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Choose Your Account

How do you want to invest? Review your options to find the right Individual Retirement Account (IRA) for you.

Destination® IRA
by Wells Fargo Bank, N.A.
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WellsTrade® IRA
by Wells Fargo Advisors
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Full Service Brokerage IRA
by Wells Fargo Advisors
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A savings account or CD (Time Account)

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An online brokerage account for managing your own investments, including making low-cost trades Ability to work with a Financial Advisor who will develop a personalized investment strategy based on your goals
FDIC Insurance

To start saving with small contributions each month

Access to no-load mutual funds including target date funds

Access to either full service investment advice or to guidance

A variety of investment options (such as stocks, bonds, mutual funds, ETFs)
Minimum opening deposit

$100 for Savings Accounts

$1,000 for CDs
$0 $10,000
Account fee $0 $0
$75 per household with ways to waive
Apply now 1-800-237-8472
Open a Destination IRA
Open a WellsTrade IRA
Get Started with a Full Service Brokerage IRA
We’re here to help Get Started

Call us 1-877-493-4727

Mutual fund investing involves risks, including the possible loss of principal. Consult a fund's prospectus for additional information on risks.

Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by contacting Wells Fargo Advisors or your investment representative. Read the prospectus carefully before you invest.

Mutual funds available without transaction fees may change at any time without notice. Therefore, any mutual funds purchased without a transaction fee may be subject to a transaction fee for subsequent purchases or upon liquidation.


The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects funds depositors place in member banks and savings associations from individual bank failures. FDIC manages the Deposit Insurance Fund, created from the premiums member banks pay. The FDIC also encourages stability in the financial system by promoting sound banking practices. FDIC insurance is backed by the full faith and credit of the United States government. The FDIC standard deposit insurance amount per depositor per insured depository institution for each account ownership category is $250,000.


A mutual fund which does not have a sales charge when you buy or sell shares.  Other fees and expenses apply to an investment in no-load shares and are described in a fund’s current prospectus.

Target date funds

A target date fund is a mutual fund which represents the approximate year you hope to retire and begin withdrawing assets. The funds are diversified across a range of asset classes and investment styles to seek to gradually reduce market risk as the target date approaches, and after it arrives, by decreasing stock exposure and increasing bond and cash exposure. The principal value is not guaranteed at any time, including at the target date.


Guidance means an investment professional is available to help you understand which types of investments may be suitable for your goals.