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Checking Accounts

Banking your way

These four checking accounts meet different needs – choose what's right for you

Clear Access Banking
Most popular account Everyday Checking
Prime Checking
Premier Checking
Ideal for customers who want help managing their money, including teens and students
Our most flexible and popular checking account, also a great option for students
Many discounts and benefits are included with this interest-bearing account
An interest-bearing account with our highest level of relationship banking benefits and perks
Best account for
  • Checkless banking with digital and debit card payments
  • No overdraft fees
  • Fee waivers and discounts for many banking services
  • Interest rate discounts on select new loans
  • Premium discounts and fee waivers for specialized banking services and interest rate discounts on select new loans
  • 24/7 support from a banking service team
Monthly Service Fee
Minimum opening deposit
$25 to open
$25 to open
$25 to open
$25 to open
Online banking and Wells Fargo Mobile®app
Overdraft Services
Interest-bearing account
Minimum age to open
  • Ages 13 to 16 must open with an adult co-owner
  • Teens 13 to 17 must open at a branch - see what you'll need
  • Must be 17 or older to open this account
  • Teens 17 years old must open at a branch - see what you'll need

Not sure which checking account's the best fit?

Do more with the Wells Fargo Mobile® app

4.8/5 Stars on the App Store and 4.8/5 Stars on Google Play as of October 14th 2022

Mobile deposit

Skip the lines and deposit checks right from your smartphone

Digital wallet

Add debit and credit cards to your mobile device to tap and pay


Send and receive money in minutes

Bill Pay

Pay bills from nearly anywhere

Biometric authentication

Sign on to the mobile app with your fingerprint or face

Card control

Turn credit and debit cards on or off

Plus all the features of a Wells Fargo checking account

Online banking with the banking tools you need

Contactless debit card for fast, secure payments and Wells Fargo ATM access

Approximately 12,000 Wells Fargo ATMs to help you bank locally and on the go

24/7 fraud monitoring plus Zero Liability protection

Student checking at your fingertips

No monthly service fee charged for primary account owners based on age.

Learn more

Checking FAQs

How do I open an account?

You can apply online or in person:

  • In just minutes you can apply through Wells Fargo Online® for a checking or savings account, credit card or loan.
  • Or visit a Wells Fargo branch near you.

How do I find my routing and account numbers?

We can help you find both at Routing Numbers and Account Numbers.

How do I access my Wells Fargo accounts online?

Enroll in Wells Fargo Online from your desktop or mobile device for secure online access to your accounts. Once you've enrolled, you'll receive an email confirmation, and you'll be ready to sign on and manage your accounts.

See more Banking FAQs

Still have questions?


For questions about new

Call Us

For existing accountholders or questions:

Find a Location

Find an ATM or banking location near you.

Make an Appointment

Make an appointment with a banker.