Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

Fees Questions

Is there a charge to use Bill Pay?

There's no monthly service fee to use Bill Pay.

Charges may apply for Wells Fargo Same Day Payments ServiceSM. Please refer to the Online Access Agreement for fees associated with our online services. Account fees (e.g. monthly service, overdraft) may apply to the Funding Account. For more information on the account fees, please refer to the account agreement you received when you opened your account.

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?

Regulation D and the Bank limit certain types of withdrawals and transfers from a savings or money market account to a combined total of six (6) per month or monthly statement period (exceptions to the statement period may apply).

Limited by Regulation D:

  • Transfers by phone using an automated banking service or speaking with a banker on the phone
  • Transfers or payments through online, mobile and text banking (including bill pay)
  • Transfers to a checking account for Overdraft Protection coverage
  • Pre-authorized transfers and withdrawals (including recurring and one time)
  • Payments to third parties such as checks, drafts, or similar transactions (counted when they are posted to the account and not when they are written)
  • Debit card or ATM card purchases that post to the savings account

Limited by the Bank:

  • Transfers and payments to Wells Fargo credit cards, lines of credit, and loans
  • Wire transfers whether made in person, on the telephone, or online

Not limited:
Except wire transfers, as described above, there is no limit on withdrawals or transfers made in person at an ATM or Wells Fargo banking location or on any types of deposits.

An excess activity fee may be assessed for transactions exceeding the limit stated above. If the limit is exceeded on more than an occasional basis, the Bank may be required to convert the savings account to a checking account, which would discontinue any Overdraft Protection it might be providing to another account, or close the account. If the withdrawal or transfer limit is reached, we may decline transfers and withdrawals for the remainder of the monthly statement period (exceptions to the statement period may apply) to help you avoid a fee and account conversion or closure. For more information, please refer to the Consumer Account Agreement and the Consumer Account Fee and Information Schedule. 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).

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.