<prompt> Human: Id like to get everything away from Wells Fargo except my mortgage, which isnt up to me and opened a Charles Schwab high-yield checking account yesterday. I was wondering if people had tips for the best method of transferring my money over and closing the WF account without incurring fees. I will need to move my direct deposit to the Schwab account and that is a stipulation of keeping my WF account fee-less.Im most curious about losing access to my money for the least amount of time possible so all of my checking funds arent floating in the EFT aether. Also, does anyone have tips for making sure that I get all of my recurring direct debit payments transferred over?I also use Bill Pay so I would like to know if its possible to cancel the WF Bill Pay and setup the Charles Schwab Bill Pay to take over this month.Thanks!  <response>: Open a new account.Deposit some money.Transfer all of your direct deposits.Transfer all of your automatic payments.Wait a month to see if you forgot anythingTransfer the rest of your money overClose old account. 