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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 application, credit qualification, 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 or savings account and automatic payments set up from qualifying Wells Fargo checking or savings account. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one interest rate discount may be applied per application. Talk with your banker, or refer to product information online at wellsfargo.com/relationshipdiscount, to learn what requirements apply to your specific loan.

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.

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.

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 FedNow^SM 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.

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 Banking accounts.

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 certain direct deposits available to you one to two business days before we receive the funds from the payor, which is typically your employer. Early Pay Day is not guaranteed, may vary between pay periods, and we may stop providing it at any time without advance notice to you. Our ability to provide early access to funds may be limited by many factors, such as when we receive notice of payment from your payor. It is always your obligation to verify that the funds are available in your account before spending them. Available for personal accounts only. See our Deposit Account Agreement for more details.

Unless otherwise noted, stated benefits apply only to the Prime Checking or Premier Checking account and not other linked accounts.

Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name and logo. Wells Fargo may charge a fee for withdrawal 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 or network 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.

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 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.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

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