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Wells Fargo Consumer and Business Account 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 complete list of services, fees, and fee waivers that are available with your account, please consult the Consumer Account Fee and Information Schedule, Wells Fargo EasyPay Card Terms and Conditions, or the Business Account Fee and Information Schedule as applicable. 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).

ATM Fees

Service
Description
Fee
Additional Information
Wells Fargo ATM Access Get cash, make deposits or transfer funds at a Wells Fargo ATM.
No charge for Wells Fargo customers
Non-Wells Fargo ATM Transaction (U.S.) Cash withdrawal transactions at non-Wells Fargo ATMs in the U.S. $2.50 each Fees charged by the non-Wells Fargo ATM owner/operator may apply.
Non-Wells Fargo ATM Transaction (International) Cash withdrawal transactions at ATMs outside the U.S.
$5 each
Fees charged by the non-Wells Fargo ATM owner/operator may apply.

Debit Card Transactions

Service
Description
Fee
Additional Information
Debit Card Over-The-Counter Withdrawal Fee For getting cash at a non-Wells Fargo bank

U.S. - $3

International - 3% of transaction amount

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

Checks

Service
Description
Fee
Additional Information
Cashier's Checks
Order a cashier's check online or in-person at any
Wells Fargo banking location.
$10 each
For online orders of cashier's checks within the U.S., there will be an $8 delivery charge.
Check Printing

Varies by quantity, style, and design

Excess Activity Fee For Savings Accounts

Service Description Fee Additional Information
Excess Activity Fee for Savings Accounts

Regulation D and Wells Fargo limit certain types of withdrawals and transfers from a savings account to a combined total of six (6) per monthly fee period, and if the limit is exceeded, an excess activity fee for each withdrawal or transfer will be assessed.

$15 per withdrawal or transfer

Maximum of 3 excess activity fees assessed per monthly fee period

Money Order

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

Overdraft and Returned Items (Non-Sufficient Funds/NSF)

Service
Description
Fee
Additional Information
Overdraft

When an item 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. We may charge an overdraft fee for any item we pay into overdraft. For consumer accounts, we will not charge an overdraft fee for ATM and everyday (one-time) debit card transactions we pay into overdraft unless you add Debit Card Overdraft Service to your account. If you do not add the service and there isn't enough money in your checking account (or accounts linked for Overdraft Protection), ATM and everyday debit card transactions may be declined. Eligible business accounts are automatically enrolled in this service but can opt out at any time.

Note:
  • We limit the number of overdraft and/or returned item (non-sufficient funds/NSF) fees assessed per business day: no more than 3 for consumer accounts, 2 for Wells Fargo Teen Checking, or 8 for business accounts.
  • No overdraft fees assessed if at the end of our nightly processing, both your ending daily account balance and your available balance are overdrawn by $5 or less and there are no items returned for non-sufficient funds after all transactions have posted.
$35 per item
$15 per item for
Wells Fargo Teen Checking
If you are enrolled in Overdraft Protection, the Bank will transfer available funds from your linked Wells Fargo accounts 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 (sometimes called a "bounced check"), a Returned Item (NSF) fee will apply. 

Note:
  • We limit the number of overdraft and/or returned item (non-sufficient funds/NSF) fees assessed per business day: no more than 3 for consumer accounts, 2 for Wells Fargo Teen Checking, or 8 for business accounts.
  • No overdraft fees assessed if at the end of our nightly processing, both your ending daily account balance and your available balance are overdrawn by $5 or less and there are no items returned for non-sufficient funds after all transactions have posted.
$35 per item
$15 per item for
Wells Fargo Teen Checking

Overdraft Protection Transfer from Savings Account
Overdraft Protection is an optional service where you can link your eligible savings account to your checking account. If your checking account balance goes negative, the bank will transfer money from your linked savings account to bring your balance current. A single Overdraft Protection transfer fee will be assessed regardless of the number of transactions presented for payment that day.
$12.50 per transfer
There is no fee for enrolling in Overdraft Protection. The fee applies if the Bank transfers funds from your savings account.
Overdraft Protection Advance from Line of Credit Account
Overdraft Protection is an optional service where you can link your eligible credit account to your checking account. If your checking account balance goes negative, the bank will transfer available funds from your linked credit account to bring your balance current. A single Overdraft Protection advance fee will be assessed regardless of the number of transactions presented for payment that day.

