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Great for customers who want help managing their money, including teens and students
We've got your back
Clear Access Banking has no overdraft fees
Go checkless
Don't need checks? Checkless banking is an easy solution
Keep it simple
Tap to pay with a contactless debit card or your digital wallet
Make your own way
Designed for lower balances, this is a great first teen bank account or second chance banking opportunity
Clear Access Banking fees and details
| Monthly service fee | $5 each fee period You can avoid the fee in just one way: No monthly service fee charged for primary account owners 13 - 24 years old |
|---|---|
| Minimum balance | No minimum daily balance required |
| Minimum to open | $25 minimum opening deposit |
| Overdraft services | Clear Access Banking has no overdraft fees
Optional overdraft services are not available for Clear Access Banking accounts |
| Other fees | Quick view of account fees (PDF) |
| Age requirements to open | Must be 13 or older (teens 13 - 16 years old need an adult co-owner)
Teens 13 - 17 years old must open at a branch – see what you'll need |
| How to open a Clear Access Banking account | Open now
Make an appointment at a branch |
Parents – opening with a teen?
Remember, teens 13 - 17 years old must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.
Bank On certified
Clear Access BankingSM is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.
Wells Fargo Worldwide Military Banking
offers convenient access to your accounts with services, tools, and resources to help you manage your finances.
Do more with the Wells Fargo Mobile® app
4.8/5 Stars on the App Store and 4.8/5 Stars on Google Play as of October 14th 2022
Zelle®
Send and receive money in minutes
Mobile deposit
Skip the lines and deposit checks right from your smartphone
Digital wallet
Add debit and credit cards to your mobile device to tap and pay
Biometric authentication
Sign on to the mobile app with your fingerprint or face
Card control
Turn credit and debit cards on or off and track recurring payments
Plus all the features of a Wells Fargo checking account
Approximately 12,000 Wells Fargo ATMs to help you bank locally and on the go
Online banking with the banking tools you need
Contactless debit card for fast, secure payments and Wells Fargo ATM access
24/7 fraud monitoring plus Zero Liability protection
Compare your checking account options
Customize your banking experience
Wells Fargo credit cards – choose a credit card that fits your life
Way2Save® Savings – start saving money faster with a linked Wells Fargo savings account
Banking FAQs
Can I overdraft my Clear Access Banking account?
Although we won't authorize transactions – such as ATM withdrawals, debit card purchases, or recurring debit card transactions – when you don't have enough money in your account to cover them when they are presented to us for authorization, certain transactions or account activity may result in a negative balance. For example, if you add a tip to a transaction after we've approved the transaction without the tip OR if we credit a deposit that is later returned unpaid, you may see a negative balance in your account. If this occurs, we won't assess an overdraft fee, but you need to repay the negative amount promptly.
Can I open a teenage bank account online?
You must be 18 years or older to open this account online.
Can a minor open a bank account without a parent?
17-year-olds can open this account without a parent. Teens 13 - 16 years old need an adult co-owner.
How do I open a bank account for a teenager?
Teens 13 - 16 years old need an adult co-owner to open this account. Ages 13 - 17 must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.
What is second chance banking?
Second chance bank accounts provide a great opportunity for customers unable to open standard accounts due to past credit or banking history.
See more Banking FAQs
