Everyday Checking

Our most popular checking account

Open with $25

How to avoid the $10 monthly service fee

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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

each fee period

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

ATM and other 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

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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 (for college students)
  • 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?

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.

Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. 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. U.S. checking or savings account required to use Zelle®. 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. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. 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) 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 the primary 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.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac do not provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

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

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 or transactions using other cards linked to your deposit account. Posting refunds, reversals, and credit adjustments to your account will continue. Any digital card numbers linked to the 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.

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 incoming electronic direct deposits made through the Automated Clearing House (ACH) 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. 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, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo 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.

See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.

Wells Fargo Bank, N.A. Member FDIC.