Checking Accounts

Choose a bank account

More ways to avoid the monthly fee

Everyday Checking

Best for

Check writing and digital payments. Standard bank account features make it also great for college students.

Monthly service fee

$10 How to avoid the fee each fee period

Overdraft services

Convenient ways to help you avoid overdrafts, including Extra Day Grace 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

Checkless banking with digital payments and no overdraft fees
Best for

People who want help with managing money, including teens and students

Monthly service fee

$5 How to avoid the fee each fee period

Overdraft services

No overdraft fees

Early Pay Day

Get paid up to two days early with Early Pay Day

Minimum age to open

13 or older
Must be 18 to open online

Age and ID requirements

Clear Access Banking

Checkless banking with digital payments and no overdraft fees

Everyday Checking

Flexible convenience for everyday banking

Best for

People who want help with managing money, including teens and students

Check writing and digital payments. Standard bank account features make it also great for college students.

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
Must be 18 to open online

$25 minimum opening deposit

Prime Checking

Interest-bearing checking with more benefits

Wells Fargo Premier® Checking

Premier level of relationship banking benefits and discounts

Best for

Discounts on many banking services, including ATM fee waivers

Investment services discounts and fee waivers from Wells Fargo Advisors, plus support from a Premier services team

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
Minimum age to open

Must be 18 or older to open (19 in AL)

Open an account

$25 minimum opening deposit

Image of a smart phone displaying a checking account interface, accompanied by various checking account debit cards scattered around it.

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Bank Easy

Get the app loved by millions
9M ratings | 4.9 stars

Plus all the features of a Wells Fargo checking account

Online and mobile banking

Access your account and pay bills online from virtually anywhere, anytime

Learn more

10,000+ ATMs

More Wells Fargo ATMs to help you bank locally and on the go

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Contactless debit card

Fast, secure payments and Wells Fargo ATM access

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24/7 Security

Fraud monitoring around the clock, plus Zero Liability protection

Learn more

Checking FAQs

You can open a checking account online or in-person at a Wells Fargo branch. You must be 18 or older to apply online. 17 and under must open at a branch.

No matter how you apply, you'll need:

  • Your Social Security number
  • Valid ID (driver's license, state ID, Consular ID)
  • Current residential address
  • $25 opening deposit
IDs required to open (plus co-applicant's information if applicable).

Joint checking accounts must be opened at a branch. Make an appointment to get started.

You need the same information that is required to open an individual checking account, but you’ll need it for both applicants. IDs required to open

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. You can also download the top-rated Wells Fargo Mobile® app in the Apple App Store or Google Play and manage your banking from anywhere.

There are a few ways to access your routing and account numbers:

  • We can help you find both at Routing Numbers and Account Numbers.
  • You can find your routing and account numbers after logging into your Wells Fargo Mobile® app or Wells Fargo Online® banking account or on any paper statements you have.
  • If you have physical checks, you can look at the bottom left corner of the check. The first 9-digit set of numbers is your routing number. The second set of numbers is your account number, which can vary in length from 9 - 13 digits.

Setting up Direct Deposit is easy and only requires three steps:

  • Step 1: Use our pre-filled form. Sign on or use our Wells Fargo Mobile® app to create your customized Direct Deposit guide. Select the account you’d like your deposits to go to, and we’ll pre-fill the form with your routing number, account number, and account type. You can also download a blank Direct Deposit/Automatic Payments Set-up Guide (PDF) and fill in the information yourself.
  • Step 2: Provide the information on the completed form to the company or agency that pays you. Your payor may ask you to complete their own form in order to process your request.
  • Step 3: Monitor your account. It may be one or two pay or benefit periods before Direct Deposit goes into effect.

Yes, all Wells Fargo checking account funds are FDIC-insured up to the maximum applicable limit.

Visit our FDIC Insurance page to learn more.

How can we help?

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.).

Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.

Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. Your mobile carrier’s message and data rates may apply.

Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.

Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Fargo is only available on the smartphone versions of the Wells Fargo Mobile® app.

You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier's message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac do not provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or transactions using other cards linked to your deposit account. Posting refunds, reversals, and credit adjustments to your account will continue. Any digital card numbers linked to the card will also be turned off. 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 Extra Day Grace Period, if your account is overdrawn, you have an additional business day (extra day) to make covering deposits and/or transfers to avoid overdraft fees. If your available balance as of 11:59 pm Eastern Time on your extra day is positive, the pending overdraft fees for the prior business day’s overdraft items will be waived. If your available balance as of 11:59 pm Eastern Time is enough to cover some, but not all, of the prior business day’s overdraft items, the available balance will be applied to the transactions in the order that they posted to your account (based on our posting order practices described in the Deposit Account Agreement). Any overdraft items that are not covered by 11:59 pm Eastern Time on your extra day are subject to applicable overdraft fees. All deposits and transfers are subject to the Bank’s Availability of Funds Policy. Please see the Wells Fargo Deposit Account Agreement for more details.

With Early Pay Day, the Bank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. See our Deposit Account Agreement for more details.

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.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

RSNIP-04182026-7205394.1.1

LRC-0624