Wells Fargo Consumer and Business Fees

This table describes the services you may use along with the associated fees. Fees may vary based on the type of account you have as some accounts offer fee waivers for some services. For a comprehensive list of services and fee waivers that are available with your account, please consult the Consumer Account Fee and Information Schedule (PDF)* or the Business Account Fee and Information Schedule (PDF)*. If you have questions or prefer us to mail you a copy of the Fee and Information Schedule, please contact your Banker or call us at one of the numbers listed below.

  • Consumer accounts, please call us at 1-800-TO-WELLS (1-800-869-3557).
  • Business accounts, please call us at 1-800-CALL WELLS (1-800-225-5935).

Account Research

Service
Description
Fee
Additional Information
Account Research
We'll research or reconcile your account for you.
$25 per hour
$25 minimum

ATM Access — Wells Fargo ATMs

Service
Service Description
Fee
Additional Information
ATM Access
Get cash, make deposits or transfer funds at a Wells Fargo ATM.
No charge for Wells Fargo customers

ATM Access — Non-Wells Fargo ATMs

Service
Description
Fee
Additional Information
ATM Balance Inquiry
Get your account balance at a non-Wells Fargo ATM.
$2 each
Applies to balance inquiries at U.S. and International ATMs.
ATM Transfer Fee (U.S. and International)
You may transfer available funds between your primary linked checking and savings accounts at select non-Wells Fargo ATMs.
$2 each

ATM Transaction (U.S.)
Withdrawal transactions at non-Wells Fargo ATMs in the U.S.
$2.50 each

ATM Transaction (International)
Withdrawal transactions at ATMs outside the U.S.
$5 each

ATM Card And Debit Card Transactions

Service
Description
Fee
Additional Information
ATM Statement (Wells Fargo ATM)
Print the last ten transactions on your primary checking account or print balances of all accounts linked to your Card.
$1 each

International Purchase Transaction Fee
This fee is charged for each purchase made with your debit card in a foreign currency that has been converted into a U.S. dollar amount by a network.
3% of transaction amount

Debit Card Over-The-Counter Cash Disbursement
Withdraw cash with your Debit Card at a Non-Wells Fargo bank.

US - $3 each teller transaction

International - 3% of transaction amount

This fee is for transactions made with a teller, not at an ATM.

Checks

Service
Description
Fee
Additional Information
Cashier's Checks
Order a cashier's check online or in-person.
$10 each
For express delivery of cashier's checks within the U.S., there is an additional $8 charge.
Personalized Temporary Checks
Your personal information printed on temporary checks.
$3 for sheet of three checks

Collections — Domestic

Service
Description
Fee
Additional Information
Incoming And Outgoing Domestic Collection
Incoming or outgoing domestic collection of checks.
$25 per item
NSF Check, credit card check, check that has not been processed, auto draft, oil and gas draft, sight drafts, without entry claim (i.e. forged endorsement, improper endorsement, altered item, etc.)

Document Copies

Service
Description
Fee
Additional Information
Document Copies — Self Serve
You can request some documents online or via email to print yourself, or through the automated telephone banking service.
No charge

Document Copies
You can request paper copies of some documents online, at a Wells Fargo banking location, through the Wells Fargo Phone Bank, or by mailing a request.
$5 per item

Written requests for consumer accounts should be sent to P.O. Box 6995, Portland, OR 97238.

Written requests for business accounts should be sent to P.O. Box 340214, Sacramento, CA 95834.

Excess Activity Fee For Savings Accounts

Service
Description
Fee
Additional Information
Excess Activity Fee for Savings Accounts
Regulation D limits certain types of withdrawals and transfers you can make out of your savings account to a maximum combined total of six (6) per month. Please refer to specific account (within the Fee and Information Schedule) for complete details.
$15 per item
Maximum of 3 excess activity fees per monthly statement period.

