Ask Matt: How to check if Wells Fargo tricked you

Q: How can I see if Wells Fargo secretly opened acccounts for me?

A: Wells Fargo's (WFC) CEO John Sumpf was grilled by Congress Tuesday over the company’s recent disclosure of inappropriate actions taken by thousands of employees to secretly open accounts. The discussion might lead some Wells Fargo customers to wonder if they were tricked, too.

Wells Fargo agreed to pay a $185 million fine associated with allegations roughly 5,000 bank employees opened millions of accounts unbeknownst to customers to help the employees reach sales targets. Wells Fargo says it has identified the accounts that were improperly opened and repaid fees that averaged about $25. Even though the alleged fraud was large, even if you're a Wells Fargo customer you were likely not affected. The bank has said the number of accounts refunded was just 1% of those reviewed. It's always a good idea to for customers to know what's going on with their accounts. Banking customers need to have online access. Log into your bank account and make sure you recognize all the accounts. Wells Fargo says all accounts in your name will appear. You can also get a free credit report that will show all accounts in your name.

Paste BN markets reporter Matt Krantz answers a different reader question every weekday. To submit a question, e-mail Matt at mkrantz@usatoday.com or on Twitter @mattkrantz.