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Premier Checking – Quick view of account fees

This summary describes some of the most common fees that may apply to your Premier Checking account.

Premier Checking provides an interest-bearing account with a higher level of banking relationship benefits and perks.

  1. 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.
  2. Certain brokerage accounts are not eligible.
  3. Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
  4. If the annuity becomes annuitized, or a periodic payment schedule has been established, the remaining balance will no longer be eligible for qualification.
  5. When the amount of the fee charged by the non-Wells Fargo ATM operator is not provided to Wells Fargo, Premier Checking customers will receive a $4.00 reimbursement per cash withdrawal.
  6. Outstanding Cashier's checks and Money Orders are subject to state or territorial unclaimed property laws.
  7. If the cashier’s check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier’s check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo’s approved insurance carrier or through an insurance carrier of the customer’s choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier’s underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.
  8. Fees may be charged by third parties or other banks, in addition to those described above.
  9. Whether or not fees are waived, we make money when we convert one currency to another currency for you. The exchange rate used when we convert one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate we provide to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. We’re your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.
  10. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the "Applicable Exchange Rate" section of the Deposit Account Agreement.

Debit Card Overdraft Service: your choice

You choose how Wells Fargo handles ATM and everyday (one-time) debit card transactions when you don't have enough money in your checking account or accounts linked for Overdraft Protection at the time of the transaction.

* With or without Debit Card Overdraft Service, the Bank may pay other transactions such as checks and recurring debit card transactions into overdraft at our discretion and our standard overdraft fees and policies will apply.

How we make funds available and process transactions

When you make a deposit on a business day prior to the posted cutoff time at a branch, Wells Fargo ATM, or using our mobile app, it will be considered received that day. If you miss the cutoff time, it will be considered received on the next business day.

When funds are available

We post transactions each business day in this order

CNS2022PR (Effective 7/25/2023)

Questions? We’re here for you

Phone 1-800-869-3557

We accept all relay calls, including 711.

Detailed fee and account information

Visit Consumer Account Disclosures for documents including:

  • Deposit Account Agreement
  • Consumer Account Fee and Information Schedule

Premier Checking

View details and open an account