Checking Accounts

More ways to avoid the monthly fee

Everyday Checking

Best for

Flexible convenience for everyday banking

Monthly service fee

$10

How to avoid the fee each fee period

Minimum age to open

17 or older

Must be 18 to open online

Age and ID requirements

No overdraft fees. Period.

Clear Access Banking

Best for

Checkless banking with digital payments and no overdraft fees

Monthly service fee

$5

How to avoid the fee each fee period

Minimum age to open

13 or older

Must be 18 to open online

Age and ID requirements

Clear Access Banking

Everyday Checking

Best for

Checkless banking with digital payments and no overdraft fees

Flexible convenience for everyday banking

Monthly service fee
$5

13 – 24 year-olds can avoid the fee

How to avoid the fee each fee period

$10

17 – 24 year-olds can avoid the fee

How to avoid the fee each fee period

Overdraft services

No

Yes
Minimum age to open

Prime Checking

Wells Fargo Premier® Checking

Best for

Discounts on many banking services, including ATM fee waivers

Premier level of relationship banking benefits and discounts

Monthly service fee
$25

Avoid the fee each fee period with $20,000 or more in

statement-ending qualifying linked balances
$35

Avoid the fee each fee period with $250,000 or more in

statement-ending qualifying linked balances
Interest-bearing account
Yes Yes
Minimum age to open
Must be 18 or older to open (19 in AL)

Not sure which checking account is the best fit?

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Checking FAQs

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.

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

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.

How can we help?

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.

If you convert from a Wells Fargo account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.

Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

(A) If your Prime Checking or Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Prime Checking or Premier Checking account and effective immediately, benefits no longer apply, including benefits to your now delinked accounts. You'll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked accounts will revert to the Bank's current applicable interest rate or fee at that time. (B) If you or we delink an account from your Prime Checking or Premier Checking account but other accounts remain linked, the loss of all benefits and the other consequences described above in (A) will immediately apply to the delinked account. Benefits available to your Prime Checking or Premier Checking account and any remaining linked accounts will continue.

With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.

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

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company, and Members SIPC (Wells Fargo has provided this link but does not control or endorse the website and is not responsible for the content, links, privacy policy, or security policy of the website.).

RSNIP-05132025-6095628.1.1

LRC-0823