Interest Earning Checking Account | Wells Fargo

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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 a $25 initial deposit.

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

  • $10,000 in combined minimum deposit balances, OR
  • Qualifying direct deposit totaling $1,000 or more, OR
  • A linked Wells Fargo Home Mortgage

See the common fees for this account (PDF).

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
  • Instant Access Debit Card
  • 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

We’ll work to contact you if we find unusual account activity, based on your normal transaction patterns.

Zero Liability protection

Unauthorized debit card purchases or ATM transactions will be reimbursed if you report them promptly.

Send and receive money with Zelle

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

Account alerts

Alerts give you status updates at a glance, helping you protect your accounts and monitor your spending.

Chip technology

The chip on your debit or credit card generates a unique security code for added security against fraud.