I was recently traveling and was unable to complete a transaction. So I stopped into a local branch and a very nice young lady greeted me at the door with a smile and then assisted me. I have fraud protection on my account and I had been making a bunch of random purchases along with coffee, food and gas in various points down the Northrrn, Central and Southern California coast. So when I verified it was me and those were my transactions they unlocked my account and I was on my way. Some people would think that this is a huge unconvince and waste of time, but I am always greeted by a warm smile and had my banking needs met with WFB. I have been a customer since 1990.