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Opening and Closing Accounts Questions

How do I open an account?

You can apply online, by phone, or in person:

How do I close a deposit account?

We appreciate your business, but if you need or want to close your account, the information provided will assist you in completing your request.

Step 1: Prepare your account for closure:

  • Your account must have a positive or zero balance.
  • All deposits, outstanding and pending items must be posted.

Step 2: Contact us to close your account:

Important Reminders:

  • Accounts with a zero balance will continue to be charged applicable fees (like the monthly service fee) until you request to close your account.
  • Any recurring payments or withdrawals from your account need to be cancelled before your request to close (examples include bill payments and debit card payments) otherwise, they may be returned unpaid.
  • Certain conditions on your account may prevent closure:
    • Inactive accounts need to be reactivated before they can be closed. Ask your banker to reactivate your account. Or you can sign on to Online Banking to see if you have the option to reactivate your account online.
    • Portfolio by Wells Fargo® Checking accounts need to process a statement at month end, the statement will be finalized no later than the third business day of the month.
    • Claims, disputes, legal or bank restrictions need to be resolved.
    • Funds pledged for collateral or other purposes need to be released.
  • Overdrawn accounts need to be brought back to zero or a positive balance. This information may help you avoid additional transactions and fees:
    • If your account is enrolled in the optional Debit Card Overdraft Service you can speak to a banker to unenroll.
    • Review your statements for automatic transactions and cancel them by contacting the merchant(s).
    • When you have a previously authorized transaction, such as ATM and debit card transactions, transfers, and Wells Fargo Online Bill Pay transactions, presented for payment and your account doesn’t have enough money, we will pay the item(s) into overdraft and an overdraft fee may be assessed.
    • When checks and checking account automatic payments (ACH) are presented for payment and your account doesn’t have enough money, we may pay the item(s) into overdraft or return the item(s) unpaid and overdraft or return item (Non-Sufficient Funds/NSF) fees may be assessed, which may prevent your account from closing as requested.

How do I close a CD (Time account)?

Please note: Early withdrawal penalties may apply if you make withdrawals or close a CD before the maturity date. In addition, the Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period. If you make a final transfer or withdrawal, you will have to wait until that item posts.

If you would like to close your Loan, Line of Credit, or other type of account, please call the appropriate customer service department listed on your statement or in this phone directory.

How do I move checking accounts from another bank to Wells Fargo?

We can help you every step of the way. To make the switch, you should:

  1. Apply for your new Wells Fargo account.
  2. Move your automatic payments and deposits, if applicable, to your new Wells Fargo account.
  3. Close your old account.

For detailed instructions and easy-to-use forms, learn more about your switch to Wells Fargo.