A premier level of checking benefits
Get more from your banking relationship
Priority service
24/7 phone support for all your banking needs
Relationship rates
Receive Relationship Interest Rates on eligible linked CDs and savings accounts,
Fewer fees
Fees waived for ATM use worldwide,, international debit card purchases,, incoming and outgoing wire transfers,,
Goals based planning
Personal assistance to help you achieve your goals
Premier Checking benefits
Relationship Interest Rates, fee waivers and discounts on banking transactions,
Relationship benefits
- Interest rate discounts on select new loans
- Relationship Interest Rate for eligible linked CDs and savings accounts.,
- Waived fees on linked accounts - monthly service fees waived on certain linked checking and savings accounts

ATM fee waivers
- No ATM fees worldwide and unlimited reimbursements for non-Wells Fargo ATM fees,
- No fee on international purchase transactions when using your Wells Fargo Debit Card,

Banking discounts
- No wire transfer fees for incoming or outgoing wire transfers,,
- No fee for cashier's checks or money orders
- 2% discount on exchange rate for foreign currency cash purchases when purchasing foreign currency through the Wells Fargo Foreign Currency call center, online at wellsfargo.com, or when exchanging foreign currency at a Wells Fargo branch.

Other benefits
- No fee for Wells Fargo Personal Wallet checks
- Discount on safe deposit box rental, where available
- No fees for monthly check safekeeping or image statements

Learn more about the Wells Fargo Premier experience available to you with a Premier Checking account
Investment benefits from Wells Fargo Advisors
Discount on automated investing advisory fee
Get a discount of 0.10% off the 0.35% advisory fee, , for Intuitive Investor® from Wells Fargo Advisors. You’ll get a low cost, professionally designed portfolio powered by automated investing technology. Intuitive Investor.
Waived Wells Fargo Advisors annual account fees
The Wells Fargo Advisors annual account fee is waived, for Premier Checking Customers. Personalized investment planning and advice, starting with a goal-based approach, we tailor an investment mix to fit your needs and risk tolerance. Wells Fargo Advisors.
- 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
Investment 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.
Intuitive Investor® accounts are offered through WFCS.
Premier Checking is an interest-bearing account
Earn a Relationship Interest Rate on your eligible Wells Fargo CD and savings accounts when linked to your Premier Checking,
Wells Fargo Premier Checking interest rates
Current interest rates
Balance | Standard Interest Rate | Annual Percentage Yield (APY) |
---|---|---|
$0 - $99,999.99 | 0.25% | 0.25% |
$100,000 or more | 0.50% | 0.50% |
The Annual Percentage Yield (APY) 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 (366 in a leap year).
Premier Checking fees and details
Monthly service fee |
$35 monthly service fee can be avoided with $250,000 or more in statement-ending qualifying balances in your linked accounts For balances below $250,000 consider a Wells Fargo Prime Checking account.
|
---|---|
Minimum balance | No minimum daily balance required |
Minimum to open | $25 minimum opening deposit |
Overdraft services | Wells Fargo offers convenient ways to help you stay on top of your account and keep track of your balance to avoid overdrafts. |
Other fees | Quick view of account fees |
Age requirements to open | Must be 18 or older (19 in AL)
See what you'll need |
How to upgrade a current Wells Fargo checking account | Same account number – no changes to Bill Pay, statements or tax documents. Contact your personal banker to get started: 1-800-742-4932 |
How to open a Premier Checking account | Open now |
Do more with the Wells Fargo Mobile® app and Premier Checking
4.8/5 Stars on the App Store and 4.8/5 Stars on Google Play as of July 14th 2023
Mobile deposit
Skip the lines and deposit checks right from your smartphone
Digital wallet
Add debit and credit cards to your mobile device to tap and pay
Zelle®
Send and receive money in minutes
Bill Pay
Pay bills from nearly anywhere
Biometric authentication
Sign on to the mobile app with your fingerprint or face
Card control
Turn credit and debit cards on or off
Screen image is simulated.
Plus all the features of a Wells Fargo checking account
Online banking with all the banking tools you need
Contactless debit card for fast, secure payments and Wells Fargo ATM access
Approximately 11,000 Wells Fargo ATMs to help you bank locally and on the go
24/7 fraud monitoring plus Zero Liability protection
Combine accounts and investments
Avoid the $35 monthly service fee with $250,000 or more in statement-ending qualifying balances in your linked Wells Fargo consumer deposit accounts and investment accounts.
Deposit account balances include:
- Checking
- Savings
- CDs (time accounts)
- FDIC-insured IRAs
Investment account balances include:
- Brokerage available through our brokerage affiliate Wells Fargo Advisors,
- Applicable bank fiduciary and custody accounts
- 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
Investment 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.
Premier Checking FAQs
How do I open an account?
- Visit a Wells Fargo branch near you.
How do I upgrade an existing Wells Fargo account?
No need to change your account number. You'll just need to connect to a banker to get started. Contact us at 1-800-742-4932.
How do I access my Wells Fargo accounts online?
Enroll in Wells Fargo Online from your desktop or mobile device for secure online access to your accounts. Once you've enrolled, you'll receive an email confirmation, and you'll be ready to sign on and manage your accounts.
See more Banking FAQs
Already a Wells Fargo checking customer?
Upgrade your Wells Fargo checking account
No need to change your account number. You'll just need to connect to a banker to get started. Contact us at 1-800-742-4932.