Oh yea, I agree, being broke (negative money) isn't gonna work anywhere... even under the mattress. Sorry I wasn't clear that this is absolutely the OPs fault and would happen anywhere they banked.

I think this was more a rant against wells fargo... pay 'em what you owe them, close the account in good standing.

Then pick a new, "better" banking option, online/brokerage/CU/big bank

It takes them some time to process your DD anyway, I would contact your employer to just give you a paper check until you are squared away with a new banking account.

From what I've heard, WellsF seems to be the worst of all the traditional brick and mortar banks. You are better off signing up at Chase, Bofa, Citi, etc. Of course everyone has horror stories with all the banks, but normally I hear nothing but bad things about Wells. Sounds like you are just starting up your career and just getting financially right, I think many ppl prefer a local credit union.

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I'm not super well versed on the CU vs Big Bank, but they tend to have less predatory fees (I think) and better service, but the convenience and rates seem to be better with larger banks as long as you already have money.