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Checking and Savings Monthly Service Fee Questions

Your Wells Fargo checking and savings statements provide you with information regarding your monthly service fee (excludes PMA®, retirement, HSA, IOLTA, RETA, and analyzed accounts). Below are some answers to common questions about the monthly service fee summary.

If you have a question about a fee you were charged on a consumer account, please contact a Wells Fargo Phone Banker at 1-800-869-3557, 24 hours a day, 7 days a week, or visit a Wells Fargo banking location. For business account questions, please contact the National Business Banking Center at 1-800-225-5935, 24 hours a day, 7 days a week, or visit a Wells Fargo banking location.

Monthly Service Fee Summary

What is a statement period? How does the statement period relate to my monthly service fee summary?

The date range of your statement period is located at the top of your account statement.  The statement provides you a record of all transactions posted during that period. Saturdays, Sundays, and federal holidays are non-business days.Transactions  occurring on these days will be posted on the next business day.

Checking and savings accounts have an individualized monthly service fee summary that shows the  fee period for the account. The fee period is the range of dates we use to calculate monthly fees.

How will my monthly service fee be calculated if my fee period ends on a weekend?

If your fee period ends on a weekend, your monthly service fee will be calculated and posted to your account on the last business day of the fee period.

Why is my statement period and fee period not aligned to the same date?

If your  fee period and statement period are not the same on a consumer account, and you would like them to align, please contact a Wells Fargo Phone Banker at 1-800-869-3557, 24 hours a day, 7 days a week, or visit a Wells Fargo banking location. For business account questions, please contact the National Business Banking Center at 1-800-225-5935, 24 hours a day, 7 days a week, or visit a Wells Fargo banking location.  Wells Fargo may change one or both of these periods to align the date ranges of the statement period and  fee period.

I see “You Paid” in the monthly service fee summary of my statement. Does that mean I need to pay a fee?

If you see a dollar amount in the “You Paid” column, it is the monthly service fee amount your account was already charged for the fee period. The monthly service fee will be reflected in the Transaction History section of your account statement.  You do not need to take any action.

What does the check mark mean on my monthly service fee summary?

On your statement, we provide a list of different options that can help you qualify for a monthly service fee waiver. The check mark appears next to each of the ways to avoid the monthly service fee you met during the  fee period.

How do monthly service fee discounts work?

The monthly service fee summary tells you if your account is eligible for a monthly service fee discount. If you do not meet the monthly service fee waiver requirements, but are eligible for a discount, your monthly service fee amount will be adjusted.

What is considered a qualifying direct deposit and how is the total amount calculated?

A qualifying direct deposit is an electronic deposit of your salary, pension, Social Security or other regular monthly income to your account by your employer or outside agency. If your account has a cumulative direct deposit requirement, we will add up the amounts posted to your account for all of your direct deposits during each fee period. Click here to learn more about direct deposit

How is my combined balance calculated?

Your combined balance is the total balance of your checking account plus any other eligible accounts that are linked to your checking account.  We total up all of your linked account balances one day prior to the last business day of your monthly fee period to determine your combined balance.

What accounts can be linked for combined balances so that I qualify for the monthly fee waiver?

Eligible accounts that can be linked are determined by the type of checking account you have.  Your monthly service fee summary lists the account types that are eligible to be linked to the checking account to create the combined balance.

Why is the fee information in the monthly service fee summary different from the information I recently received as a message in my statement?

The fee information included in the monthly service fee summary on your statement is accurate as of the date of the fee period provided.

From time to time, information on your account may change. Wells Fargo will communicate these changes on your account via statement message, statement insert or letter in advance of the change to your account. Please refer to the effective date for when these changes will take place.

I recently switched to a new account. Why does the monthly service fee summary show the monthly service fee for my old account?

The monthly service fee summary provided is based on the fee period of your previous account. The monthly service fee summary for your new account will appear on your next statement.

What fees other than monthly service fees are calculated monthly for my consumer account?

If applicable, the check image option fee is calculated and posted to your account on the last business day of the monthly fee period.

What fees other than monthly service fees are calculated monthly for my business account?

Other fees that are calculated and posted to your business account on the last business day of the fee period include check image option, transactions, deposited item, cash deposited, coin ordered, currency ordered and money services business fees. If applicable on your account, these monthly fees are in addition to your monthly service fee.

I noticed a change in my monthly service fee, how can I avoid the fee?

Your checking and savings accounts are subject to a monthly service fee even if a fee was not assessed in the past.  You can avoid this fee by meeting the monthly service fee waiver criteria found in the monthly service fee summary included on your statement.

I would like to switch to a different type of account that would allow me other ways to waive my monthly service fee. What are my next steps?

For our most popular consumer checking accounts, please review our Consumer Checking Comparison Chart  to see some of your options. Then call a Wells Fargo Phone Banker at 1-800-869-3557, 24 hours a day, 7 days a week, to ask us to convert your account. You can also visit a Wells Fargo banking location and ask your banker for a complimentary financial review.

For Business account related questions, please review the Business Checking Comparison Chart. Then call the National Business Banking Center at 1-800-225-5935, 24 hours a day, 7 days a week, to ask us to convert your account. You can also visit a Wells Fargo banking location and ask your banker for a complimentary financial review.

Checking Packages

What is a checking package and what are the benefits?

A package is a combination of accounts and services that we offer to help you meet your everyday banking needs and provide money-saving benefits. A package requires that you link at least three qualifying Wells Fargo accounts or services to your checking account and meet one of the monthly service fee criteria found in the monthly service fee summary to waive the monthly service fee.
Packages may include debit cards, savings accounts, credit cards, loans, and other accounts for which you must qualify.

If I have several accounts, are they automatically linked to complete a package?

Your package automatically links all qualifying accounts and services to a package checking account. If you have questions about what consumer accounts are linked, please call us at 1-800-869-3557, 24 hours a day, 7 days a week, or visit a Wells Fargo banking location for assistance. For business accounts, please contact the National Business Banking Center at 1-800-225-5935, 24 hours a day, 7 days a week, or visit a Wells Fargo banking location.