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Wells Fargo Clear Access Banking

No overdraft fees. Period.

Open with $25.

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.

Wells Fargo Clear Access Banking is Bank On approved by National Account Standards for 2021 to 2022.

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.

Wells Fargo Worldwide Military Banking


Do more with the Wells Fargo Mobile® app

4.8/5 Stars on the App Store and 4.7/5 Stars on Google Play as of July 13th 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 withdrawls, 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


Still have questions?

Chat

For questions about new accounts:

Call Us

For existing accountholders or questions:
1-800-869-3557

Find a Location

Find an ATM or banking location near you.

Make an Appointment

Make an appointment with a banker.