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Banking your way
These three checking accounts meet different needs – choose what's right for you
Checkless banking with digital and debit card payments
Our most popular checking account
Relationship-based checking with premium benefits
Best account for
- Lower account balances and customers who don’t need to write checks
- No overdraft or non-sufficient funds (NSF) fees
- Customers who want help managing their money, including teens and students
- Day-to-day banking needs, including student banking
- Multiple ways to avoid the monthly service fee
- Standard bank account features like check writing ability and optional Overdraft Protection
- Higher account balances
- Discounts and fee waivers for select banking services
- Priority support from the Wells Fargo Premier Banking TeamSM
Monthly Service Fee
Minimum opening deposit
$25 to open
$25 to open
$25 to open
Online banking and Wells Fargo Mobile® app
Yes
Yes
Yes
Overdraft Services
No overdraft fees or services – you only spend what’s in your account
Yes
Yes
Interest-bearing account
No
No
Yes
Minimum age to open
- Ages 13 - 16 must open with an adult co-owner
- Teens 13 - 17 must open at a branch - see what you'll needOpens Dialog
- Must be 17 or older to open this account
- Teens 17 years old must open at a branch - see what you'll needOpens Dialog
- Must be 18 or older (19 in AL) to open this account - see what you'll needOpens Dialog
Not sure which checking account's the best fit?
Student checking at your fingertips
Monthly service fee waived for teens and college students under 25 years old
Checking account benefits
Convenience and control
Our mobile banking app helps put you in control of your accounts.
Security and protection
Zero Liability protection on Wells Fargo Debit Cards, and 24/7 fraud monitoring.
Pay your way
Easy ways to make payments and send or transfer money.
Anytime access
Access to approximately 12,000 ATMs, and 24/7 access to customer support.
