Found a solution to banks killing your account when you use their services - try an Australian Bank! Even if their clients are 10 years dead, they refuse to kill the account and will let it use services and be charged. If we merge Wells Fargo with an Australian bank we could have dead customers opening new accounts that can't be killed. Could give a whole new meaning to the term Zombie Bank!

"Commonwealth Bank of Australia told a government inquiry Thursday that the practice of billing deceased customers for financial advice stretched back years. In one instance, an adviser at the bank's financial planning business was collecting fees from a client more than a decade after they had died..."

Australia: Commonwealth Bank says it charged dead clients for advice