Fees Questions

Is there a charge to use Bill Pay?

Most of our customers qualify for free Bill Pay. There's no monthly service fee when you meet either of the following requirements:

  • Have an eligible checking account, or
  • Keep a minimum balance of $5,000 in qualifying accounts at all times

See a list of eligible and qualifying accounts.

Even if you're not eligible for the monthly service fee waiver, you can still try Bill Pay for free for the first two months. After that, Bill Pay is $3 per month (includes up to 25 payments per month; each additional payment costs $0.40). The monthly service fee will be assessed starting in the first month of use after the free trial period. Charges may apply for same-day payments. Account fees (e.g. monthly service fees, overdraft fees, and excessive usage fees) may apply to the Bill Pay funding account - refer to your account agreement for more information.

Credit card customers

Regardless of whether or not you pay the monthly service fee, if you choose to use your eligible Wells Fargo credit card to fund any Bill Pay payments, interest and fees will apply to each of the transactions. There is no grace period for these transactions. Periodic interest will begin to accrue on the date your Bill Pay payment is sent, at the periodic rate for purchases stated in your Customer Agreement and Disclosure Statement. Wells Fargo Rewards® program points will not be earned for Bill Pay payments.

Is there a charge to access my accounts online?

There is no monthly or per transaction fee for accessing your account information or initiating transfers on the internet during your secure Wells Fargo Online session. However, if you choose to bank online with Quicken®, there is a monthly fee of $3 for unlimited access and transfers. Read our Quicken frequently asked questions for more details.

What is the fee for calling customer service?

There are no fees for calling customer service. You can access your accounts and conduct most of your banking business using our automated Telephone Banking Service, or speak with a Phone Banker for assistance anytime.

What are the non-Wells Fargo ATM fees?

You can make withdrawals without a fee at any of our ATMs. If you use an ATM that is not Wells Fargo’s, a fee may apply.

Fees vary by type of account. Typical fees for transactions at non-Wells Fargo ATMs are:

  • Non-Wells Fargo ATM Withdrawal Transaction fee*:
    • U.S.: $2.50
    • International: $5
  • Balance Inquiry fee: $2.00
  • Transfer fee: $2.00
  • Other fees: Owners and operators of non-Wells Fargo ATMs may charge a fee in addition to those described above. Surcharge fees are waived (up to five per statement cycle for International ATMs and unlimited for ATMs in the U.S.) for customers who have more than $250,000 in qualifying relationship balances in their PMA Package.

*Customers with a Wells Fargo PMA® Package will receive a total of up to two (2) free non-Wells Fargo ATM withdrawal transactions (combined U.S. and International) per statement cycle; fee waived if PMA qualifying balance is at least $250,000.

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).

Why was I charged a fee for my PMA® Package?

The PMA Package is free of the $30 monthly service fee for each month that one of the requirements in statement-ending balances is met:

  • $25,000 or more in qualifying linked bank deposit accounts (checking, savings, CD, FDIC-insured IRAs) OR
  • $50,000 or more in any combination of qualifying linked banking, brokerage (available through Wells Fargo Advisors, LLC) and credit balances (including 10% of mortgage balances, certain mortgages not eligible). Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

More about PMA Package

  • To help you keep track of the balance in your qualifying accounts, you may find it helpful to view all your accounts online. Please call us at the number below for assistance with linking your accounts.
  • If you think your combined balance may continue to fall below the minimum combined balance requirement for the monthly service fee waiver, please call us to discuss other account options that may be better suited to your needs.
  • Product Specialists are available to assist you 24 hours a day, 7 days a week, at 1-800-742-4932.

Please refer to your Consumer Account Fee And Information Schedule for additional information about the PMA Package. If you wish to speak to a banker about the PMA Package, please call the Premier Banking Team at 1-800-742-4932.

Investment and Insurance Products:

  • Are Not insured by the FDIC or any other federal government agency
  • Are Not deposits of or guaranteed by the Bank or any Bank affiliate
  • MAY Lose Value

Investment products and brokerage services, including WellsTrade® accounts, are available through Wells Fargo Advisors, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.

Annuities and Life Insurance products are available through Wells Fargo Advisors, LLC (California license #OD26865) or its affiliated agencies.

What is an overdraft fee or returned item fee?

Overdraft is a term used to indicate 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, thereby creating an Overdraft (or negative balance) in your account. An Overdraft fee will apply.

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 fee will apply.

What is the $1 charge that appears in my online Account Activity?