Consumer - $12.50 per advance

Business - See your Credit Agreement

There is no fee for enrolling in Overdraft Protection. The fee applies if the Bank advances funds. Please see your Credit Agreement for the advance fee from a business line and finance charges for advances.
Overdraft Protection Advance from Credit Card Account
Overdraft Protection is an optional service where you can link your eligible credit account to your checking account. If your checking account balance goes negative, the bank will transfer available funds from your linked credit account to bring your balance current. A single Overdraft Protection advance fee will be assessed regardless of the number of transactions presented for payment that day.
See Credit Card Agreement
There is no fee for enrolling in Overdraft Protection. The fee applies if the Bank advances funds from your credit card. The amount of the advance fee varies based on the amount advanced.

Cashed/Deposited Item Returned Unpaid

Service
Description
Fee
Additional Information
Cashed/Deposited Item Returned Unpaid
If you cash or deposit an item into your account, and it is returned unpaid to the Bank for any reason, your account is charged a fee.
$12 per item

Stop Payments

Service
Description
Fee
Additional Information
Stop Payment

To request stop payments 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 - name of payee, 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

$31 each item

Wells Fargo Online Banking

Service
Description
Fee
Additional Information
Access to Wells Fargo Online Banking with Bill Pay
No Charge
Online Bank Statements
No Charge
Online Check Images
No Charge

Wire Transfers

Service
Description
Fee
Additional Information
Wire Transfer — Incoming Domestic

A wire transfer sent to a Wells Fargo account from a financial institution in the United States. 

$15 per transfer
 
Wire Transfer — Outgoing Domestic

A wire transfer sent from a Wells Fargo account to a recipient account in the United States.

$30 each
Wells Fargo's wire transfer system enables you to move money between financial institutions in the U.S. and internationally.

Other Fees for Business Accounts

Service
Description
Fee
Additional Information
Cash Deposited Fees
Business checking and savings accounts include a specified amount of cash deposits monthly without a fee. Once cash deposits exceed this amount, a cash deposited fee applies.

Fees are $0.30 per $100 cash deposited over the amount included with the account without a fee.

The amount of cash deposits included with the account without a fee varies by account type.

Refer to the Business Account Fee and Information Schedule for Analyzed Business Checking and other analyzed account fees.

To learn more about this fee, see your Business Account Fee and Information Schedule and review your monthly statements under the section Account transaction fees summary.
Transactions Fee (checking) / Deposited Items Fee (savings)

Business checking and savings accounts include a specified number of transactions and deposited items without a fee. Once transactions and deposited items exceed this number, a transactions fee or deposited items fee applies.

The definition of “Transactions” refers to any combination of deposits, paid items and deposited items, including paper and electronic. Transactions do not include purchases and payments made using a Wells Fargo Business Debit Card or Wells Fargo Business ATM Card, Business Bill Pay, Direct Pay payments made through Wells Fargo Business Online, Wells Fargo Merchant Services Transactions or Wells Fargo Business Payroll Services Transactions.

Fees are $0.50 for each transaction/item over the number of transactions included with the account without a fee.

The number of transactions included with the account without a fee varies by account type.

Refer to the Business Account Fee and Information Schedule for Analyzed Business Checking and other analyzed account fees.

To learn more about this fee, see your Business Account Fee and Information Schedule and review your monthly statements under the section Account transaction fees summary.

Effective Date: April 1, 2017