Foreign And International Services

Service
Description
Fee
Additional Information
Foreign Currency
Order foreign currency at a banking location, or through a Phone Banker.
Delivery fee
Excludes Foreign Exchange Online. Delivery fee varies depending on where the currency was ordered.
Foreign Draft
Order a bank draft payable in foreign currency via phone, at a Wells Fargo banking location, or by mail.
$30 per Order
Excludes Foreign Exchange Online.
Foreign Draft Stop Payment
Request a stop payment order on a foreign draft.
$75 each

International Fax
Fee for documents faxed by International Department.
$10 each

International Item Collection — $250 or more
If a check drawn on a foreign bank cannot be processed as a cash letter Item, you can have it sent to the paying bank on a collection basis.
$75 each
The cost of foreign check collections varies and is based on the U.S. dollar value of the Item. The cost may also include fees from the paying bank or other fees.
International Item Deposited (Foreign Currency or U.S. Dollars)
Deposit an International Item (foreign currency or U.S. dollars) into your account.
$5.00 each

International Item Deposited, Returned Unpaid
If you cash or deposit an International Item into your account, and it is returned, unpaid, your account is charged a fee.
$15 each

SWIFT/Tracer Fee
SWIFT/Tracer fee on foreign check collections.
$25 each

Legal Process Fee

Service
Description
Fee
Additional Information
Legal Process Fee
Includes levy, writ, garnishment, and any other legal document that requires funds to be attached.
$125 each

Money Order

Service
Description
Fee
Additional Information
Money Order
Get a personal money order. $5 each
Money orders valued up to $1,000 each may be purchased at any Wells Fargo banking location.

Overdraft and Returned Items (NSF)

Service
Description
Fee
Additional Information
Overdraft Item
When a transaction such as a check or debit card purchase is presented for payment and paid even though the available balance in your deposit account is less than the amount of the transaction, an Overdraft (or negative balance) is created. An Overdraft fee may apply. ATM and everyday (one-time) debit card transactions will not be assessed an overdraft fee unless you agree and add Debit Card Overdraft Service to your account.
See the Service Fees section of your Consumer Account Fee and Information Schedule (PDF)* or your Business Account Fee and Information Schedule (PDF)*.
If you are enrolled in Overdraft Protection, the Bank will transfer funds from another Wells Fargo account and charge you an Overdraft Protection transfer or advance fee.
Returned Item/Non-sufficient Funds (NSF)
When a transaction such as a check or recurring payment is presented for payment and returned unpaid because the available balance in your deposit account is less than the amount of the transaction. Also called "returned check" or "bounced check." A Returned Item (NSF) fee will apply.
See the Service Fees section of your Consumer Account Fee and Information Schedule (PDF)* or your Business Account Fee and Information Schedule (PDF)*.

Overdraft Protection Transfer from Savings Account
Overdraft Protection is a service offered by the Bank which links your savings account to your checking account for the purpose of transferring sufficient funds to cover Items when the available balance in your checking account is less than the amount necessary to cover the Items. An Overdraft Protection Transfer fee applies.
$12.50 per transfer
Enrollment in Overdraft Protection is free. The fee applies if the Bank transfers funds from your savings account to cover an Item.
Overdraft Protection Advance from Line of Credit Account
Overdraft Protection is a service offered by the Bank which links your credit account to your checking account for the purpose of advancing sufficient funds to cover Items when the available balance in your checking account is less than the amount necessary to cover the Items. An Overdraft Protection Advance fee applies.
$12.50 per advance
Enrollment in Overdraft Protection is free. The fee applies if the Bank must advance funds to cover an Item. Note: This fee may vary for business accounts. Please see your Credit Agreement for the fee and finance charges for advances.
Overdraft Protection Advance from Credit Card Account
Overdraft Protection is a service offered by the Bank which links your credit account to your checking account for the purpose of advancing sufficient funds to cover Items when the available balance in your checking account is less than the amount necessary to cover the Items. An Overdraft Protection Advance fee applies.
See Credit Card Agreement
Enrollment in Overdraft Protection is free. The fee applies if the Bank must advance funds to cover an Item.

