1. I don't know what the specific maximum daily ATM limit is. I think WF shows 4 suggested preset amounts during the ATM transaction in addition to a manual entry. I was used to hitting the maximum $800 button for a withdrawal. Recently I was somewhat ticked off when I mindlessly hit the same button and suprised at withdrawing $2,500 - luckily I had asked for large bills, I would have hated to get $2,500 in 20s. So they do provide higher limits.
2. I used their Bill Pay once, I was moving over a rent payment from a CU. They stated that it would be via check but it was actually an electronic payment that was received by the following day. I ended up switching it back to a different CU. The problem is when the rent is for the 1st of the month. The CUs state that if the payment date is a non-banking day they will process it on the previous business day. WF states that they will process it on the next business day. I disagree with this process and so switched back to a CU for previous day processing.
3. For SS payments, they send a text message on Sat/Sun with the deposit information. WF does provide early access to deposits, so you would have early access to the money.
4. I have used WF for many years. I initially switched to BECU and wanted to keep just the minimum in WF. The problem with all the BECUs in my area is that they do not provide teller services (i.e. getting quarters) so I initially kept it open. However, I was eventually unhappy with BECU and so switched back to WF as my primary checking account.
Hopefully this helps provide some information.
