Here's a true story of my experience with WM. 1) If you were taking out money less than $ 200, the bank would not even check your id, so people would deposit these fake checks for $ 4 in my account which would bounce, then take out around $ 150. Finally bank changes policy after some of their managers have same experience. 2) Bank closed my account number and opened another. 3) Then robbers get clever, and create fake id, which is pretty easy, again they try to take money out of my account. They fail, since it was a large amount of money. 4) I hear later that some WM employees were arrested for giving out account information on their customers. 5) Bank manager suggests that I don't bank with them anymore, I take the hint and move my money somewhere else, and have not had anymore problems.