drew a flag because of the rapid sequence of the two disparate oinline transactions and because I don't normally charge 3300 bux on haute couture. Geek and tool couture is more my speed.
Speaking of which, I'm getting another MacMini to set up AH station 2 so that I'll have 2 "cockpit" nodes on the home LAN. Guests can take a turn iin the DA against me (the ystill have free 2-weekers, right?). This is really targeted at my b(r)other in law since he loves flying the Spitty and Pony in MS Combat Flight Simulator. He's such a noob I'll be able to teach him what for using an 'inferior' 109 - then go across the house to do a monkey-aced endzone dance about it.