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.
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)
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.
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.
If the Portfolio by Wells Fargo program is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank's then-current applicable rate or fee. For bonus interest rates on time accounts, this change will occur upon renewal. If the Portfolio by Wells Fargo program is terminated, the remaining unlinked Wells Fargo Portfolio Checking or Wells Fargo Prime Checking account will be converted to another checking product or closed.
Subject to credit qualification. To qualify for a customer relationship discount, you may be required to maintain a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account — if automatic payments are required but not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase. To learn which accounts qualify for the discount, please consult a Wells Fargo banker.
Benefits apply only to the primary Wells Fargo Portfolio Checking account within the Portfolio by Wells Fargo.
Home equity lines of credit secured by residential real estate located in Connecticut, New York, and Texas are not eligible to be linked for Overdraft Protection.
If you have an existing Wells Fargo Debit Card, we will link your new account to it. If you have multiple cards, we will link it to the card most recently used.
All credit cards are subject to credit qualification.
Certain restrictions, limitations, and fees may apply. Extended Warranty Protection, Price Protection, and Travel Protection Coverage included with Wells Fargo Visa® Platinum credit card will be terminated if the credit card is no longer linked to the Portfolio by Wells Fargo program. See the Wells Fargo Visa Credit Card Purchase and Trip Protection Benefits Guide for more details.
If you own a qualifying Wells Fargo consumer checking or savings account, or a Portfolio by Wells Fargo program (each a “qualifying deposit account”), you will earn a relationship bonus of 10%, 25%, or 50% on rewards points earned on net purchases (purchases minus returns/credits) made on your credit card account. You cannot earn a relationship bonus on points that are earned as either bonus points or as promotional points. Your relationship bonus percentage will be determined based on the type of qualifying deposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account in a Portfolio by Wells Fargo program, you will earn either a 25% or 50% relationship bonus, depending on the statement-ending qualifying balances and type of Portfolio by Wells Fargo. If you own more than one qualifying deposit account, you will earn the most favorable bonus rewards points percentage you qualify for at the time your relationship bonus is calculated. The relationship bonus, which will be in the form of rewards points, will post to your account in the 13th month after your credit card account was opened and annually on this date thereafter for as long as you maintain your qualifying deposit account. Please review the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Propel World American Express® Card or the Wells Fargo Propel 365 American Express® Card for details.
Overdraft Protection transfers from a savings account count towards the Regulation D and Wells Fargo combined limit of 6 transfers and withdrawals per monthly fee period. If the limit is exceeded on more than an occasional basis, your savings account could be converted to a checking account or closed.
Surcharge fees imposed by non-Wells Fargo ATM owners or operators may apply. For the Portfolio by Wells Fargo program, Wells Fargo will waive its own ATM access fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM from your primary checking account within the Portfolio by Wells Fargo program. Where Portfolio by Wells Fargo qualifying balances are $250,000 or more, you will be reimbursed for all surcharge fees on non-Wells Fargo ATM withdrawals located in the U.S., and receive reimbursement for up to 5 surcharge fees imposed by non-Wells Fargo ATM owners or operators per monthly fee period if you use a non-Wells Fargo ATM to make a cash withdrawal at an ATM located outside of the U.S.
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.
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.
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.
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