I ran into this December 2017 when I went to transfer funds to Coinbase. To be a little fair, coinbase had a series of more than one charge and refund. When I initiated this verification, Wells Fargo alerted me to the activity via text and allowed the transaction to be authorized. To this day, no other transaction on that spending account has ever presented itself in this manner. Due to the disjointed nature and possibly stability issues at the time this process failed hard.

What did work was a wire transfer. This was a $30 fee paid to Wells Fargo and on top of the $10 fee from Coinbase, making it cost $280 to credit my account with $240. Wells Fargo took 3x the fee and the conspiracy theorist in me believes this is their primary motivator for doing this. You can get your money out to do what you want with it, but not without a steeper penalty than the exchange. Now that this stance is official and if I hadn't lost money (to take a simple view, that $240 is now worth around $75) I'd be looking to open another account somewhere that doesn't try to tell me how to use my money. When I realize this other account at whatever mythical bank is somehow superior in every way, I would ditch them completely. It doesn't seem like the greatest move on their part but they could also be counting on the fact that I may never do this because of the hassle involved with changing everything over.