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If in doubt call several times to see if you get the same answer. Those customer service reps are often new and don't know WTF they're talking about. I went through a lot of that with insurance companies last week. I had to tell a couple of people at Aetna that they were wrong and didn't know what they were talking about. In one case I called 3 times and got 3 different answers...all wrong.
A couple of years ago a rep didn't know what she was talking about so I ended the call and called right back. I'll be damned if the same girl didn't answer. I laughed and told her why I called back. I ended the call and called again. Thankfully a different person answered.
I'm not in doubt. Wells Fargo rep gave me the answer I was expecting, the exact same thing First Horizon actually did for me twice in the last 3 years.
I believe if anyone "is in doubt" it would be DonP. After all, an insurance carrier, First Horizon Bank, Wells Fargo, forum member Allen Trent, and even myself all say the same thing. It's DonP that continually, in error, says just the opposite. How can he be correct and they are all wrong? Maybe he should call Wells Fargo himself. My time is too valuable to keep double checking and triple checking his info.