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Wells Fargo Clear Access BankingSM

CA, 94105 Change Location
  • We've got your back – with no overdraft or non-sufficient funds (NSF) fees
  • No check writing ability – 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 check writing ability
  • Teens (ages 13 to 16 with an adult co-owner)

Get Started

Minimum opening deposit
Open with $25 deposit

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

Monthly service fee waived for primary account owners 13 to 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 to 16 need an adult co-owner.

Teens 13 to 17 (18 in AL) years old must 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 check writing ability
  • Bill Pay and online transfers
  • Mobile deposit
  • Debit card with contactless and chip technology
  • 24/7 customer service
  • No fee access to approximately 13,000 Wells Fargo ATMs
  • Budgeting, cash flow, and spending tools

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

Wells Fargo monitors your account and alerts you to certain activity we find suspicious. If it's not your purchase, we will help you resolve it.

Zero Liability protection

With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions.

Send and receive money with Zelle

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

Account alerts

Set up alerts to stay on top of your account activities and balances, sent by email, text, or push notifications.

Chip technology

The chip on your card provides added security when you insert or tap your contactless or chip-only debit card.