I dont think its a mater of them shutting us down as much as it is us getting fed up with them and bailing.. Example I wasted about a month of time because I did not pay from a WF account... they dont release credit line for up yo 2 weeks from payment date
This effectively forces people to open a checking account with them . My guess they are betting people will forget to maintain accounts and they will be able to charge fees... ETC
Also I just found out today that they blacklist some banks to where they wont accept payments from them through WF online ,and if you want to pay from such an account you have to send a check or use that bank's bill pay service EX Gobank