Fees Questions – Wells Fargo

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For additional fee information, also see Consumer Account Fee and Information Schedule or the Business Account Fee and Information Schedule as applicable.

Is there a charge to access my accounts through Wells Fargo Online®?

No. There's no monthly fee for accessing your accounts online.

What is an overdraft fee or a returned item/non-sufficient funds (NSF) fee?

An overdraft fee is assessed when an item such as a check, debit card purchase, or other transaction presented for payment is paid even though the available balance in your deposit account is less than the amount of the item.

A returned item/non-sufficient funds (NSF) fee is assessed when an item such as a check or other transaction presented for payment is returned unpaid because the available balance in your deposit account is less than the amount of the Item. Also called a “bounced check.” For Wells Fargo fees specific to your account, please refer to your "Consumer Account Fee and Information Schedule" or call us at 1-800-TO-WELLS (1-800-869-3557).

Transcript: Making Sense of Overdrafts

Making Sense of Overdrafts

Sometimes overdrafts happen, even when you closely monitor your money.

Maybe you've set up an automatic payment to be deducted from your checking account each month. Or wrote a check that didn't clear right away. You know it's going to happen, but it slips your mind. After all, life gets busy.

You use your debit card to buy groceries, or gas. Or pay some bills.

And on the day the payment is withdrawn or the check clears, you don’t have enough money in your account to cover it. And you're left with a negative balance.

Now, one of two things can happen.

The first is Wells Fargo can return your payment unpaid. The payee may apply late fees, and we may charge you a non-sufficient funds fee. Plus, late payments can affect your credit history.

Or, at our discretion, we may pay your payment into overdraft. Your payment might be on time, but this will result in an overdraft on your account, and an overdraft fee may be charged.

We've got some tips to help you avoid overdrafts and returned transactions.

Use your account's tools to track when money comes in and out. Try to time payments to be after paydays, or when you'll expect to see money in your account. Set up Direct Deposit so your payroll or benefit checks are automatically deposited.

Get in the habit of checking your account regularly. It’s easy with online banking and our mobile app. You can check your available balance or transfer money between accounts when you're on the go. But it’s important to remember that your available balance includes only the transactions Wells Fargo knows about, so it's important to keep track of anything that's pending or hasn't posted to your account yet.

Set up low balance alerts to notify you by email, text message or push notification when your account balance reaches an amount you specify.

Finally, consider enrolling in Overdraft Protection as a back-up plan.

When you link your Wells Fargo savings or credit card account to your checking account, we'll transfer or advance available funds to cover any shortfalls. Transfer or advance fees may apply, but it may help you avoid more expensive fees.

Sure, no one plans on an overdraft, but these tips can help you avoid one.

Copyright 2020 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); our fee for returning items for non-sufficient funds is $35 per item. We charge no more than three overdraft and/or non-sufficient funds (NSF) fees per business day for Consumer accounts and eight per business day for Business accounts. Overdraft and/or non-sufficient funds (NSF) fees are not applicable to Clear Access BankingSM accounts. The overdraft and/or non-sufficient funds (NSF) fee for Wells Fargo Teen CheckingSM accounts is $15 per item and we will charge no more than two fees per business day.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

Transfer or advance fees apply to Overdraft Protection.

Overdraft Protection is not available for Clear Access BankingSM accounts.

When using low balance alerts to keep track of your account balance, sign up may be required, and availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates apply.

What does returned item mean?

Returned item is a term used to indicate when an item such as a check or other transaction presented for payment is returned unpaid because the available balance in your deposit account is less than the amount of the item. Also called a “bounced check.” A returned item/non-sufficient funds (NSF) fee will apply.

If you cash or deposit an item into your account, and it is returned to the Bank because the account it was drawn on did not have enough money to cover the item, your account is charged a Cashed/Deposited Item Returned Unpaid fee.

For Wells Fargo fees specific to your account, please refer to your "Consumer Account Fee and Information Schedule" or call us at 1-800-TO-WELLS (1-800-869-3557).

What is the fee for using Overdraft Protection?

Overdraft Protection allows Wells Fargo to transfer money from an eligible linked savings account or advance money from an eligible linked credit account if there is not enough money in the checking account to cover transactions.

We will not charge a fee unless the transfer/advance covered at least one pending item, or helped you avoid at least one overdraft or returned item. The transfer/advance fee depends on the account type you have linked to your checking account for Overdraft Protection. We will charge the transfer/ advance fee to your checking account when we transfer/advance funds from your savings or home equity line of credit account. If we advance funds from your credit card, we will charge the fee to your credit card.

Savings Account

$12.50
Credit Card

See your Credit Card Agreement. Click here for credit card terms and conditions, or see more credit card options.

Line of Credit Account  
$12.50 per advance

Home equity line of credit
account linked to Wells Fargo
Portfolio Checking

 No Charge

What is the $1 transaction that sometimes appears in my online Account Activity?

Sometimes merchants perform a test charge to verify your account before authorizing a debit card purchase. These charges are usually for a nominal amount such as $1. Once the actual purchase is deducted from your account, the $1 test transaction is removed.