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Benefits that matter
Prime Checking includes benefits that allow you to save on transactions and get more for your money where it matters most.
Earn interest while saving
Get a Relationship Interest Rate on eligible linked CDs and savings accounts,
Avoid fees for common services
Pay no fees for select banking services, such as incoming wire transfers,,
Get interest rate discounts on select new loans
Save with a relationship discount
ATM fee waivers
We waive our fees and reimburse some or all fees charged by non-Wells Fargo ATMs.,
Prime Checking benefits
Relationship Interest Rates, ATM fee waivers, and discounted banking services,
Relationship benefits
- Interest rate discounts on select new loans
- Relationship Interest Rate for eligible linked savings accounts and CDs,
- Waived fees on linked accounts - monthly service fees waived on certain linked checking and savings accounts
ATM fee waivers
- No Wells Fargo ATM fee for cash withdrawals, balance inquiries, or funds transfers at any ATM (Fees charged by non-Wells Fargo ATM operator or network may apply),
- Reimbursed fee charges from non-Wells Fargo ATM – 1 U.S. and 1 international reimbursed per fee period,
Banking discounts
- No fee for incoming wire transfers,, (normally $15)
- No fee for cashier's checks or money orders
- 1% 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
Earn interest with Prime Checking
Wells Fargo Prime Checking interest rates
Current interest rates
| Balance | Standard Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $0 or more | 0.01% | 0.01% |
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).
Prime Checking fees and details
| Monthly service fee |
$25 monthly service fee can be avoided with $20,000 or more in statement-ending qualifying balances in your linked accounts. For balances above $250,000, consider a Wells Fargo Premier Checking account with our premier level of relationship banking benefits.
|
|---|---|
| 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 switch a current Wells Fargo checking account | No need to change your account number, contact your personal banker to get started: 1-800-869-3557 |
| How to open a Prime Checking account | Open now
Make an appointment at a branch |
Do more with the Wells Fargo Mobile® app and Prime Checking
4.9/5 Stars on the App Store and 4.8/5 Stars on Google Play as of March 5, 2024
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.
Along with 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
From Wells Fargo Advisors
Automated investing plus personal guidance
Get a discount of 0.05% off the 0.35% advisory fee,, for Intuitive Investor® from Wells Fargo Advisors. You'll get a diversified portfolio, combining tech-enabled investing with the help you need, when you need it.
- 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. WellsTrade investment accounts and Wells Fargo Advisors Intuitive Investor investment accounts are offered through WFCS.
The right guidance can help you make your goals a reality
Wells Fargo can connect you to professionals who will work with you to help build a customized plan for the future you want. Your financial professional can offer personalized guidance based on your specific needs and goals.
Combine accounts and investments
Avoid the $25 monthly service fee with $20,000 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.
Prime Checking FAQs
How do I open an account?
You can apply online or in person:
- In just minutes you can apply through Wells Fargo Online® for a Prime Checking account.
Or visit a Wells Fargo branch near you.
Is there a way to avoid monthly service fees?
You can avoid the $25 monthly service fee with $20,000 or more in statement-ending qualifying balances in your linked accounts.
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?
Switch 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 1-800-869-3557.
