I’m currently searching for a new bank to open a checking account with. It seems that due to a race condition with my direct deposit, and a mid month statement date, I managed to dip under a ridiculously high minimum balance (waived with direct deposit) in my checking account. Since the account pays a whole 0.010% interest the $12 fee is more than I’ve ever earned from that account in it’s entire history.

As Wells Fargo offers terrible rates and wasn’t willing to do anything about the charge the account is now closed. I just hope my next paycheck doesn’t try to go into that account despite my removing it from direct deposit.

If anyone knows of any good banks out in CA that have good customer service please let me know. I’m seriously considering just banking from my online money market or brokerage accounts, the only downside is ATM operators stick you with fees for being out of network (neither of my banks charge). So if anyone knows of fee free ATMs in the bay area that might work too.