Get your money out of the un-insured account now. Wells Fargo is the lowest paying bank around. The money is not safe, and even if it were, you should be getting 10% not 4.75% on a B.S. uninsured bank garbage fund. Remember how many people lost everything in the last real estate turndown.
Capital one is offering 4.5 on an insured money market, Wachovia is offering 5%+ on a 5 month certificate – all completely insured. Open a brokerage account and get 4.5% on the money in your trading account (completely insured)at morgan stanley or other big names.
Go to Wells Fargo, cash out the non-insured account, get a cashiers check and take it down the street.