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Wells Fargo Preferred Checking

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. If you receive a periodic account statement, that statement will include the Annual Percentage Yield Earned (APYE) on your account for the period covered by the statement. The APYE is an annualized rate that reflects the relationship between the amount of interest actually earned on your account during the statement period and the average daily balance in the account for the statement period.

  • Earn interest on your checking balance of $500 or more
  • No-fee cashier's checks
  • $10 discount on personal style checks

Best For

  • Customers who want to earn interest
  • Higher account balances
  • Customers who have a Wells Fargo Home Mortgage

Get Started

Minimum opening deposit
Open with $25 deposit

Monthly service fee
You can avoid the $15 monthly service fee with one of these each fee period:

  • $10,000 minimum combined daily deposit balances (in linked consumer checking and savings accounts, Time Accounts (CDs), and FDIC-insured Retirement accounts)
  • $1,000 or more in total qualifying direct deposits
  • A Wells Fargo Home Mortgage linked to this account

See the common fees for this account (PDF).

Must be 18 years or older to open this account.

Interest Rates on Balances

Earn interest on balances $500 or more:

Balance APY
$0 - $499.99 0.00%
$500 or more 0.01%

Preferred Checking Features

Your Preferred Checking account comes with:

  • $10 discount on personal style checks
  • One non-Wells Fargo ATM cash withdrawal transaction (U.S.) per fee period
  • No fees on cashier’s checks and money orders
  • Platinum Debit Card with Chip Technology
  • 24/7 Customer Service
  • Bill Pay and Online Transfers
  • Mobile Deposit
  • Budgeting, cash flow, and spending tools
  • Text Banking

Savings Accounts and Overdraft Services

Additional accounts and services to consider

We recommend adding a Wells Fargo Way2Save® Savings account. You can build your savings and also choose from 2 optional overdraft services to help make sure your transactions are covered and to prevent returned or declined transactions.

Protect yourself from overdrafts

When you apply, you can set up Overdraft Protection to help avoid overdrafts and returned items. We make it easy to set up when you apply.

Preferred Checking includes

Wells Fargo Mobile®

Pay bills, send money, and check your balance on smartphone or tablet using the Wells Fargo Mobile® app.

24/7 fraud monitoring

Wells Fargo monitors your account and alerts you to certain activity we find suspicious. If it's not your purchase, we will help you resolve it.

Zero Liability protection

With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions.

Send and receive money with Zelle

Send money to friends and family — without sharing account numbers.

Account alerts

Set up alerts to stay on top of your account activities and balances, sent by email, text, or push notifications.

Chip technology

The chip on your card provides added security when you insert or tap your contactless or chip-only debit card.