For those of you in states where Wells Fargo is testing the $3 debit card
fee - I'm wondering if the fee is for having a debit card at all, if you
swipe it just once such as at a Wells branch, or if the fee only kicks in if
you use it for a merchant purchase?  Are there ways to avoid the fee by
keeping a certain minimum balance or having a certain account type?

I have a Wells Fargo account in a state that doesn't have the fee yet.  I'm
just wondering what's coming to us.

Thanks,
Brian
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