Easy, Convenient, Digital. Everyday Checking is ideal for students banking on campus, off campus, or on the go.
Bank anytime with the Wells Fargo Mobile® app – check your balance, set up alerts, securely turn your debit card on or off, and send and receive money in minutes. Plus, get access to more than 13,000 ATMs.
Best of all, we waive the monthly service fee for 17-24 year old primary owners.
If you're looking for an account with no overdraft or non-sufficient funds fees, check out Clear Access Banking.
If you're under 18, visit a Wells Fargo branch near you to open an account.
For more on fees and requirements, please see Get Started section below.
We make banking easy
Wells Fargo Mobile®
Pay bills, send money, and check your balance on smartphone or tablet using the Wells Fargo Mobile® app.
Send and receive money
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.
Zero Liability protection
Unauthorized debit card purchases or ATM transactions will be reimbursed if you report them promptly
24/7 fraud monitoring
We’ll work to contact you if we find unusual account activity, based on your normal transaction patterns.
Chip technology
The chip on your debit or credit card generates a unique security code for added security against fraud.
Get Started
Minimum opening deposit:
$25 initial deposit
Monthly service fee:
$10 - waived for 17-24 year old primary owners.
25 and above? It’s easy to avoid the $10 monthly service fee with any one of these options each fee period:
- 10 or more posted debit card transactions (any combination of posted debit card purchases or posted debit card payments of bills) from this checking account – effective with the fee period beginning after October 8, 2020, this will no longer be an option to avoid the monthly service fee
- Qualifying direct deposits totaling $500 or more
- $1,500 minimum daily balance – effective with the fee period beginning after October 8, 2020, this option will be lowered to a $500 minimum daily balance
- A linked Wells Fargo Campus ATM or Campus Debit Card
See the common fees for this account (PDF).
Additional services to meet your needs
We offer alerts, as well as tools and services that can help manage your account balance, avoid overdrafts and prevent returned or declined transactions. Learn more about overdraft services.
We recommend adding a Wells Fargo Way2Save® Savings account. You can build your savings and choose to link it to your checking account for optional Overdraft Protection.
Help people affected by disasters. Use Zelle® to donate, to the American Red Cross right from your mobile app.
Learn more
Sign up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions; transactions using other cards linked to your deposit account; or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the debit card will also be turned off. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
Enrollment with Zelle through Wells Fargo Online® is required. Terms and conditions apply. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Available to almost anyone with a U.S.-based bank account. For your protection, Zelle should only be used for sending money to friends, family, or others you know and trust. Sending money with Zelle is similar to making a payment in cash. Your mobile carrier’s message and data rates may apply. The Request feature within Zelle is only available through Wells Fargo using a smartphone. In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. For more information, view the Zelle® Transfer Service Addendum to Wells Fargo’s Online Access Agreement.
With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. Please see your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions.
10 or more posted debit card transactions (any combination of posted debit card purchases or posted debit card payments of bills) from this checking account each fee period.
- Included: Debit card purchases made using PIN, signature, online, phone, or mobile wallet. Debit card payments include one-time or recurring payments of bills with your debit card.
- Not Included: Any transaction at an ATM (Wells Fargo or non-Wells Fargo). Automated Clearing House (ACH) transactions. ACH transactions are set up using your checking account number and routing number – NOT a debit card number.
Debit card purchases and debit card payments must post during the fee period to be counted toward the total of 10 or more. The dates of your fee period are located in the “Monthly service fee summary” section on your statement. Transactions received after the applicable cutoff time or on a non-business day (Saturday, Sunday and federal holidays) are posted on the next business day.
A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited through the Automated Clearing House (ACH) network to this checking account by your employer or an outside agency. Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM do not qualify as a direct deposit.
Wells Fargo Campus ATM and Campus Debit Cards are available for students, faculty and staff of colleges and universities that participate in the Wells Fargo Campus CardSM program. Ask a banker for additional details about participating colleges and universities. Your checking account will receive a monthly service fee waiver within 45 days of linking your Campus Card to that account.
Subject to an applicable Overdraft Protection transfer fee. These transfers from a savings account count towards the Regulation D and Wells Fargo combined total limit of 6 transfers and withdrawals per monthly fee period. If the limit is exceeded, an excess activity fee for each transfer or withdrawal over the limit will be assessed. If the limit is exceeded on more than an occasional basis, your savings account could be converted to a checking account or closed.
Donations@redcross.org is eligible for the send function only; it cannot be used to request money. Zelle may be used to send direct donations only to American Red Cross Disaster Relief. Donations to other charitable organizations are not available at this time.
Zelle, Wells Fargo, and the American Red Cross are not liable for any failure, through no fault of theirs, to complete your transaction in the correct amount, or for any related losses.
The American Red Cross name, emblem, and copyrighted materials are being used with its permission, which in no way constitutes an endorsement, express or implied, of any product, service, company, opinion, or political position. The American Red Cross logo is a registered trademark owned by The American National Red Cross. For more information about the American Red Cross, please visit redcross.org.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Wells Fargo Bank, N.A. Member FDIC.
Sign On
Tips