To be Frank with you, I have had Wells Fargo as my Bank for ages. I have never had a problem, you have everything you need online which is the best option. You can call them anytime as well. You do get a debit card yes, its handy and they have rewards programs you can add on to your checking account as well if you would like. I would recommend Wells Fargo to everyone. Fast drive through, friendly people, you cant beat it!