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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 switch from a Wells Fargo checking 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 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.

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.

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

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 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 banking location or ATM don't 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 Card^SM program.

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.

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

If your Portfolio by Wells Fargo program is closed or an account is delinked from the program, then effective immediately, Portfolio by Wells Fargo benefits no longer apply, including benefits to your linked accounts. You will no longer receive discounts, options to avoid fees on other products or services, or the Portfolio Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked account will revert to the Bank's current applicable interest rate or fee at that time.

If you own a qualifying Wells Fargo consumer checking or savings account or a Portfolio by Wells Fargo^® program (each a qualifying deposit account), you will earn a relationship bonus of 10%, 25%, or 50% on rewards points earned on net purchases (purchases minus returns/credits) made on your credit card account. You cannot earn a relationship bonus on points that are earned as either bonus points or as promotional points. Your relationship bonus percentage will be determined based on the type of qualifying deposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account within a Portfolio by Wells Fargo program, you will earn a 25% relationship bonus. If your Portfolio by Wells Fargo program statement-ending qualifying relationship balance is $250,000 or more, you will earn a 50% relationship bonus. If you are designated as being in the Wells Fargo Private Bank, you will earn a 50% relationship bonus. If you own more than one qualifying deposit account, you will earn the most favorable bonus rewards points percentage you qualify for at the time your relationship bonus is calculated. The relationship bonus, which will be in the form of rewards points, will post to your account in the thirteenth month after your credit card account was opened and annually on this date thereafter for as long as you maintain your qualifying deposit account. Refer to the Summary of the Go Far^® Rewards Program Terms and Conditions and Addendum to the Go Far^® Rewards Program Terms and Conditions for the Wells Fargo Propel World American Express^® Card.

All loans and lines of credit are subject to credit approval, income verification and, if applicable, collateral evaluation. Programs, rates, terms and conditions are subject to change without notice. You must be an existing Portfolio by Wells Fargo program customer at the time of application for credit. The interest rate discount requires a qualifying Portfolio by Wells Fargo consumer checking account. The interest rate discount may also require automatic monthly payments deducted from either a Wells Fargo consumer deposit account or any financial institution’s consumer deposit account. If the Portfolio by Wells Fargo program is terminated or the automatic payment is cancelled at any time after the loan or line 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 line or loan.

Certain brokerage accounts are not eligible.

Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

If the annuity becomes annuitized, or a periodic payment schedule has been established, the remaining balance will no longer be eligible for qualification.

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. In addition, you will be reimbursed for one surcharge incurred at a non-Wells Fargo ATM located in the U.S. and one surcharge incurred at a non-Wells Fargo ATM located outside the U.S. per fee period. Where Portfolio by Wells Fargo qualifying balances are $250,000 or more, you will be reimbursed for all surcharge fees.

If your Portfolio by Wells Fargo program is closed or an account is delinked from the program, then effective immediately, Portfolio by Wells Fargo benefits no longer apply, including benefits to your linked accounts. You will no longer receive discounts, options to avoid fees on other products or services, or the Portfolio Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked account will revert to the Bank's current applicable interest rate or fee.