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Wells Fargo Clear Access BankingSM

  • We've got your back – no overdraft or non-sufficient funds (NSF) fees
  • Stay on track with no ability to write checks from the account, we help you spend only what you have in it
  • Keep it simple – get the convenience of a contactless debit card, the Wells Fargo Mobile® app, and digital payments

Best Account For

  • No overdraft or non-sufficient funds (NSF) fees
  • Lower account balances and no ability to write checks
  • Student and teen banking (ages 13 – 16 with 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 – 24 years old

Quick view of account fees (PDF)

Must be 18 years or older to open this account online.

Teens 13 – 16 need an adult co-owner.

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

Clear Access Banking account features

  • No overdraft or non-sufficient funds (NSF) fees – we help you spend only what you have in your account
  • Checkless checking account
  • The Wells Fargo Mobile® app to pay bills, deposit checks, send and receive money with Zelle®, set up account alerts, and more
  • Payments and purchases using your contactless debit card or digital wallet
  • 24/7 customer service and fraud monitoring
  • Access to approximately 12,000 Wells Fargo ATMs using your contactless debit card or digital wallet,
  • Budgeting, cash flow, and spending tools, plus the convenience of direct deposit

This is also an opportunity for customers looking for second chance bank accounts, and unable to open standard accounts due to past credit or banking history.

We no longer offer Wells Fargo Teen CheckingSM or Wells Fargo Opportunity Checking® accounts – Clear Access Banking is our new bank account created to help improve money management and financial skills.

 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 account also includes

Wells Fargo Mobile®

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

24/7 fraud monitoring

We're committed to protecting your information and may contact you if we notice unusual activity on your account.

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 help stay on top of your account activity and balance, 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.