Thanks guys , Does anyone sell near exchange rate that accept payment via bank transfer or deposit into wells fargo or us bank?
Bank transfer is too risky (like PayPal). It can be reversed after the bitcoins are sent. If anybody accepts PayPal or Bank Transfer, then they will charge a very expensive premium on the transaction to compensate for the significant risk they are taking.
Cash deposit into Wells Fargo or US Bank are both much more likely to result in you finding someone that will offer you a competitive exchange rate.
Since you are new here and don't have much reputation yet, most people won't be willing to take the risk of sending the bitcoins first. To protect yourself from other scammers that will accept the cash deposit and then not send you the bitcoins, you should give serious consideration to using a trusted escrow provider from the bitcointalk forum. Several escrow providers offer their service in exchange for a voluntary gratuity, so you can pay only what you think the security is worth to you.
You can find a list of escrow providers here:
https://bitcointalk.org/index.php?topic=276897.0
