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Fees Questions

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: Wells Fargo Presents - Making Sense of Overdrafts

Even the most careful people might have experienced an overdraft. In the simplest terms, an overdraft happens when you spend more money than you have available in your account.

For example, let’s say you’ve set up an automatic payment for your car loan so it’s deducted from your checking account each month. You know it’s going to happen, but it slips your mind. After all, life gets busy. You buy groceries, gas up your car, and pay your cell phone bill.

Well, if you don’t have enough money in your account on the day the car loan payment is due, one of two things can happen:

First, the bank can return your car payment unpaid. If this happens, the loan company may apply late fees. This may affect your credit history.

Or, at our discretion, we may pay your car loan payment into overdraft. In this case your car payment will be made on time, and you'll avoid late payment fees. But this will result in an overdraft on your account, and an overdraft fee.

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

First, keep track of all your transactions, including checks you’ve written that haven’t cleared, automatic payments – like your car loan payment – and every day debit card transactions.

You should also take advantage of the free tools that come with your account to keep track of spending.

Send us a text or use the Wells Fargo Mobile® app to check your available balance or transfer money between accounts when you’re on the go.

If you’re an online banking customer, enroll in balance alerts to receive a text or email when your available balance drops below an amount that you specify.

Finally, considering enrolling in overdraft protection as a back-up plan. You can link other Wells Fargo accounts, like your savings and credit card, to your checking account, and we'll transfer available funds when money is needed in your checking account to pay your transactions. Transfer or advance fees apply, but it may help you avoid more expensive fees.

No one plans on an overdraft, but by using the tools that come with your account, you can plan on avoiding one.

Have more questions about this? Or any other banking topic? Stop by your local Wells Fargo for a conversation with your neighborhood banker.

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.