Companies play a lot of games. Some online sites will change their terms of service and then opt you back into promotional emails that you spent time carefully opt-ing out of them.
Wells Fargo (no surprise) once changed something in my accounts and at the end of the year when I was review things found out they were now charging me $10 a month for my accounts. I quickly went to a branch and the manager went back and credited all of my accounts and removed the fee. Then he gave me his direct number. I found that a bit troubling since it seemed like it was indicating I should expect additional issues down the road.

I'm not opposed to opening some accounts online to get higher rates but right now it seems easiest for me just to buy treasuries and avoid trying to find the best rate. I keep some in Marcus which certainly doesn't have the highest rates but more so than WF. I'm looking to moving some of my banking to Fidelity or Schwab and get away from WF.