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Fee Information for Wells Fargo Online® and Wells Fargo Business Online®

Wells Fargo customers can access Wells Fargo Online and Wells Fargo Business Online with no fee. However, some online services may have additional fees. These fees will be automatically deducted from your account and will appear on your account statement. Expand the online service category below to learn more.

Alerts

Description

Sign up to receive account balance and transaction notifications to your email or mobile device.

Wells Fargo Fee

None

Additional Information

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

ATM Access Code

Description

Use the Wells Fargo Mobile® app to request an ATM Access Code to access your accounts without your card at any Wells Fargo ATM.

Wells Fargo Fee

None

Additional Information

ATM Access Codes are available for use at all Wells Fargo ATMs for Wells Fargo Debit and ATM cards, and Wells Fargo EasyPay® Cards using the Wells Fargo Mobile app. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Some ATMs within secure locations may require a physical card for entry.

Bank-to-Bank Transfers (Consumer and Business)

Description

Transfer money between your accounts at Wells Fargo and other U.S. financial institutions, and skip the trip to the bank.

Transactions to other people (e.g. Wires, Zelle®, Bill Pay) are covered under other service descriptions.

Wells Fargo Fee

None

Bill Pay (Business and Consumer)

Description

Pay your bills and invoices online from your business or personal accounts.

Wells Fargo Fee

None

Additional Information

There's no monthly service fee to use Bill Pay. Charges may apply, however, for Wells Fargo Same Day Payments ServiceSM. Please refer to our fees page for fees associated with our online services. Additional fees may apply for certain funding accounts used in Bill Pay. Account fees (e.g. monthly service, overdraft) may also apply to your account(s) that you make Bill Pay payments from. Please refer to the Account Agreement, including the Fee and Information Schedule, applicable to your account(s).

Cashier's Checks

Description

Order a cashier’s check online or in-person at any Wells Fargo banking location.

Wells Fargo Fee

$10 each

For business accounts, fee is waived if you have any qualified business account that offers no fee cashier's checks as an account benefit.

For consumer accounts, fee is waived if you have any qualified consumer account that offers no fee cashier's checks as an account benefit.

Additional Information

For online orders of cashier’s checks within the U.S., there will be an $8 delivery charge.

Check Copies (U.S. Mail)

Description

Request copies of your checks by U.S. Mail.

Wells Fargo Fee

Refer to the Document Copies section in your Consumer or Business Fee and Information Schedule, as applicable. 

Additional Information

If you request a paper copy of a check, your copy will be mailed to you within 10 business days.

Check Images (Online)

Description

View images of checks you've written online.

Wells Fargo Fee

None

Additional Information

Check images are immediately available for up to 90 days after they post to your account. Images of checks that cleared more than 90 days ago can be requested free of charge, and are usually accessible electronically within 24 hours.

If your check is not available to view online, you may request a paper copy via U.S. Mail. Fees may apply for paper copies. 

Check Order

Description

Order checks for your eligible accounts.

Wells Fargo Fee

Varies depending on type of account and checks ordered.

Deposit Ticket Copy

Description

View an image of the deposit ticket you used to make a deposit (can also include image of the check).

Wells Fargo Fee

Refer to the Document Copies section in your Consumer or Business Fee and Information Schedule, as applicable.

Digital Wallet

Description

Add your Wells Fargo Debit or Credit Card to your digital wallet to make secure, on-the-go purchases in stores, online, and in apps.

Wells Fargo Fee

None

Additional Information

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Digital Wallet Access to Wells Fargo ATMs

Description

Use your Wells Fargo Debit Card or Wells Fargo EasyPay® Card in your digital wallet to access your account at Wells Fargo ATMs that display the Contactless Symbol.

Wells Fargo Fee

None

Additional Information

Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards and Wells Fargo EasyPay® Cards in Wells Fargo-supported digital wallets. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Some ATMs within secure locations may require a physical card for entry.

Direct Pay

Description

Make next-day payments to vendors and employees.

Wells Fargo Fee

$10.00 per month

Additional Information

There is no per-payment charge for payments made to Wells Fargo personal bank accounts. Payments to non-Wells Fargo personal bank accounts are $0.50 per payment. All payments made to business bank accounts are $3.00.

eBills

Description

Receive online versions of your paper bills through Wells Fargo Bill Pay.

Wells Fargo Fee

None

ExpressSend®

Description

With ExpressSend, you can send money to Mexico and 12 other countries throughout Latin America and Asia.

Wells Fargo Fee

ExpressSend transfer fees vary periodically, and are subject to change at any time. Specific fees will be disclosed at the time you start a transaction.

Additional Information

For the ExpressSend transfer fees currently in effect, talk to a Banker or refer to the ExpressSend Remittance Cost Estimator online.

In addition to the transfer fee, Wells Fargo makes money when it converts one currency to another currency for you. The exchange rate provided to you is set by Wells Fargo in its sole discretion, and it includes a markup over Wells Fargo’s cost of sourcing the relevant currency or currencies. For additional information related to ExpressSend and foreign currency, please see the ExpressSend Terms and Conditions.

Loan Payment History

Description

Obtain a copy of your loan payment activity.

Wells Fargo Fee

Refer to your lending account Terms & Conditions for options.

Mobile Deposit

Description

Deposit a check directly into your eligible checking or savings account using the Wells Fargo Mobile app.

Wells Fargo Fee

None

Additional Information

Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

My Money Map (My Spending Report, Budget Watch, My Savings Plan®)

Description

Use My Spending Report, Budget Watch, and My Savings Plan to track your spending, budget, and savings — all in one place.

