Oh yea, I agree, being broke (negative money) isn't gonna work anywhere... even under the mattress. Sorry I wasn't clear that this is absolutely the OPs fault and would happen anywhere they banked.

I think this was more a rant against wells fargo... pay 'em what you owe them, close the account in good standing.

Then pick a new, "better" banking option, online/brokerage/CU/big bank