Cashed/Deposited Item Returned Unpaid

Service
Description
Fee
Additional Information
Cashed/Deposited Item Returned Unpaid
Items you cash or deposit into your account, that are returned unpaid for any reason.
$12 per Item

Safe Deposit Boxes

Service
Description
Fee
Additional Information
Safe Deposit Box Annual Rental Fee
Annual service fee for your Wells Fargo Safe Deposit Box.
Varies by size

Safe Deposit Late Fee — 60 days
If your annual fee is over 60 days delinquent, you will be charged a fee.
$10

Safe Deposit Late Fee — 90 days
If your annual fee is over 90 days delinquent, you will be charged a fee.
$15
The 90-day late fee is in addition to the 60-day late fee.
Safe Deposit Keys
Deposit for keys to your safe deposit box.
$20 for two keys
One-time fee
Safe Deposit Key Replacement
Replace lost or stolen safe deposit keys.
$25 each

Safe Deposit Non-Emergency Drilling
When drilling is required to obtain the contents of your safe deposit box and at least three business days notice is provided.
$125 minimum

Safe Deposit Emergency Drilling
When drilling is required to obtain the contents of your safe deposit box and less than three business days notice is provided.
$175 minimum

Stop Payments

Service
Description
Fee
Additional Information
Stop Payment

Request stop payments online or by phone for paper item (check) or pre-authorized ACH (Automated Clearing House) item, you will need to provide the following:

ACH item - Company Name, Account Number, ACH Merchant ID and/or Company ID and Amount of item

Paper item - Name of Payee, Account Number, Paper item number or range of paper item numbers, Paper item date and Amount of item

$31 each

Verification

Service
Description
Fee
Additional Information
Credit Inquiry Fee
Deposit and/or credit account information provided to third party at your request.
$10 each
Business accounts only
Research and Verification
Requests can include providing a Date of Death Letter, Estate Letter, or Audit Confirmation.
$25 per hour
$25 minimum charge

Wire Transfers

Service
Description
Fee
Additional Information
Wire Transfer — Incoming Domestic/Internal Transfer
An Incoming wire transfer is sent from another financial institution to a Wells Fargo account. Internal transfer is a wire transfer between two Wells Fargo accounts that are not in the same family relationship (from ABC company to XYZ company).
$15 each
Wells Fargo's wire transfer system enables you to move money between financial institutions anywhere in the U.S. and throughout the world.
Wire Transfer — Incoming International U.S./Foreign Currency
Receive an international wire transfer in either U.S. or foreign currency.
$16 each

Wire Transfer — Outgoing Domestic/Internal Transfer
An Outgoing wire transfer is sent to another financial institution from a Wells Fargo account. Internal transfer is a wire transfer between two Wells Fargo accounts that are not in the same family relationship (from ABC company to XYZ company).
$30 each

Wire Transfer — Repetitive Outgoing Domestic/Internal Transfer
A repetitive wire transfer is a pre-established wire with the same source and destination, but the dollar amount and the descriptive text within the wire may change (i.e., invoice number).
$25 each

Wire Transfer — Outgoing International Wire — U.S. Currency
Send an international wire transfer in U.S. currency.
Fee disclosed at the time of transaction

Wire Transfer — Repetitive Outgoing International Wire — U.S. Currency
A repetitive wire transfer is a pre-established wire with the same source and destination, but the dollar amount and the descriptive text within the wire may change (i.e., invoice number).
Fee disclosed at the time of transaction

Wire Transfer — Outgoing International Wire — Foreign Currency
Send an international wire transfer in foreign currency.
Fee disclosed at the time of transaction

Wire Transfer — Repetitive Outgoing International Wire — Foreign Currency
A repetitive wire transfer is a pre-established wire with the same source and destination, but the dollar amount and the descriptive text within the wire may change (i.e., invoice number).
Fee disclosed at the time of transaction

Wire Transfer — Outgoing Book Transfer
Transfer funds between two Wells Fargo accounts that are in the same family relationship (from ABC company account to another ABC company account).
$15 each
This fee varies for analyzed business accounts. Please see Wire Transfers (Analyzed Accounts) in the Service Fees section of the Business Account Fee and Information Schedule (PDF*).
Wire Transfer — Repetitive Outgoing Book Transfer
A repetitive wire transfer is a pre-established wire between two Wells Fargo accounts that are in the same family relationship, but the dollar amount and the descriptive text within the wire may change (i.e., invoice number).
$10 each
This fee varies for analyzed business accounts. Please see Wire Transfers (Analyzed Accounts) in the Service Fees section of the Business Account Fee and Information Schedule (PDF*).

Effective Date: April 7, 2014