Wells Fargo Fee

None

QuickBooks® Online Banking (Business)

Description

Access your online banking balances and transactions directly through your QuickBooks software. You can also use the software to pay bills and make transfers.

Wells Fargo Fee

  • QuickBooks Access – $14.95 per month.
  • QuickBooks Access with Bill Pay – $24.95 per month.

Additional Information

To subscribe to this service, you must have an eligible Wells Fargo checking account and a username and password to access Wells Fargo Online.

Important note for Quicken and QuickBooks users: The monthly service fee to access Wells Fargo Online through Quicken and QuickBooks is not prorated. If you choose to cancel your service mid-cycle, a charge for the entire month will be assessed.

Quicken® Online Banking (Business)

Description

Access your online banking balances and transactions directly through your Quicken software. You can also use the software to pay bills and make transfers.

Wells Fargo Fee

  • Business Quicken Access – $9.95 per month.
  • Business Quicken Access with Bill Pay – $14.95 per month.

Additional Information

To subscribe to this service, you must have an eligible Wells Fargo checking account and a username and password to access Wells Fargo Online.

Important note for Quicken and QuickBooks users: The monthly service fee to access Wells Fargo Online through Quicken and QuickBooks is not prorated. If you choose to cancel your service mid-cycle, a charge for the entire month will be assessed.

Quicken Online Banking (Consumer)

Description

Access your online banking balances and transactions directly through your Quicken software. You can also use the software to pay bills and make transfers.

Wells Fargo Fee

  • Personal Quicken Access – $3.00 per month.
  • Personal Quicken Access with Bill Pay – $9.95 per month.

Additional Information

To subscribe to this service, you must have an eligible Wells Fargo checking account and a username and password to access Wells Fargo Online.

Important note for Quicken and QuickBooks users: The monthly service fee to access Wells Fargo Online through Quicken and QuickBooks is not prorated. If you choose to cancel your service mid-cycle, a charge for the entire month will be assessed.

Returned Item & Deposit Details — Business Accounts

Description

View details and images (if available) of returned and deposited items for at least thirty days after they post to your business account.

Wells Fargo Fee

None

RSA SecurID® Device (Consumer and Business)

Description

The RSA SecurID device provides an extra layer of security by generating a random 6-digit Personal Access Code that is used to sign on to advanced online payments services.

Fee

  • One-time service fee of $25 (includes shipping and handling)
  • No charge for Direct Pay or Premium Wire customers

Statements (Copies)

Description

Request copies of your statements by U.S. Mail.

Wells Fargo Fee

Fees may apply if you request a statement copy delivered by U.S. Mail. Refer to your Consumer or Business Fee and Information Schedule, as applicable.

Statements (Online)

Description

View your account statements online, and stop delivery of your statements by U.S. Mail.

Wells Fargo Fee

None

Additional Information

Online Statements require Adobe® Acrobat® PDF reader.  The length of time Online Statements are available to view and download varies depending on the product: up to 2 years for credit cards, student loans, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. The length of time the specific product statements are available online can be found in Wells Fargo Online in Statements & Documents. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Stop Payment

Description

Request a stop payment online or by phone for a paper item (check) or pre-authorized ACH (Automated Clearing House) item. You will need to provide the following:

Paper item – payee name, account number, check number or range of check numbers, check date and check amount.

ACH item - company name, account number, ACH merchant ID and/or company ID and amount of item.

Wells Fargo Fee

$31 each item

Additional Information

Fees may vary based on the type of account you have as some accounts offer fee waivers for some services. For a complete list of services, fees, and fee waivers that are available with your account, please refer to your Consumer or Business Fee and Information Schedule, as applicable.

Tax Documents (Online)

Description

View copies of your tax documents online.

Wells Fargo Fee

None

Wells Fargo Same Day Payments ServiceSM

Description

Make a same day Bill Pay payment.

Wells Fargo Fee

Personal and Business

The fee for a same day payment (which is also displayed on the screen when you select the same day payment option) is $14.95 per payment for a same day credit payment such as a credit card payment, mortgage payment, or auto loan payment to non-Wells Fargo accounts, and $7.95 per payment for other same day payments.

Wires through Wells Fargo Online (Consumer & Business)

Description

Send domestic and international wire transfers.

Wells Fargo Fee

Wire Money fees are disclosed at the time you input a wire transfer. Refer to your Consumer or Business Fee and Information Schedule, as applicable.

Additional Information

Certain Private Bank Online Banking wire transfer fees are waived if a wire is funded from eligible accounts. If you are eligible for fee waivers and lose your eligibility, fees will be assessed, when applicable, to any transactions that are processed on or after the date you lose your eligibility.

Wires funded by Team MemberSM Checking have their fees waived.

Zelle®

Description

Send and receive money with Zelle. Zelle is a convenient way to move money within minutes between friends, family, and other people you know and trust. All you need is your recipient’s email address or mobile number. On your mobile phone, you can request money too.

Wells Fargo Fee

There is no fee to use Zelle through Wells Fargo. However, your mobile carrier's message and data rates may apply if you use Zelle on a mobile device.

Additional Information

Enrollment with Zelle through Wells Fargo Online® is required. Terms and conditions apply. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Available to almost anyone with a U.S.-based bank account. For your protection, Zelle should only be used for sending money to friends, family, or others you know and trust. Sending money with Zelle is similar to making a payment in cash. Your mobile carrier’s message and data rates may apply. The Request feature within Zelle is only available through Wells Fargo using a smartphone. In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. For more information, view the Zelle® Transfer Service Addendum to Wells Fargo’s Online Access Agreement.

These fees are effective as of December 16, 2019.