I don't personally use either of them for everyday banking services. I utilize TD Bank which now has a big presence in the New York area. And as a former employee of TD many years ago, I can attest to the fact that it is a pretty well run bank. In terms of Wells Fargo, I did use them for a home mortgage a few years back. And frankly it was the easiest closing you could ask for. Wells is also a pretty healthy bank from the standpoint of their balance sheet.