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The monthly service fee for Wells Fargo Fixed Rate CDs is $0. The minimum opening deposit for a Standard Fixed Rate CD is $2,500, unless otherwise noted. The minimum opening deposit is subject to change, as shown on wellsfargo.com/savings-cds/rates.

You may pay an early withdrawal penalty or a Regulation D penalty if you withdraw funds from your account before the term is complete. Some exceptions may apply. Penalties could reduce earnings on this account. The early withdrawal penalty amount is calculated and deducted from any earned interest. If the penalty is greater than the earned interest, the remaining penalty amount is deducted from the principal of the account.

The Regulation D penalty is seven days’ simple interest on the amount withdrawn and applies to:

• Withdrawals made within seven days of account opening including the day the account was opened.
• Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance.
• Withdrawals within seven days of any prior withdrawal where the Bank’s early withdrawal penalty is not applied.
  

Other than the Regulation D penalty described above, any money withdrawn from the CD before the end of its term will be subject to an early withdrawal penalty based on the length of the CD term. If your term is:

• Less than 90 days (or less than 3 months), the penalty is 1 month's interest,
• 90 to 365 days (or 3-12 months), the penalty is 3 months' interest,
• Over 12 months through 24 months, the penalty is 6 months' interest, or
• Over 24 months, the penalty is 12 months' interest.

See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.

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Overdraft Protection is not available for Government accounts, Interest On Lawyer Trust Accounts (IOLTA) or Real Estate Trust Accounts (RETA).

Terms and conditions apply. Mobile carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement for more information.

Terms and conditions apply. Setup is required for transfers to and/or from other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

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