There are common reasons that a $1 charge may appear in your online Account Activity:

  • Debit Card 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 charged to your account, the $1 test charge is removed.
  • ATM Statement Fee. There may be a $1 fee when you request a statement at the ATM.

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 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.

What is an Excess Activity Fee?


An Excess Activity Fee occurs when you exceed the federal regulatory limits on savings account transactions. Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to a maximum combined total of six (6) per month or monthly statement period, including:

  • Transfers via telephone
  • Transfers via Online Banking (including Bill Pay)
  • Automatic Transfers for Overdraft coverage to your checking account
  • Pre-authorized transfers and withdrawals from your account (including automatic and wire transfers)
  • Checks, drafts, or similar other withdrawals payable to third parties (counted when they are posted to your account and not when they are written)
  • Debit Card or ATM Card purchases that post to your savings account

An Excess Activity Fee may apply for each transaction that exceeds the limit stated above. If the Bank determines that you are exceeding the limit described above on more than an occasional basis, the Bank will, at its option, either close your savings account and transfer the funds on deposit in your account to another account that you are eligible to maintain, or terminate your right to make transfers and write Items against your savings account. For details, or to see if there is a Wells Fargo account that may better meet your banking needs, please call 1-800-TO-WELLS (1-800-869-3557).

Investment products and brokerage services are available through Wells Fargo Advisors, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.

Overdrafts and Overdraft Protection

How do I set up Overdraft Protection?

You can link your Checking Account to an eligible account by requesting Overdraft Protection online (or by clicking the Add/Change Overdraft Services link on the Account Services page if you’re already signed on). Your accounts that are eligible to provide Overdraft Protection will appear on the Add/Change Overdraft Protection page.

Which accounts are eligible for Overdraft Protection?

Your accounts that are eligible to provide Overdraft Protection for your checking account will appear on the Add Change Overdraft Protection screen. You can request Overdraft Protection online (or click the Add Change Overdraft Protection link on the Account Services page if you’re already signed on).

  • You can link most Wells Fargo checking accounts to a Wells Fargo Credit Card
  • Some checking accounts can be linked to an eligible Wells Fargo line of credit or savings account.1

Please refer to your Consumer Account Fee And Information Schedule for additional information regarding the accounts that are eligible to provide Overdraft Protection for your checking account. If you prefer to speak with a banker, please call us at 1-800-TO-WELLS (1-800-869-3557). PMA customers may call the Premier Banking Team at 1-800-742-4932.

1 Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to a maximum combined total of six (6) per month or monthly statement period, including:

  • Transfers via telephone
  • Transfers via Online Banking (including Bill Pay)
  • Automatic Transfers for Overdraft coverage to your checking account
  • Pre-authorized transfers and withdrawals from your account (including automatic and wire transfers)
  • Checks, drafts, or similar other withdrawals payable to third parties (counted when they are posted to your account and not when they are written)
  • Debit Card or ATM Card purchases that post to your savings account

An Excess Activity Fee may apply for each transaction that exceeds the limit stated above. If the Bank determines that you are exceeding the limit described above on more than an occasional basis, the Bank will, at its option, either close your savings account and transfer the funds on deposit in your account to another account that you are eligible to maintain, or terminate your right to make transfers and write Items against your savings account. For details, or to see if there is a Wells Fargo account that may better meet your banking needs, please call 1-800-TO-WELLS (1-800-869-3557).

What is the fee for using Overdraft Protection?

When there are insufficient funds in your account to cover a check, withdrawal, or automatic payment that you have authorized, and you have Overdraft Protection, we pay the Item and charge you an overdraft protection transfer/advance fee.

The overdraft protection transfer/advance fee depends on which account you have linked to your Checking Account for Overdraft Protection.

Optional overdraft protection allows Wells Fargo to transfer funds from your linked account to prevent your checking account from being overdrawn. A single transfer fee will apply for each day an overdraft protection transfer is made.  You should carefully consider which account to use for overdraft protection because the fee for overdraft protection transfers depends on the type of account used for the transfer:

Credit Card

$12.50 or $20, depending on amount of advance. Click here for credit card terms and conditions, or see more credit card options.

Linked Savings Account

$12.50

Linked Home Equity

Line of Credit (HELOC)

$12.50 (fee applied to checking account)
For linked HELOCs, a minimum of $300 will be advanced to cover the overdraft. For linked HELOCs and credit cards, interest will accrue from the date each advance is made.