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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
 

most popular

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.

  • Bonus 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
 

$25,000 or more in qualifying linked bank deposits (checking, savings, time accounts (CDs), and FDIC-insured retirement accounts)

$50,000 or more in qualifying linked bank, brokerage (available through our brokerage affiliate, Wells Fargo Advisors®), and credit balances (including 10% of mortgage balances).

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

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 (please check with your employer or outside agency to determine if they use the Automated Clearing House (ACH) network). Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM do not qualify as a direct deposit.

Wells Fargo Campus ATM and Campus Debit Cards are available for students, faculty and staff of colleges and universities that participate in the Wells Fargo Campus CardSM program. Ask a banker for additional details about participating colleges and universities. Your checking account will receive a monthly service fee waiver within 45 days of linking your Campus Card to that account.

On the primary account owner's 25th birthday, the account will automatically be subject to the then current monthly service fee unless you meet one of the other options to avoid the monthly service fee.

Mobile deposit is only available through the Wells Fargo Mobile® app. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s Online Access Agreement for other terms, conditions, and limitations.

Enrollment is required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

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.

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.

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

Subject to applicable Overdraft Protection transfer or advance fees. Account eligibility requirements apply.

On the primary account owner's 25th birthday, the account will automatically be subject to the then current monthly service fee unless you meet one of the other options to avoid the monthly service fee. Depending on the type of account you have there may be other options to avoid the monthly service fee.

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 converting 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.

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

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

Benefits apply only to the primary 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.