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Student and Teen Bank Accounts

Start your financial journey without the worry of fees

No monthly service fee charged for primary account owners based on age

Looking for a teen account?

For teens age 13 - 16, look no further than the Clear Access Banking account. Great for middle and high school students and parents who want a joint account with their teen.

If you're under 18, visit a branch to open a teen account with an adult co-owner – see what you'll need to bring

Make an appointment

Going to college? You have two choices for a student checking account, for those 17 or older

If you’re under 18, visit a branch to open an account.

Clear Access Banking

Best for

No $5 monthly service fee charged for

More ways to avoid the fee

Quick view of fees


  • No overdraft fees
  • Checkless checking account

Open with $25 minimum deposit

Open now

Clear Access Banking

Everyday Checking

Best for

No $10 monthly service fee charged for

More ways to avoid the fee

Quick view of fees


Open with $25 minimum deposit

Open now

Everyday Checking

video: Making college life a little easier

The Wells Fargo Campus CardSM Program

Made to make student life just a little easier. A convenient way to access your money on and off campus, plus exclusive benefits with a Campus Card linked to an eligible Wells Fargo checking account. Find out what’s available at participating colleges and universities.

Learn more about the Campus Card program and see if you’re attending a participating school.

Do more with the Wells Fargo Mobile® app

4.9/5 Stars on the App Store and 4.8/5 Stars on Google Play as of March 5, 2024


Send and receive money in minutes

Mobile deposit

Skip the lines and deposit checks right from your smartphone

Digital wallet

Add debit cards to your mobile device to tap and pay

Account alerts

Monitor account activity and balances

Card control

Turn debit cards on or off

Screen images simulated

Plus all the features of a Wells Fargo checking account

Approximately 11,000 Wells Fargo ATMs to help you bank locally and on the go

Online banking for account management and budgeting tools

Contactless debit card for fast, secure payments and Wells Fargo ATM access

24/7 fraud monitoring plus Zero Liability protection

Customize your banking experience

Student and Kids Savings Account

Open a Way2Save® Savings account and set up automatic transfers to help you reach your savings goals.

College Steps

Get key financial skills for student life with CollegeSTEPS®. Discover how to pay for school, manage your money, build credit, and more.

Budget Watch

Track spending, create budget goals, set up account alerts, and efficiently manage expenses online.

Your Scholarship Resource Center

Access billions of dollars in higher education funding plus the strategies and tools to successfully navigate them at

Helping students and our communities

Financial empowerment

Get College ReadySM with our planning guide

Find the tools to help you manage money, create a college budget, and learn about scholarships and financial aid.

Wells Fargo lifts students up

How we're helping our communities thrive

See our impact on issues that matter directly to high school students, college students and recent college graduates.

Checking FAQs

What do I need to open a checking account online?

Must be 18 or older to apply online.

You’ll need:

  • Your Social Security number
  • Valid ID (driver's license, state ID, Consular ID)
  • Current residential address
  • $25 opening deposit

17 and under must open at a branch (refer to checking account details for minimum age requirements to open). IDs required to open (plus co-applicant’s information if applicable).

How do I open a joint checking account?

Joint checking accounts must be opened at a branch.

Make an appointment.

You need the same information that is required to open an individual checking account, but you’ll need it for both applicants. IDs required to open.

Still have questions?

Make an Appointment

Make an appointment with a banker.

Find a Location

Find an ATM or banking location near you.

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For existing accountholders: