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Wells Fargo Opportunity Checking®

CA, 94105 Change Location
  • A great way to get back into checking
  • Includes Mobile Banking, for access by smartphones and tablets.
  • Standard banking features, such as checks, debit card, and Bill Pay

Best For

  • Customers unable to open standard accounts due to past credit or banking history
  • Customers who want convenience
  • Customers who have lower account balances

Get Started

Minimum opening deposit
Open with a $25 initial deposit.

Monthly service fee
You can avoid the $10 monthly service fee with one of these each fee period:

  • 10 or more posted debit card transactions (any combination of posted debit card purchases or posted debit card payments of bills) from this checking account – effective with the fee period beginning after October 8, 2020, this will no longer be an option to avoid the monthly service fee
  • Qualifying direct deposits totaling $500 or more
  • $1,500 minimum daily balance – effective with the fee period beginning after October 8, 2020, this option will be lowered to a $500 minimum daily balance

See the common fees for this account (PDF).

You can't open this account directly, only when you're unable to open a standard account due to past credit or banking history.

Start your Everyday Checking application. Learn more

Opportunity Checking Features

Your Opportunity Checking account comes with:

Wells Fargo Online Banking

  • View your balances, transfer funds, and view statements online.
  • Stay on top of your finances with free access to Wells Fargo Online Banking with Bill Pay.
  • My Spending Report with Budget Watch makes it easy to track your spending.
  • Manage your account on the go with Wells Fargo Mobile®.

Platinum Debit Card

Use your debit card to make everyday purchases and pay bills worldwide at participating retailers and service providers — including online or by phone.

Banking on the go

Enjoy convenient access almost anywhere you go. With Wells Fargo you get free access to more than 13,000 Wells Fargo ATMs, and approximately 5,400 branches.

Opportunity SavingsSM and Overdraft Protection

Open an Opportunity Savings account and you can…

  • Make automatic transfers from your checking account.
  • Get optional Overdraft Protection for your Opportunity Checking account.

Opportunity Checking includes

Zero Liability Protection

Unauthorized debit purchases or ATM transactions will be reimbursed if you report them promptly.

24/7 fraud monitoring

We’ll work to contact you if we find unusual account activity, based on your normal transaction patterns.

Account alerts

Alerts give you status updates at a glance, helping you protect your accounts and monitor your spending.

Chip technology

The chip on your debit or credit card generates a unique security code for added security against fraud.