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Compare Checking Accounts

CA, 94105 Change Location
You can compare up to 3 accounts.

Everyday Checking

Our most popular account is a great value, loaded with convenience and security features.

  • Many options to avoid the $10 monthly service fee
  • Extra discount for college-aged students — when the primary owner of the account is 17-24 years old
  • Free Mobile and Online Banking plus access to over 13,000 Wells Fargo ATMs

Preferred Checking

Best if you want to earn interest on your balance or if you have a Wells Fargo Home Mortgage.

  • Avoid the $15 monthly service fee with a linked Wells Fargo Home Mortgage
  • Earn interest on this account
  • Other options include combined balances or qualifying direct deposits

Portfolio by Wells Fargo®

Enjoy better benefits across your entire financial relationship with us.

  • No monthly service fee on additional select linked checking and savings accounts
  • Bonus interest rates on select linked savings accounts, CDs, and FDIC-insured IRAs
  • Access to the dedicated Wells Fargo Premier Banking TeamSM for 24/7 personalized phone service

Teen Checking

A real-world checking account for teens (aged 13 to 17) that’s opened with an adult co-owner. Open at any Wells Fargo branch.

  • Avoid the $3 monthly service fee if you choose online-only statements
  • Parents can set limits on purchases and withdrawals
  • Popular banking features, such as mobile banking, debit card, and alerts

Opportunity Checking

For those unable to open a standard account due to credit or banking history. Open at any Wells Fargo branch.

  • Many options to avoid the $10 monthly service fee
  • Popular banking features, such as checks, debit card, and Bill Pay
  • Includes Wells Fargo Mobile® for access to your account by smartphone and tablet

College students

There’s a $5 monthly service fee discount when the primary owner of the account is 17 to 24 years old.

Options to avoid the monthly service fee

10+ posted debit card purchases/payments, OR

Qualifying direct deposits totaling $500+, OR

$1,500 minimum daily balance, OR

A linked Wells Fargo Campus ATM or Campus Debit Card (for college students)

$5 monthly service fee discount when the primary account owner is 17 to 24 years old.

Options to avoid the monthly service fee

Avoid the $15 monthly service fee with one of these each fee period:

$10,000 in combined minimum deposit balances, OR

Qualifying direct deposits totaling $1,000+, OR

A linked Wells Fargo Home Mortgage

Accounts include checking, savings, time accounts (CDs) and FDIC-insured IRAs.
Accounts include qualifying linked bank, brokerage (available through our brokerage affiliate, Wells Fargo Advisors®), and credit balances (including 10% of mortgage balances, certain mortgages not eligible).

Options to avoid the monthly service fee

10+ posted debit card purchases/payments, OR

Qualifying direct deposits totaling $500, OR

$1,500 minimum daily balance, OR

A linked Wells Fargo Campus ATM or Campus Debit Card (for college students)

$5 monthly service fee discount when the primary account owner is 17 to 24 years old.

10 or more posted Wells Fargo Debit Card purchases/payments each fee period.

  • Included: Debit card purchases include PIN, signature, online and phone purchases that post during the fee period. Debit card payments include one-time and recurring payments of bills made with your debit card that post during the fee period.

  • Not Included: Any transaction at an ATM (Wells Fargo or non-Wells Fargo) and ACH (Automatic Clearing House) transactions.

Debit card purchases and payments must post during the fee period to be counted toward the total of 10 or more. The dates of your fee period are located in the “Monthly service fee summary” section of your statement. Transactions received after the applicable cut-off time or on a non-business day (Saturday, Sunday and federal holidays) are posted on the next business day.

A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited to this checking account by your employer or an outside agency. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit.

Availability may be affected by your mobile device’s coverage area. Mobile deposit not available on all platforms. Mobile Deposit is supported on iPhone® and iPad® running iOS 8.0+, Android mobile devices running OS 4.4+ and Windows Phone 10. Your mobile carrier's message and data rates may apply.

If the Portfolio by Wells Fargo program is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank's then-current applicable rate or fee. For bonus interest rates on time accounts, this change will occur upon renewal. If the Portfolio by Wells Fargo program is terminated, the remaining unlinked Wells Fargo Portfolio Checking or Wells Fargo Prime Checking account will be converted to another checking product or closed.

Subject to credit qualification. To qualify for a customer relationship discount, you may be required to maintain a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account — if automatic payments are required but not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase. To learn which accounts qualify for the discount, please consult a Wells Fargo banker.

In Alabama, Teen Checking is available for those aged 13 to 18.

For Opportunity Checking accounts, some online and mobile banking features, including person-to-person money transfer features, are not available.

A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income, electronically deposited to your Opportunity Checking account by your employer or an outside agency. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a direct deposit.