I opened a CD account online with Wells Fargo two months ago. To begin with, I had to submit an application and wait 10 days to get approved to open an account. Keep in mind, I am giving money to Wells Fargo and not applying for a loan!! After two months I received a letter that I need to go in-person to a local branch and show my Social Security otherwise they will close my account. I went to a local branch which is not close to my house and the employee told me I have to have an appointment to show my SS card to someone!! She also said opening an account is a "privilege" and that's why I had to fill an application and wait for it to get approved! I closed my account right there. These people do NOT care about their customers.