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
Picture Identification Required for Teen and Parent or Guardian:
State-issued Driver’s License, Or
Passport, Or
State-issued ID Card
If the teen does not have a state-issued ID Card or a Driver’s license, they can provide both a Social Security Card or Birth Certificate to open the account.
Options to avoid the monthly service fee
Each fee period you can avoid the $10 monthly service fee with one of these:
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– effective with the fee period beginning after October 8, 2020, this will no longer be an option to avoid the monthly service fee
Qualifying direct deposits totaling $500 or more
$1,500 minimum daily balance – effective with the fee period beginning after October 8, 2020, this option will be lowered to a $500 minimum daily balance
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.
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.
For Opportunity Checking accounts, some online and mobile banking features, including person-to-person money transfer features, are not available.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Equal Housing Lender
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
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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
$10 discount on personal style checks
Favorable interest rates and fee waivers on linked accounts
Access to the Dedicated Wells Fargo Premier Banking TeamSM for 24/7 personalized phone service
Parents can set limits on purchases and withdrawals
You can't open this account directly, only when you're unable to open a standard account due to past credit or banking history
There are some limitations on account features
