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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.

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

No. There's no 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 by the Bank 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 to business accounts 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. This is also called a “bounced check.” We do not assess returned item/non-sufficient funds (NSF) fees on consumer accounts. However, third parties or other banks may assess fees for returned transactions.

What is a cashed/deposited Item returned unpaid fee?

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 or did not have enough money to cover the item, your account is charged a Cashed/Deposited Item Returned Unpaid fee. This is different from a returned item/non-sufficient funds (NSF) fee.

What is an Overdraft Protection transfer or advance fee?

An Overdraft Protection transfer or advance fee is the fee assessed when your account linked for Overdraft Protection transfers or advances funds to cover transactions on your checking account. A single Overdraft Protection transfer or advance fee is assessed to business accounts each day an Overdraft Protection transfer or advance is made. Overdraft Protection transfer and advance fees do not apply to consumer accounts enrolled in Overdraft Protection; however, advances from linked credit accounts accrue interest from the date of each advance.

We will not charge the applicable 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 business checking account for Overdraft Protection.

Transfers from a Savings Account to a Business Checking Account

$12.50
Advances from a Credit Card or Line of Credit to a Business Checking Account

See your Credit Agreement