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Wells Fargo Preferred Checking

CA, 94105 Change Location

A good way to earn interest and meet your checking needs

Wells Fargo Preferred Checking is a great choice if you want to earn interest on your checking account. Plus you get quick and convenient Wells Fargo Online® and Wells Fargo Mobile® access to your funds.

Common checking account fees

Learn about the common account fees for Preferred Checking. View Account Fees (PDF)

Monthly service fee

Avoid the monthly service fee on your Wells Fargo Preferred Checking account with one of the following each fee period:

  • Maintain $10,000 in combined minimum deposit balances, OR
  • Qualifying total direct deposits of $1,000, OR
  • Have a linked Wells Fargo Home Mortgage.

Otherwise, this account is $15 per month.

Minimum opening deposit

This checking account requires a minimum opening deposit of $25. Easy Wells Fargo Online Funding.

Interest Rate on Preferred Checking

Balance APY
$0 - $499 0.00%
$500 or more 0.01%

Your Preferred Checking account comes with:

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.

Bank anywhere, anytime

Enjoy convenient access almost anywhere you go. With Wells Fargo you get free access to 13,000 Wells Fargo ATMs, and more than 6,000 retail banking stores. For even more convenience, you can access your accounts online or by mobile device.



View a comparison chart of our most popular accounts. View Chart

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.

Open an account Open Now
Visit a branch or call us at 1-877-250-2239

More options to explore

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 nine-digit routing number found on your check or deposit slip.
  • Credit card.
  • 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.
  • Use your debit card to make everyday purchases and pay bills worldwide at participating retailers and service providers – including online or by phone.
  • Pay recurring bills with your debit card on the scheduled date you choose and save time and money.

Conveniently manage your accounts online. View balances and statements, transfer funds, set up account alerts, and more.

Receive timely alerts about your account transactions, sent right to your email or mobile device.

Manage your accounts right from your mobile device. Check balances, pay bills, transfer money, and more.