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Portfolio by Wells Fargo®

CA, 94105 Change Location

The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. Your account statement will include the APY earned on your savings accounts and interest-earning checking accounts for the period covered by the statement.

  • At the foundation of the Portfolio by Wells Fargo program is an interest-earning checking account, linking benefits across your entire relationship
  • Bonus interest rates and fee waivers
  • 24/7 phone support from the dedicated Wells Fargo Premier Banking TeamSM

Best For

  • Rewards across your full Wells Fargo relationship
  • Banking with benefits and premium service
  • Simplified financial management

Get Started

Minimum opening deposit
Open with a $25 initial deposit.

Monthly service fee
You can avoid the $30 monthly service fee with one of the following statement ending balances:

$25,000+ in qualifying linked bank deposits, OR

$50,000+ in qualifying linked bank, brokerage and credit balances

See the common fees for this account (PDF)

 Upgrade Now 

Get all the benefits of Portfolio by Wells Fargo.

Upgrade Your Current Account

Interest Rates on Wells Fargo Portfolio Checking Balances

Earn a higher interest rate on balances above $5,000:

Balance APY
$0 - $4999 0.01%
$5000 or more 0.05%

Portfolio by Wells Fargo Features

All Portfolio by Wells Fargo customers save on fees:

  • No monthly service fee on additional select linked checking and savings accounts
  • Annual fee waiver on 1 eligible home equity line of credit
  • No fee for many bank services
    • Wells Fargo Personal Wallet checks — for the primary Wells Fargo Portfolio Checking account
    • Cashier's checks and personal money orders
    • Overdraft Protection advance fee from 1 eligible linked home equity line of credit
  • Waived Wells Fargo ATM access fee for cash withdrawals made at non-Wells Fargo ATMs (U.S. and international)

All Portfolio by Wells Fargo customers can enjoy these benefits:

  • Interest rate discounts on select new personal loans, auto loans and home equity loans and lines of credit
  • Special credit card benefits for your Wells Fargo Visa® credit card such as special Purchase and Travel Protection Coverage
  • Annual relationship bonus on non-bonus reward points for Wells Fargo Propel 365 American Express® Card, Wells Fargo Propel World American Express® Card, and Wells Fargo Propel American Express® Card
  • Platinum Debit Card with chip technology

Plus, extra benefits for qualifying balances of $250,000 or more

As a Portfolio by Wells Fargo PlusSM customer, enjoy additional rewards and discounts.

  • Certain fees waived on select bank services. Enjoy waived fees on incoming wires, stop payments, ExpressSend remittance services and more.
  • Reimbursement of ATM surcharge fees on non-Wells Fargo ATMs. Unlimited for U.S. ATMs; up to 5 per fee period for international ATMs.
No Overdraft Protection transfer fee. When transfers are made from an eligible savings account.

Brokerage and Investments Benefits

With a Portfolio by Wells Fargo program, you’ll have access to online investment guidance or the option to work with a Wells Fargo Advisors Financial Advisor — and you’ll benefit from services and strategies designed to help meet your personal financial goals.

A comprehensive online and mobile solution for self-directed investing

  • WellsTrade® Online and Mobile Brokerage: Get unlimited $6.95 online trades when added to your Portfolio by Wells Fargo program.
  • Waived WellsTrade household annual fee when your WellsTrade online investment account is linked to your Portfolio by Wells Fargo.
  • Transfer money between banking and investment accounts easily.
  • Access a powerful collection of Wells Fargo Advisors online tools and resources including the latest market commentary and economic outlooks to help you make informed investment decisions.
  • Get 24/7 assistance by phone from our knowledgeable support team of investment professionals.

Work with a financial advisor

Wells Fargo Advisors is the third-largest full-service provider of brokerage services in the U.S., with more than 15,000 Wells Fargo Advisors nationwide.

  • Work with a Financial Advisor to get a plan that encompasses your entire financial picture, not just your investments, with Wells Fargo Advisors.
  • Tap into our Financial Advisors’ experience and sophisticated planning tools to develop a unique financial strategy — one that prepares and guides you through retirement, not just to retirement.
Investment and Insurance products:
  • Are Not insured by the FDIC or any other federal government agency
  • Are Not deposits of or guaranteed by a Bank
  • May Lose Value

Portfolio by Wells Fargo includes

No-Fee bank services

Including cashier's checks, personal money orders, and Wells Fargo Personal Wallet checks.

Waived ATM fees

We’ll waive the fee at non-Wells Fargo ATMs for cash withdrawals made in the U.S. and abroad.

Annual relationship bonus

Relationship bonus on the non-bonus rewards points you earn with Wells Fargo American Express® Cards.

Save on loans and credit lines

Interest-rate discounts on select new personal loans, auto loans, and home equity loans and lines of credit.

Accounts include checking, savings, time accounts (CDs) and FDIC-insured IRAs.
Accounts include qualifying linked bank, brokerage (available through our brokerage affiliate, Wells Fargo Advisors®), and credit balances (including 10% of mortgage balances, certain mortgages not eligible).
Additional benefits available for Portfolio by Wells Fargo Plus customers who have $250,000 or more in qualifying balances.
Reimbursement of surcharges imposed by third parties if you use a non-Wells Fargo ATM (U.S. only) and reimbursement of up to five surcharges per statement period imposed by third parties if you use a non-Wells Fargo ATM (International only).

Unlimited waived Wells Fargo ATM access fee for cash withdrawals made at non-Wells Fargo ATMs (US and International).

Unlimited $6.95 trades can be applied to commissions for online and automated telephone trading of stocks (excluding Penny Stocks) and exchange-traded funds or to transaction fees on applicable no-load mutual fund transactions. WellsTrade household annual fee is waived regardless of the Portfolio by Wells Fargo balances when your WellsTrade account is added to a Portfolio by Wells Fargo account. Discounts and fee waiver based on having a Wells Fargo Advisors WellsTrade account added to your Portfolio by Wells Fargo account; Other fees and commissions apply to a WellsTrade account. For complete information on fees and commissions refer to the WellsTrade Account Commissions and Fee Schedule. Schedule subject to change at any time.

Based on the number of financial advisors and client assets.