I have banked with WF for six or so years now. I have a checking, savings, credit card, and they are the lender for my federal student loans. I would suggest getting their credit card so you can get overdraft protection. Your fees will be way way less than most banks if you have this. Plus, the overdraft goes on your credit card, so your checking acount doesn't go negative. Plus, if I spend too much over the weekend, as long as I either deposit a check or transfer money from my savings/WF visa into my checking on Monday, all of the balances will even out by Tuesday and I won't overdraft.

As for when you miss a payment or two, yes, WF will harrass and if it is a loan, they may repo your collateral. But this is true for any big bank like WF. Smaller banks and credit unions are better for this reason.

So, don't screw up your account. WF has a great online banking system, so check it everyday if you can.