Clear Access Banking Account | Wells Fargo

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Wells Fargo Clear Access BankingSM

CA, 94105 Change Location
Clear Access Banking Account
  • We've got your back – with no overdraft or non-sufficient funds (NSF) fees
  • No paper checks – get the convenience of a debit card with contactless and chip technology, Bill Pay, and digital payments
  • Stay on track – set up alerts to help you avoid spending more than what's in your account

Best For

  • Customers who want to avoid overdraft and non-sufficient funds (NSF) fees
  • Customers who don't need to write paper checks
  • Teens (ages 13 to 16 with an adult co-owner)

Get Started

Minimum opening deposit
$25 initial deposit

Monthly service fee
$5 monthly service fee for each fee period

Monthly service fee waived for primary account owners 13 - 24 years old

See common fees for this account (PDF)

Must be 18 years or older (19 in AL) to open this account online

Teens 13 - 17 years old can open an account at a branch – see what you'll need

Clear Access Banking features

The Clear Access Banking account comes with everything you need for convenient and secure banking:

  • No overdraft or non-sufficient funds (NSF) fees
  • No paper checks
  • Bill Pay and online transfers
  • Mobile deposit
  • Debit card with contactless and chip technology
  • 24/7 customer service
  • Free access to more than 13,000 Wells Fargo ATMs
  • Budgeting, cash flow, and spending tools
  • Text banking

This is also a good account for customers unable to open standard accounts due to past credit or banking history.

 Add a savings account 

Open a savings account to help save for a goal — you can make automatic transfers from your checking account. Learn More

Clear Access Banking includes

Wells Fargo Mobile®

Pay bills, send money, and check your balance on smartphone or tablet using the Wells Fargo Mobile® app.

24/7 fraud monitoring

We’ll work to contact you if we find unusual account activity, based on your normal transaction patterns.

Zero Liability protection

Unauthorized debit card purchases or ATM transactions will be reimbursed if you report them promptly

Send and receive money

Send money to friends and family — without sharing account numbers.

Account alerts

Alerts give you status updates at a glance, helping you protect your accounts and monitor your spending.

Chip technology

The chip on your debit or credit card generates a unique security code for added security against fraud.

What teens need to open an account

Account owner

  • Anyone 17 and older can open as a primary owner
  • Teens 13 – 16 need an adult co-owner
  • All teens 13 – 17 must open an account at a branch

Forms of ID
Each account owner and co-owner needs one of the following:

  • State-issued driver's license
  • State-issued ID card
  • U.S. passport

Teens without any of the above need both a Social Security card and a birth certificate.