Checking Account | Portfolio by Wells Fargo

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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

  • Customers who want our premium level of benefits and service
  • Earn rewards, receive loan discounts, and bonus savings rates across linked accounts
  • Simplified financial management

Get Started

Minimum opening deposit
Open with $25 deposit

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

See the common fees for this account (PDF)

Must be 18 years or older to open this account.

Open Now   Compare All Accounts

Interest Rates on Wells Fargo Portfolio Checking Balances

Current interest rates

Balance APY
$0 or more 0.01%

Portfolio by Wells Fargo Features

Portfolio by Wells Fargo customers save on fees:

  • No monthly service fee on additional select linked checking and savings accounts
  • No fee for many bank services
    • Wells Fargo Personal Wallet checks — for the primary Wells Fargo Portfolio Checking account
    • Cashier's checks and 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, 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 World 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

Wells Fargo Advisors

With a Portfolio by Wells Fargo program, you'll have access to online investing guidance from Wells Fargo Advisors 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.

Get automated investing and access to advisors

An Intuitive Investor® account combines tech-powered investing and professional guidance.

  • Portfolio by Wells Fargo customers who link their Intuitive Investor® accounts receive a discount* off the standard Intuitive Investor account advisory fee.
  • Your investment balance is included in the qualifying balance when you link your Intuitive Investor account to your Portfolio by Wells Fargo program.

*When you link your Intuitive Investor account offered through Wells Fargo Advisors to your Wells Fargo Bank Portfolio by Wells Fargo program, your advisory fee is discounted to 0.30%, instead of the standard advisory fee of 0.35%. The advisory fee discount will be applied at account opening if the account is eligible to be linked to an existing Wells Fargo Bank Portfolio by Wells Fargo program. If your Intuitive Investor account is not linked to a Wells Fargo Bank Portfolio by Wells Fargo program within 90 days, the discounted advisory fee will no longer apply, and the standard advisory rate of 0.35% will apply. If the Wells Fargo Bank Portfolio by Wells Fargo program is terminated, the discounted advisory fee will discontinue and revert to the current applicable advisory fee. Custodial accounts and certain trust accounts are not eligible for the Wells Fargo Bank Portfolio by Wells Fargo program advisory fee discount. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. For complete fee information, refer to the Intuitive Investor fee schedule (PDF). For questions about the Portfolio by Wells Fargo program, call our Premier Banking Team at 1-800-742-4932.

Online and mobile solutions that allow you to invest your way

  • WellsTrade® Online and Mobile Brokerage: Waived WellsTrade annual fee when your WellsTrade account is linked to your Portfolio by Wells Fargo program.
  • View your brokerage and banking accounts with a single sign on and conveniently transfer funds.
  • Make informed decisions with independent research, tools, and expert insights from Wells Fargo Investment Institute** analysis.

**Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.

Work with a financial advisor

  • Wells Fargo Advisors is the third-largest full-service provider of brokerage services in the U.S., with nearly 14,000 Financial 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 helps prepare and guide you through retirement, not just for retirement.

Portfolio by Wells Fargo includes

No-Fee bank services

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

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 the Wells Fargo Propel World American Express® Card.

Save on loans and credit lines

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

Customer help

Other accounts

More resources

Investment and Insurance Products are:
  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS), and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker/dealers and nonbank affiliates of Wells Fargo & Company.

$25,000 or more in qualifying linked bank deposits (checking, savings, time accounts (CDs), and FDIC-insured retirement accounts)

$50,000 or more in qualifying linked bank, brokerage (available through our brokerage affiliate, Wells Fargo Advisors®), and credit balances (including 10% of mortgage balances)

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).

As of September 30, 2019.

Based on number of Financial Advisors. Data include Wells Fargo Clearing Services, LLC, (including its predecessor firms) and Wells Fargo Advisors Financial Network, LLC.