<prompt> Human: I run a small shop as a college student and I have a tendency to stockpile lots of spare change as a result. My normal bank USAA charges no fees, but has no branches to deposit at so I am looking into getting a bank nearby I can transfer money from to my primary. The main one near me is Wells Fargo. They advertise a deal that would give me free banking, but they charge 15 for wire transfers. Is this really a good deal? I have some money, but Im not rolling in coins all the time so would it be worth keeping an account open for only an occasional use? Are there any other banks any of you have worked with who could be better?  <response>: Wells Fargo is not a good bank for anyone. During the sub-prime mortgage crisis they targeted would be home owners with the intent to foreclose their loans. Thats just the beginning. Very scummy institution. 