How can we help?

Popular FAQs

Everyday Checking

Our most popular checking account

Open with $25

How to avoid the $10 monthly service fee

Open now


Screen image is simulated

‍

Best account for everyday convenience

Flexible ways to avoid the monthly service fee

Why pay fees? Everyday Checking has more options to avoid the fee.

Multiple ways to pay

Checks, Zelle®, Bill Pay, digital wallets, and contactless debit card

Everyday Checking
fees and details

Monthly service fee
$10

each fee period

You can avoid the monthly service fee with one of the following each fee period:

  • $500 minimum daily balance
  • $500 or more in total qualifying electronic deposits
  • The primary account owner is 17 - 24 years old
  • A linked Wells Fargo Campus ATM Card or Campus Debit Card (Effective May 1, 2025, customers will no longer be able to open or link a new Wells Fargo Campus Card to checking and savings accounts.)
  • A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program
ATM and other fees
Quick view of account fees
Overdraft services
Convenient ways to help you avoid overdrafts, including Extra Day Grace Period
Minimum balance
Checking account with no minimum daily balance required
Debit card
Contactless debit card for fast payments and ATM access
Minimum age to open

Open an Everyday Checking account

$25 minimum opening deposit

Open now
Make an appointment at a branch    
‍

Bank with confidence

10,000+ ATMs

More Wells Fargo ATMs to help you bank locally and on the go

Learn more

Learn more

24/7 Security

Fraud monitoring around the clock, plus Zero Liability protection

Learn more

Learn more

Get paid early

Receive your direct deposits up to two business days sooner with Early Pay Day

Learn more

Learn more

Mobile and online banking

Bank easily from your computer or phone

Learn more

Learn more

Open now
Make an appointment at a branch

Bank Easy

Get the app loved by millions
9M ratings | 4.9 stars

Bank Easy

Get the app loved by millions
9M ratings | 4.9 stars

  • Deposit checks with mobile deposit
  • Add cards to your digital wallet
  • Send and receive money with Zelle®
  • Get help with Fargo® virtual assistant
  • View your latest FICO® Score
  • Turn credit and debit cards on or off

*Screen image is simulated

**4.9/5 Stars on the App Store and 4.8/5 on Google Play as of July 1, 2024
Image of a smart phone displaying a checking account interface, accompanied by various checking account debit cards scattered around it.

Not sure which checking account is the best fit?

Compare all checking accounts
Take a quiz to find your account

‍

Everyday Checking FAQs

You can open an Everyday Checking account online or in-person at a Wells Fargo branch. You must be 18 or older to apply online. 17 and under must open at a branch.

No matter how you apply, you'll need:

  • Your Social Security number
  • Valid ID (driver's license, state ID, Consular ID)
  • Current residential address
  • $25 opening deposit
IDs required to open (plus co-applicant's information if applicable).

Yes, you can open Everyday Checking as a joint account. However, joint checking accounts must be opened at a branch. Make an appointment.

You need the same information that is required to open an individual checking account, but you’ll need it for both applicants. IDs required to open

Yes, there are multiple ways to avoid the $10 monthly service fee. You can avoid the fee with one of the following each fee period:

  • $500 minimum daily balance
  • $500 or more in total qualifying electronic deposits
  • The primary account owner is 17 - 24 years old
  • A linked Wells Fargo Campus ATM Card or Campus Debit Card (Effective May 1, 2025, customers will no longer be able to open or link a new Wells Fargo Campus Card to checking and savings accounts.)
  • A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program

Yes, you can overdraft your Everyday Checking account. However, there is optional overdraft protection you can enroll in.

Set up optional Overdraft Protection to avoid the inconvenience of declined transactions and overdrafts. You can link up to two eligible Wells Fargo accounts (one savings, one credit) to authorize or pay your transactions if you don't have enough available money in your checking account. We will transfer or advance available funds from your linked account(s) automatically to cover your transactions.

Overdraft Protection covers all transaction types – including ATM and debit card transactions, checks, Bill Pay, and recurring electronic payments. We do not charge transfer fees or advance fees for Overdraft Protection. Overdraft Protection advances from a credit account accrue interest from the date each advance is made.

You also have Extra Day Grace Period. With Extra Day Grace Period, you have an extra business day to make deposits and avoid overdraft fees. If your available balance covers the prior business day's overdraft items as of midnight Eastern Time, we'll waive the associated overdraft fees. Prior business day overdraft items that are not covered by midnight Eastern Time are subject to applicable overdraft fees.

Yes, all Wells Fargo checking account funds are FDIC-insured up to the maximum applicable limit.

Visit our FDIC Insurance page to learn more.

How can we help?

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.

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.

Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. 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 and your applicable business account fee disclosures for other terms, conditions, and limitations.

Digital wallets may not be available on all devices.

Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. 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. Account fees (e.g., monthly service, overdraft, Small Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®.

Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Fargo is only available on the smartphone versions of the Wells Fargo Mobile® app.

You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier's message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Turning off your 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 or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the card will also be turned off. For debit cards, turning off your card will not stop transactions using other cards linked to your deposit account. For credit cards, turning off your card will turn off all cards associated with your credit card account. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier's message and data rates may apply.

With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.

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.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android, Google Play, Chrome, Pixel and other marks are trademarks of Google LLC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Wells Fargo Bank, N.A. Member FDIC.

QSR-10102026-7846702.1.1

LRC-0425