Ready to stop banking at Wells Fargo after today's news that employees there opened 1.4 million more unauthorized accounts than previously known?

When your banker opens accounts without your permission, that's an obvious relationship deal breaker. But such a problem isn't the only thing that can destroy a customer's trust and cause him or her to switch banks.

High-pressure sales tactics and unexpected charges for services can also sour the relationship, according to a J.D. Power study released last April. 

There are other reasons to quit your financial institution: Excessive or erroneous fees, too few branches or ATMs, or long lines to see a human teller.

The best reason may be this: Credit unions and primarily online banks provide much better satisfaction than megabanks like Bank of America, Chase, Citi, and Wells Fargo, according to Consumer Reports' bank and credit union ratings.

Here's how to switch your checking and savings accounts in seven easy steps.

1. Open a new checking account as a secondary one at your new credit union, virtual bank, or smaller regional or community bank without closing the existing account. For virtual banks, that’s a relatively easy online process; for the others, the process may take 30 minutes to an hour and require a deposit of $50 or less.

2. Contact your employer to move direct deposit of your paycheck to the new institution, while you’re waiting for your new debit card to come.

Direct deposit may also make you eligible for free checking. To get the new account up and running fast, you could use your old bank’s online or mobile-banking bill pay service, or the new “Zelle” money transfer service, to transmit funds to your new account. Or write a check from the old account to deposit into the new one—but see steps 3 and 4 first.

3. Stop automatic bill payments. This can be easily done via the internet if you’ve been using the bank’s online bill pay feature, where you control when so-called “push” payments are sent out. If you auto-pay by authorizing a payee to “pull” the payment from your account, you’ll need to contact the company and follow its procedures for stopping payment. Then we recommend that you never use the “pull” method again so that you retain complete control of your account. 

4. Keep the old account open. Be sure to keep your old account open until the last check you wrote has been cashed or deposited and has cleared. 

5. Set up additional account features. Familiarize yourself with the digital features you need at your new institution and activate them. That includes services such as online bill pay, mobile banking, Zelle and other peer-to-peer money transfers, and alerts.

6. Close the old account. Kiss your old bank goodbye by visiting your home branch in person. Zero out any remaining balance by having the old bank electronically transfer the funds to your new account or by obtaining a cashier’s check or cash. There should be no fee to close accounts you have had for more than a few months.

7. Move your other deposit accounts. If you also have a savings account or certificates of deposit at your current bank, you may want to consider moving them too, especially if you're getting a poor interest rate. You will have to wait for CDs to mature in order to move them. Shop widely for the best savings and CD rates.

You might also be inclined to move your mortgage, but that would likely involve refinancing. And that means closing costs that are usually about 2 percent of the loan amount. CR advises refinancing your mortgage only if it makes financial sense, which usually means finding a lower interest rate.