CHARLOTTE -- As Wachovia, Citigroup and Wells Fargo continue to meet behind closed doors, one published report says Wells Fargo could get the bulk of the Charlotte-based bank’s deposits.

Reuters is reporting that Wells Fargo might get as much as 80 percent of Wachovia, including its branches in the Southeast, with the remaining 20 percent going to Citigroup, which would get branches in the Northeast.

As the negotiations continue, the thousands of people in financial limbo are left waiting for answers.

"My only concern is the situation with the city of Charlotte,” said Wachovia customer Nkereuwem Umoefik. “It's sad to see the No. 4 bank go down just like that."

Despite the uncertainty, Umoefik says he's not planning on changing banks.

"Their customer service is probably the best in the industry," he said.

But others are nervous. Financial planner Cheryl Sherrard says her company, Rinhart and Associates, is constantly getting calls from concerned banking customers.

"They are nervous, “Sherrard said. “They've watched their stock options become worthless over the last few months."

Late Tuesday, Reuters was reporting the majority of Wachovia's deposits would go to Wells Fargo. The report cited a person close to the negotiations who said the outcome is uncertain because talks are still going on.

No matter the final outcome, Sherrard says the best advice is to stay calm but be prepared.

"It's pretty stormy right now, so that rainy day fund is pretty important," she said.

According to Reuters, Wachovia has about $420 billion of U.S. deposits, while Wells Fargo has about $300 billion and Citigroup has about $261 billion.