I wouldn't trust Wells Fargo any further than I could throw any of their crooked executives. Even if my credit unions offered this, I wouldn't link my cell phone to my banking info. That seems like an extremely bad idea.
"In what's shaping up to be Canonical's Windows XP moment"
In another 5-10 years, this may be true. Mainstream support for XP lasted a decade, and some versions were supported for 13 years. 5 years support for an OS is, as The Orange Asshole would say, "Sad!".