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Opening and Closing Accounts Questions


How do I open an account?

You can apply online or in person:

  • In just minutes you can apply through Wells Fargo Online® for a Checking or Savings Account, Credit Card or Loan.
  • Or visit a Wells Fargo branch near you.

How do I close a consumer deposit account?

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

Contact us to close your account:

You may request to close your account anytime. We can close most accounts immediately when:

  • The account has a positive or zero balance.
  • All deposits, outstanding and pending items are posted.

Are there conditions that may prevent closure?
Yes. When you request closure by phone or in person, we'll inform you if your account has a condition that prevents closure. These may include:

  • Transactions that are in progress, including Overdraft Protection transfers, that need to post.
  • Inactive accounts that need to be reactivated. Ask a Wells Fargo banker to reactivate your account. Or, you can sign on to Wells Fargo Online® to see if you have the option to reactivate your account online.
  • Prime Checking and Premier Checking accounts that need to process a statement; the statement will be finalized no later than the third business day of the month.
  • Legal or bank restrictions that need to be resolved.
  • Funds pledged for collateral or other purposes that need to be released.
  • Balance sweep feature needs to be removed.
  • Overdrawn accounts that need to be brought to a zero or positive balance.
  • This information may help you avoid additional transactions and fees:
    • If your account is enrolled in the optional Debit Card Overdraft Service, any account holder with transaction authority on the eligible checking account can remove the service by visiting a Wells Fargo ATM (select More Choices, Wells Fargo Services), through Online Banking, talking with a branch banker, or calling a phone banker at 1-800-TO-WELLS (1-800-869-3557). Business customers call 1-800-CALL-WELLS (1-800-225-5935).
    • 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, account 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. Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.
    • When checks and preauthorized 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. Overdraft fees may be assessed for items paid into overdraft. Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.

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 (such as bill payments and debit card payments) from your account need to be cancelled before your request to close; otherwise, they may be returned unpaid. The payee or merchant may charge fees for returned items.

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.