University of Northern Colorado - UNC Card

Make the most of your UNC Card

It's an optional Wells Fargo Campus ATM Card when linked to a Wells Fargo checking account

 COVID-19 Alert 

Due to COVID-19, availability of on-campus school offices and Wells Fargo branches may have changed; check your school site or wellsfargo.com/locator before visiting. Learn more.

Link your UNC Card to a Wells Fargo checking account

University of Northern Colorado and Wells Fargo have teamed up to offer you optional banking convenience with your UNC Card. Use it as your official student ID, for campus privileges, and for your day-to-day financial needs on and off campus when it’s linked to a Wells Fargo checking account, with two account options ideal for students. Enjoy no-fee access to Wells Fargo ATMs nationwide, including the Wells Fargo ATMs on campus. Make purchases using your Personal Identification Number (PIN) with your linked UNC Card. Take advantage of this optional benefit today.

Enjoy banking convenience when you choose to link your UNC Card to a Clear Access BankingSM or Everyday Checking account. Plus, for students linking their UNC Card to an Everyday Checking account, you'll receive additional benefits that include:

  • Waived monthly service fee.
  • No Wells Fargo fees for up to four cash withdrawals per monthly fee period from non-Wells Fargo ATMs in the U.S.,
  • All Overdraft Protection transfer fees from a linked savings account waived for accounts enrolled in Overdraft Protection services.
  • Receive a courtesy refund on one overdraft/non-sufficient funds fee incurred each calendar month.,
  • Receive a courtesy refund on one incoming domestic or international wire fee each calendar month.

Access to additional services such as:

  • The Wells Fargo Mobile® app to check account activity, deposit checks, transfer funds, pay bills, send money with your smartphone, and set up push notifications, text, or email alerts.
  • Helpful online financial educational resources and money management tools.

Linking your UNC Card

  • Getting Your Card: Visit the UNC Card Office site for instructions on receiving your UNC Card.
  • Once you have your card, you can link it to an existing Wells Fargo checking account or open a new account by speaking with a banker at a Wells Fargo branch (Operating hours and availability will be noted). The closest branch to your campus is:
    • University Center; 2045 10th Avenue

Additional protection features

Your linked UNC Card also comes with Zero Liability protection at no extra cost, which means you will be reimbursed for any promptly reported unauthorized card transactions.

Choose between two account options ideal for teens and students.

Easy, convenient, digital. Both Clear Access BankingSM and Everyday Checking accounts come with the Wells Fargo Mobile® app – check your account balances, set up alerts, securely turn your debit card on or off, and send and receive money in minutes using Zelle®. Plus, with both accounts you get access to more than 13,000 Wells Fargo ATMs. Link your Campus Card to the account that best suits your needs. To learn about exclusive benefits when you link your Campus Card to an Everyday Checking account, go to the My Card tab.

Clear Access Banking

Best for

  • 13 to 24 year olds
  • Teens, high school and college students
  • Monthly service fee: $5 – waived for primary account owners 13 to 24 years old
  • No check writing ability
  • No overdraft or non-sufficient funds (NSF) fees


Must be 18 years or older (19 in AL) to open this account online. Teens 13 to 16 need an adult co-owner. Teens 13 to 17 (18 in AL) years old must open an account at a branch – see what you'll need

$25 minimum opening deposit required.

See common fees (PDF).

Learn more about Clear Access Banking.

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Everyday Checking

Best for

  • 17 to 24 year olds
  • College students
  • Monthly service fee: $10 – waived for primary account owners 17 to 24 years old
  • Ability to write checks
  • Added benefits with a linked Campus Card


Must be 18 years or older (19 in AL) to open this account online. Teens 17 years old (18 and under in AL) must open an account at a branch – see what you'll need

$25 minimum opening deposit required.

Ways to avoid the monthly service fee each fee period

  • $500 minimum daily balance
  • $500 or more in total qualifying direct deposits
  • Linked to a Wells Fargo Campus ATM or Campus Debit Card
  • The primary account owner is 17 through 24 years old

See common fees (PDF).

Learn more about Everyday Checking.

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Reporting your lost or stolen linked UNC Card

Contact your school

  • You must notify the UNC Card Office located in the University Center immediately if your UNC Card is lost or stolen.
  • Report your missing card by visiting the UNC Card Office during office hours or by calling 970-351-2821
  • To get a replacement card, please visit the UNC Card Office.

Contact Wells Fargo

If your card is linked to a Wells Fargo account, immediately contact Wells Fargo 24/7 at 1-800-TO-WELLS (1-800-869-3557). ​We accept all relay calls, including 711.

Link your new card

Once you have your new card, speak to a Wells Fargo banker to have it linked to your checking account.

Wells Fargo Mobile®

Bank virtually anytime, almost anywhere on your smartphone or tablet. Manage your account, make deposits, check balances, and send and receive money on the go.

Learn More

Account Alerts

Set up text and email alerts to notify you about activity that's important to you, such as a low account balance or when a direct deposit is available in your account.

Explore account alerts

Budget and Savings Tools

Use our helpful tools to start tracking your purchases and payments, create savings goals, and develop healthy money habits to last a lifetime.

Explore My Money Map

Financial Education

Find valuable tools and tips for building good money habits to help you spend and save wisely. Get advice and insights on managing your money, including the benefits of budgeting and how to manage expenses.