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Wells Fargo - Opportunity Checking Account

  • by   May 18, 2011
  • Review #: 238461
Company Wells Fargo
Location Provo, Utah
Category Banks
Views 5002

I opened this type of checking account at Wells Fargo,because they say you have a second chance.I opened it on Saturday.I went on Wed. To cash a check,I was told there is a block on your account,you need to call this number.I called the number,I was told we are going to close your account,your name is on ck systems.I said you knew this when i opened it.She said oh yes,but we open it,and then loss prevention does further investigation.I was so upset and embarrased.What an awful thing to do to anyone.They had not contacted me,If I had not gone into the bank.I was also told,we will mail you your money in 10 days,I replied oh no you want,I want my money today.I was given my money.I advise you,if you are going to this bank,to open any kind of account,make sure loss prevention is cleared.I have never of such a thing.I think they made this up,to avoid telling me the real reason. 30b1086

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Feb 21  from King City, Oregon
we also closed wellsfargo account, they put us in oppornity account which we didn't know that was, its a second chance for people who have trouble opening up acct and is in the ck system,I looked it up and went to 5 different banks and we are not in there ck system etcalso the manager at this branch was rude , and snot,she made a statement well you haven't done it yet, this was not the manager who opened up our acct. other people I talked to have heard bad advice about having acct at wellsfargo don't do it ,. your better off
Reply to tigger

Dec 21, 2013  from Seattle, Washington
I don't really get the difference between wells fargo opportunity checking account and a regular checking account. been awhile since I had a checking account but if the check wasn't issued from that bank (they can verify the funds are available immediately if it's issued by them) or you didn't have enough $$$ to cover the check in your checking/savings it would take 2-3 days for the check to clear anyways. so having to wait 1 day is nothing. There arn't any fees so long as you either A: Direct deposit $750 a month which anyone should be able to do. B: use your debit card 10 times in a month, C: deposit $25 into your savings every month (which you can immediately transfer to your checking or withdraw.)

The only downside I can think of is that you can't deposit at an ATM. *** opportunity checking even comes with free overdraft protection (It just transfers money from your savings to your checking to cover the difference) I guess it's kind of *** that they'll charge you $12.50 if you don't put that money back into your savings after 24 hours. Kind of a stupidity tax I suppose.

It seems like a pretty solid program to me. especially for a bank that has locations all over the country.
Reply to nunya

Dec 21, 2013  from Seattle, Washington
h e double hockey sticks and du mb were censored?
Reply to nunya

Oct 09, 2013 
when we opened up an account with wellsfargo we didn't know it was an opportunity account and he did not explain about the account or we would of never opened one.
we never had any bad experience with opening up checking acounts, also wellsfargo LIED!!!! about us being in the check systems, I went to 5 different banks just to see if we were in the check systems and we were not. so I could open any branch.
they will not remove this and go into the basic checking we are going to another bank,
everytime someone gives a check for some work my husband did etc we cannot use this money until the next day THIS IS ***!!!
we have to deposit and than cash ,
a family member who also has wellsfargo (retired) gave us a check for some work and I needed that money for my new glasses etc I took into the tigard,or branch and I asked them if I could write on this today and told me no ,not until tomorrow , I got mad and told her I want the money now not tomorrow, she put it on my debt card , I shouldn't have to go thur this everytime someone give you a check, these were wellsfargo accounts , or any bank they do the same
Also my credit score is alot lower than the bbb saids, this is also *** ON THERE PART :upset
Reply to CLYDE

Dec 21, 2013  from Seattle, Washington
it's hard to give a grain of salt to someone with such poor grammar and understanding of how things work. Maybe you're just angry so you're not making much sense, but to me you invalidated your own argument. the BBB or better business bureau has absolutely nothing to do with your credit rating... and even if they did, but were saying your score is higher than it is.. well you should be thankful...

"these idiots shouldn't have been given money"
Reply to byob

Feb 21  from King City, Oregon
your the *** ,and so what makes you so perfect ? bbb does not tell your score but people go the message , you can stick it wear the sun don't shine,
Reply to tigger

Oct 15, 2013 
A credit unionruns credit checks - so they would deny you too.
Reply to John Mc

Aug 28, 2013 
the Opportunity is just that an opportunity to do better this time around. There are so many restrictions because you have screwed up in the past and all this is preventative. I have never written a bad check in my life but I did go overdrawn for $5 with Union Bank years back and it was 3 different transactions totaling $5. I was charged 3 overdraft fees of $35 each. I thought that was absurd to pay $105 in fees for overdrawing my account $5. I called to complain and they wouldn't do anything about it, I went to my branch and they didn't help either so I deposited $5 to cover the overdraft and never used that account again. Of course this went to collections and made it impossible to get another bank account. Until I went to Wells Fargo. In June of 2011 I opened an opportunity account. I'm not a huge banking person. I had my paychecks direct deposited (which made the account free). I used the debit card for my daily purchases and used online bill pay...Never had any problems with the account. I've only had to deposit a check twice and yes its a pain to have to walk in to the branch to make the deposit but its more of a pain to have to drive around to the bank that the check is drawn on to cash as a non member and have to supply two forms of ID and a finger print each time.

Good news also because I never overdrew the account or had any problems on my end my account was upgraded 13 months later.

Oh and as for Union Bank I got a notice in the mail
... Show more
Reply to Happy with Wells

Aug 26, 2013  from Germantown, Tennessee
You all can get an account with usaa anyone can get a checking accoint with them u don't have to be in military and u can be in check aystems yes its in texas but it is a good bank you get all of your atm fees back and other ways to get money back :)
Reply to Anonymous

Oct 03, 2013 
they are no longer accepting non-military account as of 08-24-13
Reply to Anonymous

Aug 24, 2013  from Beverly Hills, California
If you're using opportunity checking it means you made financially irresponsible decisions. You degenerates deserve the crappy service they are giving you. Quit over drawing and bouncing checks and you won't have these problems you broke losers.
Reply to Anonymous

Aug 29, 2013  from Beverly Hills, California
Says the douche bag who still lives with his mom. Mommy take care of you does she? You want to talk loser? Go look in the mirror.
Reply to Anonymous

Aug 31, 2013  from Hayward, California
What a ***!!
Reply to Anonymous

Sep 07, 2013  from Woodbury, New Jersey
You need to shut your ugly mouth! I know your perfect and never made a bad decision in your life right? What a goon!!
Reply to JohnnyMack1982

Oct 09, 2013  from Tigard, Oregon
YOUR NUTS!! WE have never,never overdrawn or bounch a check ever 8yrs ago we went bankrupcy
Reply to clyde

Dec 01, 2013 
Not true, I was only offered opportunity checking because I had been studying overseas in the UK for 5 years where I had a Premier checking account with Barclays PLC. I didn't have any debt so there was nothing they could go on for credit score. Despite high balances in my accounts Wells Fargo remain unwilling to raise my purchase limit on my debit card the deposit thing is not really a hassle as I never come close to spending my entire paycheck it's just awkward not being able to buy things with my card. Long story short it's not just people who have not met financial commitments that are stuck with this account.
Reply to Anonymous

Dec 13, 2013  from Sherman Oaks, California
Reply to Anonymous

Dec 21, 2013 
Yea, because overdrafting in your checking while you have a fair amount in your savings and being charged a $35 fee. Then you stand up for your beliefs and against banking (Umm anyone remember the 2008 Bailouts? AIG had over $1 billion in bonuses distributed to 72 people that year, thanks to degenerates) and withdraw everything from your account except the $0.07 you overdrew.

I'm a proud degenerate, because I didn't let BoA bend me over and fornicate without lubrication.
Reply to bah

Feb 21  from King City, Oregon
for your infro we have never overdrawn or bounced checks , also my credit score was a lot lower than my bank score, I checked it out and who cares if you don't spell a word right
Reply to tigger

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