Well, in keeping things family friendly I'l just say Wells Fargo is a hard bank to like as a customer. I banked with them for 10 years, closed my accounts in 2010. I had checking & retirement accounts with them. My IRA 18 month CD matured and they automatically rolled it over to their shortest CD, 6 months, paying only 1/10th of 1%, so I called and told them No, I want another 18 month CD paying over 1%, and was told I needed to come into a branch to do that. I told them the nearest branch was over an hour away; didn't matter I needed to come into a branch to change the CD term. So, I went to a branch, and told them "Close all my accounts and give me all my money". Their final insult was a $25 fee to close a checking account that had been opened for 10+ years, they have always been one fee happy bank.
I decided to try them again in January when they offered $250 for new accounts, and moved part of my income to them - $500/mo. in DD to avoid any fees. Yes OP, can easily add external accounts for moving $$$ to & from WF, it's under "Transfer and Pay" at the top - I have a couple external accounts connected, WF will do 2 trial deposits to confirm the account. And no, there's no fee to transfer $$$ from WF to an external account as long as it's under $500 per transfer - I just transferred $300 from WF to Penfed yesterday, as I prepare to close my WF account an move that banking to Penfed as Penfed has much better CCs and other credit products. Wells Fargo does have attractive $200 spend bonus for 3 mo. $1k spend on most CCs right now, if you're willing to take the HP (EX) & new account for the spend bonus & churn, but for a long term term CC look elsewhere..
