Compare Checking Accounts | Wells Fargo

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Compare Checking Accounts

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

Everyday Checking

Our most popular, ideal for students and loaded with convenience.

  • Monthly service fee waived for college-age students – when the primary owner of the account is 17-24 years old
  • Popular banking features, such as Wells Fargo Mobile® app, debit card, and alerts
$25 minimum opening deposit

    Clear Access BankingSM

    Our checkless checking account that helps you avoid overdraft and non-sufficient funds (NSF) fees.

    • $5 monthly service fee – waived for primary account owners who are 13-24 years old
    • Set up alerts to help you avoid spending more than what's in your account
    • Created for your digital lifestyle with the Wells Fargo Mobile® app, debit card with contactless and chip technology, and Bill Pay
    • $25 minimum opening deposit

    Preferred Checking

    Earn interest on your balance. A good option for Wells Fargo Home Mortgage customers.

    $25 minimum opening deposit

      Portfolio by Wells Fargo®

      Interest checking with our highest level of relationship benefits and rewards.

      • Favorable interest rates and fee waivers on linked accounts
      • Access to the Dedicated Wells Fargo Premier Banking TeamSM for 24/7 personalized phone service
      $25 minimum opening deposit

        What teens need to open an account

        Account owner

        • Anyone 17 and older can open as a primary owner
        • Teens 13 – 16 need an adult co-owner
        • All teens 13 – 17 must open an account at a branch

        Forms of ID
        Each account owner and co-owner needs one of the following:

        • State-issued driver's license
        • State-issued ID card
        • U.S. passport

        Teens without any of the above need both a Social Security card and a birth certificate.

        Options to avoid the monthly service fee

        Each fee period you can avoid the $15 monthly service fee with one of these:

        • $10,000 in combined minimum deposit balances
        • Qualifying direct deposits totaling $1,000 or more
        • 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

        Avoid the $30 monthly service fee with one of the following qualifying balances:

        • $25,000 or more in qualifying linked bank deposits
        • $50,000 or more in qualifying linked bank, brokerage, and credit balances

        Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

        10 or more posted debit card transactions (any combination of posted debit card purchases or posted debit card payments of bills) from this checking account each fee period.

        • Included: Debit card purchases made using PIN, signature, online, phone, or mobile wallet. Debit card payments include one-time or recurring payments of bills with your debit card.
        • Not Included: Any transaction at an ATM (Wells Fargo or non-Wells Fargo). Automated Clearing House (ACH) transactions. ACH transactions are set up using your checking account number and routing number – NOT a debit card number.

        Debit card purchases and debit card 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 on your statement. Transactions received after the applicable cutoff 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 through the Automated Clearing House (ACH) network to this checking account by your employer or an outside agency. Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM do not qualify as a direct deposit.

        On the primary account owner's 25th birthday, the account will automatically be subject to the then current monthly service fee.

        Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions; transactions using other cards linked to your deposit account; or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the debit card will also be turned off. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

        With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. Please see your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions.

        Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.

        If you convert from another Wells Fargo checking account with check writing ability, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid and the payee may charge additional fees when the check is returned. Please make sure prior to convertinq to the Clear Access Banking account that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written.

        Sign up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

        Enrollment with Zelle through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Available to almost anyone with a U.S.-based bank account. For your protection, Zelle should only be used for sending money to friends, family, or others you trust. The Request feature within Zelle is only available through Wells Fargo using a smartphone, and may not be available for use with all small business accounts at this time. In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. Neither Wells Fargo nor Zelle offers a protection program for authorized payments made with Zelle. To send money to or receive money from an eligible small business, a consumer must be enrolled with Zelle through their financial institution. Small businesses are not able to enroll in the Zelle app, and cannot receive payments from consumers enrolled in the Zelle app. For more information, view the Zelle Transfer Service Addendum to the Wells Fargo Online Access Agreement . Your mobile carrier’s message and data rates may apply.

        Surcharge fees imposed by non-Wells Fargo ATM owners or operators may apply.

        Benefit is not available during the first statement period that the qualifying statement-ending balance is $250,000 or more.

        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.

        No fee for Wells Fargo personal checks — except desk checks or home office style (3-on-a-page).

        Benefits apply only to the primary Wells Fargo Portfolio Checking account within the Portfolio by Wells Fargo program.

        Surcharge fees imposed by non-Wells Fargo ATM owners or operators may apply. For the Portfolio by Wells Fargo program, Wells Fargo will waive its own ATM access fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM from your primary checking account within the Portfolio by Wells Fargo program. Where Portfolio by Wells Fargo qualifying balances are $250,000 or more, you will be reimbursed for all surcharge fees on non-Wells Fargo ATM withdrawals located in the U.S., and receive reimbursement for up to 5 surcharge fees imposed by non-Wells Fargo ATM owners or operators per monthly fee period if you use a non-Wells Fargo ATM to make a cash withdrawal at an ATM located outside of the U.S.