Sign On
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-bearing checking account, linking benefits across your entire relationship
Portfolio Relationship Interest Rate and fee waivers
24/7 phone support from the dedicated Wells Fargo Premier Banking TeamSM
Best For
- Customers who want our highest level of benefits and service
- Rewards and loan discounts
- Portfolio Relationship Interest Rate on non-promotional linked CDs and savings accounts
- Simplified financial management
Get Started
Minimum opening deposit
Open with $25 deposit
Monthly Service Fee:
The Portfolio by Wells Fargo program has a $25 monthly service fee. The fee can be avoided each fee period with $20,000 or more in statement-ending qualifying linked bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and investment account balances (brokerage available through our brokerage affiliate Wells Fargo Advisors,, Investment & Fiduciary Services, annuities,, and foreign exchange).
See the common fees for this account (PDF)
Must be 18 years or older to open this account.
- 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 non-bank affiliates of Wells Fargo & Company. WellsTrade brokerage accounts and Wells Fargo Advisors Intuitive Investor investment accounts are offered through WFCS.
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:
- Waived monthly service fees on certain 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
- No Overdraft Protection advance fee from 1 eligible linked home equity line of credit
- Incoming wires,
- Reimbursement of fees charged by non-Wells Fargo ATMs,
All Portfolio by Wells Fargo customers can enjoy these benefits:
- Interest rate discounts on select new loans and lines of credit
- Special credit card benefits for your Wells Fargo Visa® Platinum 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 contactless and chip technology
Plus, extra benefits for qualifying balances of $250,000 or more
As a Portfolio by Wells Fargo SignatureSM customer, enjoy additional benefits.
- No international purchase transaction fee with your Wells Fargo Debit Card.,,
- Unlimited reimbursement of ATM surcharge fees at non-Wells Fargo ATMs (U.S. and international),,
- No Overdraft Protection transfer fee when transfers are made from an eligible savings account.,
- No fee on stop payments,
Brokerage and investments benefits
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 closed, 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: The $30 WellsTrade household annual fee is waived regardless of your Portfolio by Wells Fargo balances when you link your WellsTrade account to your Portfolio by Wells Fargo program by June 30th of each year.
- 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.
- 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 non-bank affiliates of Wells Fargo & Company. WellsTrade brokerage accounts and Wells Fargo Advisors Intuitive Investor investment accounts are offered through WFCS.
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 loans, and lines of credit.
