When two accounts work together

The GreenhouseSM app and two accounts work hand in hand to help you stay on track.

How does it work?


Let’s say you want to go to dinner with friends but you’re not sure you have enough money considering upcoming bills and that’s when things start to feel fuzzy and a little off track.Introducing Greenhouse by Wells Fargo. Greenhouse is an easy to use app that takes the guesswork out of spending. A digital bank in the palm of your hand that puts you in control of your money. Greenhouse comes with two accounts, a set aside account for bills and a spending account for everyday spending. Bill money is separate from spending money. You deposit money in your set aside account. There, you set money aside to pay your bills which you can manage all in one place. You get reminders when due dates are coming up and pay your bills right in the app. You also decide how much money to put in your other account, your spending account. It’s linked to a debit card that you can use for your day to day spending anywhere Visa debit cards are accepted. Greenhouse even makes it easy to set a weekly spending limit for yourself, if you like. So you can control exactly how much you spend. What’s more, there are no overdraft fees. Since Greenhouse helps keep your money for your bills separate from your spending money, you can take charge of your debit card spending. Plus, with Greenhouse, you get the benefits you expect from your bank. So whether it’s dinner with friends or something bigger, Greenhouse is with you every step of the way, helping you manage your money and stay on track. Get ready to meet your future financial self.

Two accounts

  • Your Set Aside Account is for bills, and for setting money aside for later. It’s where you deposit your money, and it’s where you set money aside to pay specific bills – right through the app.
  • Your Spending Account is for your day-to-day spending. It’s linked to a debit card, and you can even set a weekly spending limit if you like.

Debit card

  • You’ll get a debit card you can use just about anywhere Visa debit cards are accepted.
  • It’s linked to your Spending Account as the primary account for ATM access and purchases, and to your Set Aside Account as the secondary account for ATM access.

Also with the app

  • You’ll set up a Wells Fargo Online® username and password to use the Greenhouse app, and will be enrolled in online statements and Bill Pay (an easy way to pay one-time or recurring bills within the app).
  • You can use Zelle® to send money in minutes to friends and family with a U.S.-based bank account.1 For your protection, you should only use Zelle when sending money to people you know and trust.

What about fees?

It’s hard to plan for unexpected fees. We’ll help you avoid spending more than you have in your account – but if you do, there are no overdraft fees.2

Even better: we’re not charging a Greenhouse monthly service fee if you opened your accounts during the limited rollout period.3

For full fee information, see the Consumer Account Fee and Information Schedule and Consumer Account Agreement.