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How to avoid the monthly service fee for Clear Access Banking

 You can avoid the $5 monthly service fee with one of the following each fee period:

  • Primary account owner is 13 – 24 years old.
  • Notice: For fee periods that begin on or after October 25, 2025, the fee can be avoided with $250 or more in total qualifying electronic deposits
  • A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program

For ATM and other fees, see our Quick view of account fees

The fee period is the period used to calculate the monthly service fee. The fee period details are provided on the Monthly Service Fee Summary located in your account statement.

When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee. Customers between 13 and 16 years old must have an adult co-owner.

A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNowSM Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.

You will receive your Worldwide Military Banking program benefits 45 days after your qualifying non-civilian military direct deposit is deposited into your eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit, program qualifications and benefits, please visit wellsfargo.com/military/worldwide-military-banking or wellsfargo.com/depositdisclosures.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Wells Fargo Bank, N.A. Member FDIC.

QSR-12302026-8129928.1.1

LRC-0325