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Portfolio by Wells Fargo®

CA, 94105 Change Location

Discover better benefits with a Portfolio by Wells Fargo program

Enjoy a higher level of banking rewards, including bonus interest rates, fee waivers, and discounts on ††brokerage services offered through our affiliate Wells Fargo Advisors®.

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 balances across your entire financial relationship — including your ††brokerage, savings, and retirement accounts.

How you benefit

Bonus interest rates

Get bonus interest rates on select savings accounts when you link them to your Portfolio by Wells Fargo account.

Discounts on credit and loans

Enjoy discounted interest rates on qualifying personal, auto, and home equity loans and lines of credit.

Fee waivers

Save with fee waivers on many common banking services, including unlimited waived monthly service fees on select checking and savings accounts.

Superior Service 24/7

Access superior service with our dedicated Wells Fargo Premier Banking TeamSM – 24 hours a day, 7 days a week.

Monthly service fee

Avoid the $30 monthly service fee on your Portfolio by Wells Fargo program by meeting 1 of the following qualifying balance requirements for each month:

  • $25,000 or more in qualifying linked bank deposits (checking, savings, time accounts, (CDs), FDIC-insured IRAs), or
  • $50,000 or more in any combination of qualifying linked bank, brokerage (available through our brokerage affiliate Wells Fargo Advisors®), and credit balances (including 10% of mortgage balances, certain mortgages not eligible)

View common checking account fees (PDF).

Compare our most popular checking accounts using our comparison chart.

Open your Portfolio by Wells Fargo program in minutes online

The Portfolio by Wells Fargo program begins when you open a Wells Fargo Portfolio Checking account. Enjoy benefits such as bonus interest rates, waived fees, and discounts. With larger qualifying balances come additional benefits and even free services.

Opening your Wells Fargo Portfolio Checking account requires a $25 minimum deposit. We make it easy to fund your account online.

Portfolio by Wells Fargo benefits and features

  • No monthly service fee on additional select linked checking and savings accounts.
  • Interest rate discounts on select new personal loans, auto loans, and home equity loans and lines of credit.
  • Annual fee waiver on 1 eligible home equity line of credit.
  • Platinum Debit Card or linkage to your existing debit card with increased daily ATM withdrawal limits upon request.
  • 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.
  • No fee for many bank services.
    • Wells Fargo personal checks — except desk checks or home office style (3-on-a-page) — for the primary Wells Fargo Portfolio Checking account.
    • Cashier's checks, personal money orders, Wells Fargo Online® banking with Bill Pay.
    • Overdraft Protection advance fee from 1 eligible linked home equity line of credit.,
    • Account alerts to your mobile phone or email. (Your mobile carrier’s message and data rates may apply.)
    • Wells Fargo Mobile® banking.
  • Waived Wells Fargo ATM access fee for cash withdrawals made at non-Wells Fargo ATMs (U.S. and international).,

Even more benefits for qualifying balances of $250,000 or more.

As a top tier 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.,

Benefits apply only to the primary Wells Fargo Portfolio Checking account within the Portfolio by Wells Fargo program.

Note: Not all benefits described are available during the first statement period.

††Brokerage and Investments offered through Wells Fargo Advisors

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

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.

  • 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 program.
  • 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

  • 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 federal government agency
  • Are Not deposits of or guaranteed by a Bank
  • May Lose Value

Competitive interest rate on a Wells Fargo Portfolio Checking account

Competitive interest rate on Wells Fargo Portfolio Checking

Balance APY
$0 - $4999 0.01%
$5000 or more 0.05%
Open an account Open Now
You can also
upgrade your existing account
or call us at 1-866-245-3452

More options to explore

It's fast and easy to fund your account with our secure online application. Here's how:

  • Transfer from an existing Wells Fargo account.
  • Transfer from a non-Wells Fargo account. You'll need your account number and the 9-digit routing number found on your check or deposit slip.
  • Credit card.
  • Check or money order by mail or in person. You can mail in your check or money order or go to a local banking store after you submit your application.

Top tier customers 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 5 surcharges per statement period imposed by third parties if you use a non-Wells Fargo ATM (International only).

Based on the number of financial advisors and client assets.

Online Investing

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.