It doesn’t matter if you owe them money or not! It doesn’t matter that you have never bounced a check and never borrowed any money from them. If you file bankruptcy the corporate policy is to freeze your accounts.
For at least a month you will not have access to your money, your ATM card will not work and any checks that are outstanding will be returned. Eventually the accounts can be unfrozen but meanwhile you won’t be able to pay the mortgage or buy food.
Don’t forget – move your money from Wells Fargo (and Wachovia) to another bank or credit union where you don’t have any loans, lines of credit or credit cards.