I opened this type of checking account at Wells Fargo,because they say you have a second chance.I opened it on Saturday.I went on Wed. To cash a check,I was told there is a block on your account,you need to call this number.I called the number,I was told we are going to close your account,your name is on ck systems.I said you knew this when i opened it.She said oh yes,but we open it,and then loss prevention does further investigation.I was so upset and embarrased.What an awful thing to do to anyone.They had not contacted me,If I had not gone into the bank.I was also told,we will mail you your money in 10 days,I replied oh no you want,I want my money today.I was given my money.I advise you,if you are going to this bank,to open any kind of account,make sure loss prevention is cleared.I have never of such a thing.I think they made this up,to avoid telling me the real reason.

Product or Service Mentioned: Wells Fargo Checking Account.

Location: Provo, Utah

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My wife and I are stuck with this opportunity checking. There are no Wells Fargo locations nearby, so we have to drive 20 minutes to get to the bank if we need to make a deposit.

There is an ATM right down the street, but we can't deposit through it. This wouldn't be such a bad thing if the whole need for the opportunity checking account hadn't been Wells Fargo's fault in the first place. I had previously had an account with them and Wells Fargo allowed an unapproved, unknown 'educational service' to withdraw from my account. I never wrote them a check or gave anyone my account information.

The educational service was an obvious fraud.

Still, they took all of my money and left my account 100 dollars in the red. Wells Fargo closed my account, never refunded me for the blatant fraud, and then left me hanging.


Did you ever speak to their fraud department? Probably not.

Your account would have to be overdrawn for at least a month or two before they can close it, this is the law. I bet you just called customer service, got all mad, I'm sure they even told you that you needed to submit a claim for the fraud, and you never did because you just expected them to give you your money back on the spot.

That's not how it works lol. If you file a claim for fraud, you get your money back.

I've never seen a claim be denied for something like that. With any bank.

"Left me hanging" lol you probably are the one who left THEM hanging ya *** lololol


Same thing happened to me. Wells Fargo is evil.

$50K car loan paid with them.

I CLOSED my account due to identity theft per the LAPD with a zero balance owed to them and I am black listed from Wells Fargo when I closed my account with a ZERO balance not them and I am told after opening an account then they closed it" We are an at will bank" you are NOT on Chex Systems or who us money we just don't want to do business with you. F Off Wells Fargo!


we also closed wellsfargo account, they put us in oppornity account which we didn't know that was, its a second chance for people who have trouble opening up acct and is in the ck system,I looked it up and went to 5 different banks and we are not in there ck system etcalso the manager at this branch was rude , and snot,she made a statement well you haven't done it yet, this was not the manager who opened up our acct. other people I talked to have heard bad advice about having acct at wellsfargo don't do it ,. your better off


I don't really get the difference between wells fargo opportunity checking account and a regular checking account. been awhile since I had a checking account but if the check wasn't issued from that bank (they can verify the funds are available immediately if it's issued by them) or you didn't have enough $$$ to cover the check in your checking/savings it would take 2-3 days for the check to clear anyways. so having to wait 1 day is nothing. There arn't any fees so long as you either A: Direct deposit $750 a month which anyone should be able to do. B: use your debit card 10 times in a month, C: deposit $25 into your savings every month (which you can immediately transfer to your checking or withdraw.)

The only downside I can think of is that you can't deposit at an ATM. *** opportunity checking even comes with free overdraft protection (It just transfers money from your savings to your checking to cover the difference) I guess it's kind of *** that they'll charge you $12.50 if you don't put that money back into your savings after 24 hours. Kind of a stupidity tax I suppose.

It seems like a pretty solid program to me. especially for a bank that has locations all over the country.


h e double hockey sticks and du mb were censored?


No u get charged $12.50 regardless. It is not free overdraft. If overdraft protection kicks in to cover a check wells (and most banks) will charge the fee to do this transfer for you.


when we opened up an account with wellsfargo we didn't know it was an opportunity account and he did not explain about the account or we would of never opened one.

we never had any bad experience with opening up checking acounts, also wellsfargo LIED!!!! about us being in the check systems, I went to 5 different banks just to see if we were in the check systems and we were not. so I could open any branch.

they will not remove this and go into the basic checking we are going to another bank,

everytime someone gives a check for some work my husband did etc we cannot use this money until the next day THIS IS ***!!!

we have to deposit and than cash ,

a family member who also has wellsfargo (retired) gave us a check for some work and I needed that money for my new glasses etc I took into the tigard,or branch and I asked them if I could write on this today and told me no ,not until tomorrow , I got mad and told her I want the money now not tomorrow, she put it on my debt card , I shouldn't have to go thur this everytime someone give you a check, these were wellsfargo accounts , or any bank they do the same

Also my credit score is alot lower than the bbb saids, this is also *** ON THERE PART :upset


it's hard to give a grain of salt to someone with such poor grammar and understanding of how things work. Maybe you're just angry so you're not making much sense, but to me you invalidated your own argument.

the BBB or better business bureau has absolutely nothing to do with your credit rating...

and even if they did, but were saying your score is higher than it is.. well you should be thankful...

"these idiots shouldn't have been given money"


your the *** ,and so what makes you so perfect ? bbb does not tell your score but people go the message , you can stick it wear the sun don't shine,


I think you should consider putting down the crack pipe. You are the type of person that shouldn't be allowed to write things where others can see them. LMAOO.

Have a seat.


People always seem to be complaining about their bank. Perhaps you would be better off with a local credit union...

@Anaysia Bwn

A credit unionruns credit checks - so they would deny you too.


the Opportunity is just that an opportunity to do better this time around. There are so many restrictions because you have screwed up in the past and all this is preventative. I have never written a bad check in my life but I did go overdrawn for $5 with Union Bank years back and it was 3 different transactions totaling $5. I was charged 3 overdraft fees of $35 each. I thought that was absurd to pay $105 in fees for overdrawing my account $5. I called to complain and they wouldn't do anything about it, I went to my branch and they didn't help either so I deposited $5 to cover the overdraft and never used that account again. Of course this went to collections and made it impossible to get another bank account. Until I went to Wells Fargo. In June of 2011 I opened an opportunity account. I'm not a huge banking person. I had my paychecks direct deposited (which made the account free). I used the debit card for my daily purchases and used online bill pay...Never had any problems with the account. I've only had to deposit a check twice and yes its a pain to have to walk in to the branch to make the deposit but its more of a pain to have to drive around to the bank that the check is drawn on to cash as a non member and have to supply two forms of ID and a finger print each time.

Good news also because I never overdrew the account or had any problems on my end my account was upgraded 13 months later.

Oh and as for Union Bank I got a notice in the mail last year saying that they were in a class action law suit for unfair practices and over charging their customers and that I was included. In December I got a check in the mail for $109 from Union Bank...Jerks


I have a great credit score and I currently opened a checking account with my partner. So I don't understand why we have an opportunity checking account when I have great credit score and even if we share the account, we've been really good about our account.

How long will the account stay this way. I've had this account since April, 2014.


At least 6 months likely a year...and likely due to fault of your partner not you


it will convert to a regular checking after 1 year


Nice! !!


Why would you get a check for $109? You never paid the 3 overdraft fees so you weren't out anything.

Or did they send you a check so that you could pay off the collection account? I'm sure the account is still in their loss prevention department so why wouldn't they just credit the charged off account and report the account to the debt collector as PAID IN FULL?


DUH! She/He banked with them so they probably overcharged her and thus, she was part of the class action.

I'm sure the check they sent her had nothing to do with the debt owed. But now, she can pay that debt and get the *** off her report.

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