If you convert from a Wells Fargo account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.
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.
(A) If your Prime Checking or Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Prime Checking or Premier Checking account and effective immediately, benefits no longer apply, including benefits to your now delinked accounts. You'll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked accounts will revert to the Bank's current applicable interest rate or fee at that time. (B) If you or we delink an account from your Prime Checking or Premier Checking account but other accounts remain linked, the loss of all benefits and the other consequences described above in (A) will immediately apply to the delinked account. Benefits available to your Prime Checking or Premier Checking account and any remaining linked accounts will continue.
All loans are subject to credit approval, income verification and, if applicable, collateral evaluation. Programs, rates, terms and conditions are subject to change without notice. The interest rate discount requires a qualifying Wells Fargo consumer checking account. Loan applicants with a Prime Checking or Premier Checking account at the time of application for credit qualify for additional interest rate discounts. The interest rate discount requires automatic monthly payments deducted from a Wells Fargo consumer deposit account. If either the Prime Checking or Premier Checking account is closed or the automatic payment is cancelled at any time after the loan is opened, the interest rate may increase, in which case your corresponding monthly payment will increase. Talk with your banker, or refer to product information online at www.wellsfargo.com, to learn what requirements apply to your specific loan.
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 direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer or the agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM don't qualify as a direct deposit. Direct deposits made available early with Early Pay Day will not count towards applicable options to avoid your account’s monthly service fee until the deposit posts to your account and is no longer pending (e.g., the pay date scheduled by your payor).
When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.
Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access BankingSM accounts. The overdraft fee for Wells Fargo Teen CheckingSM accounts is $15 per item and we will charge no more than two fees per business day.
The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
With Early Pay Day, the Bank may make funds from an incoming electronic ACH direct deposit available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor's payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening.
Unless otherwise noted, stated benefits apply only to the Prime Checking or the Premier Checking account and not other linked accounts.
Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo and not prominently branded with the Wells Fargo name and logo. Wells Fargo may charge a fee for each inquiry or transaction made at a non-Wells Fargo ATM. The non-Wells Fargo ATM operator or network may also charge a fee.
Fees charged by non-Wells Fargo ATM operators or networks may apply. For Prime Checking and Premier Checking accounts, Wells Fargo will waive its non-Wells Fargo ATM cash withdrawal transaction fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM. In addition, for Prime Checking Wells Fargo will reimburse one fee charged by a non-Wells Fargo ATM operator located in the U.S. and one fee charged by a non-Wells Fargo ATM operator located outside the U.S. per fee period. For Premier Checking, Wells Fargo will reimburse all fees charged by non-Wells Fargo ATM operators. When the amount of the fee charged by the non-Wells Fargo operator is not provided to Wells Fargo, Prime Checking and Premier Checking customers will receive a $4.00 reimbursement per cash withdrawal.
For each debit card purchase in a foreign currency converted to a U.S. dollar amount by a network.
In addition to any applicable fees, we make money when we convert one currency to another currency for you. The exchange rate used when we convert one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate we provide to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. We're your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.
Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the "Applicable Exchange Rate" section of the Deposit Account Agreement.
Enrollment in Wells Fargo Online® Wires is required, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier’s message and data rates may apply. For more information, view the Wells Fargo Wire Transfers Terms and Conditions.
Outstanding Cashier's checks are subject to state or territorial unclaimed property laws.
If the cashier's check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will impose a $31.00 stop payment fee and require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo's approved insurance carrier or through an insurance carrier of the customer's choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier's underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Investment and Insurance Products are:
- Not Insured by the FDIC or Any Federal Government Agency
- Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
Equal Housing Lender
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
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