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Fees Questions

For additional information about fees specific to your account, see the Consumer Account Fee and Information Schedule or the Business Account Fee and Information Schedule as applicable.

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

An overdraft fee is assessed when an item such as a check, debit card purchase, or other transaction presented for payment is paid by the Bank even though the available balance in your deposit account is less than the amount of the item. If an item is returned unpaid, we do not charge a fee, however, the payee or merchant may charge fees for returned items.

If you cash or deposit an item into your account, and it is returned to the Bank for any reason, such as if the account it was drawn on did not have enough money to cover the item, your account will not be charged a fee.

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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). We charge no more than three overdraft fees per business day for Consumer accounts and no more than four overdraft fees per business day for Business accounts. Overdraft fees are not applicable to Clear Access Banking accounts.

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.

Wells Fargo Bank, N.A. Member FDIC.

QSR-07182025-6254269.1.1

LRC-0124