I bailed from Wells Fargo over three years ago.  I cashed a Money Order, so I would have it in my debit account, so I could pay a bill.  My Debit card bounced about an hour later.  I went back and asked about it.  They said that MO's are treated like checks, and don't clear until the next day.  I said that I had cashed several MO's there before, and I got the cash right then.  They said that had I cashed the MO, and then deposited the money into my account, it would have been available to my debit card immediately.  I told them that they were all psycho, closed my account, and went to Denali Credit Union, with whom I've been happy ever since.