Today, the Wall Street Journal reported on the front page that Wells Fargo was cited for altering client information on business client accounts. They just can’t do things right. A month ago, they were fined $1B dollars for improper practices in the car insurance and mortgage businesses. Then there is the famous account opening scandal where Wells Fargo opened millions of accounts without client’s knowledge. So how do you choose your bank? Is it for the free calculator, or the free toaster?