How can we help?

Popular FAQs

Wells Fargo Consumer and Business Account Fees

This list describes common services you may use along with the associated fees. Fees may vary because some accounts and programs offer fee waivers and reimbursements for some services. For a complete list of services, fees, fee waivers, and reimbursements that are available with your account, please consult the applicable Consumer Account Fee and Information Schedule and corresponding Addenda or the Business Account Fee and Information Schedule and corresponding Addenda. 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 1-800-869-3557.
  • Business accounts, please call us at 1-800-225-5935.

Description

Get cash, make deposits, transfer funds , or obtain an ATM statement at most Wells Fargo ATMs.

Fee

No charge for Wells Fargo customers

Description

Cash withdrawal transactions at non-Wells Fargo ATMs in the U.S.

Fee

$3 each

Additional Information

Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name and logo. Wells Fargo may charge a fee for each withdrawal transaction made at a non-Wells Fargo ATM. The non-Wells Fargo ATM operator or network may also charge a fee.

Description

Cash withdrawal transactions at ATMs outside the U.S.

Fee

$5 each

Additional Information

Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name and logo. Wells Fargo may charge a fee for each withdrawal transaction made at a non-Wells Fargo ATM. The non-Wells Fargo ATM operator or network may also charge a fee.

Description

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

Fee

None.

Additional Information

There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your account(s) that you make Bill Pay payments from. We don’t charge overdraft fees on Bill Pay transactions, but Bill Pay transactions can contribute to overdrafts. For example, if a Bill Pay payment reduces the available balance in your selected payment account, this can affect debit card purchases, checks, and other transactions that are presented to us for payment. These other transactions might be subject to overdraft fees under the terms of your account. Please refer to the Account Agreement, including the Fee and Information Schedule, applicable to your account(s).

Description

Some business checking and savings accounts include a specified amount of cash deposits processed monthly without a fee. Once cash deposits processed exceeds this amount, a cash deposit processing fee will apply.

Fee

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

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

Description

If you cash or deposit an item into your account and it is returned unpaid to the Bank for any reason, your account will not be charged a fee.

Fee

None

Description

Wells Fargo checking and/or savings customers can order a cashier's check online for checks valued up to $2,000, or in-person for larger amounts at any Wells Fargo banking location, subject to a $6,000 monthly limit per customer.

Fee

$10 each.

Additional Information

For online orders of cashier’s checks to be delivered to an address in the U.S., there will be an $8 delivery charge in addition to the $10 Wells Fargo fee. Please allow up to 3 business days for delivery to Alaska and Hawaii. Delivery of checks is limited to addresses within the United States. We do not deliver to P.O. Boxes.

Outstanding Cashier's checks are subject to state or territorial unclaimed property laws.

If the cashier's check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo's approved insurance carrier or through an insurance carrier of the customer's choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier's underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.

Description

Order checks for your eligible accounts.

Fee

Check Printing prices vary by quantity, style, and design.

Description

Fee charged for coin or currency furnished by a Wells Fargo branch.

Fee

  • Coin order
    • First 15 rolls per fee or statement period: $0
    • Over 15 rolls: $0.15 per roll
  • Currency order
    • First $1,000 per fee or statement period: $0
    • Over $1,000: $0.13 per $100

Description

A fee will be charged for each debit card purchase in a foreign currency that a network converts into a U.S. dollar amount.

Fee

3% of U.S. dollar amount

Description

The Wells Fargo ExpressSend Service is a person-to-person remittance (money transfer) service that offers you more options to send money home to family or friends in 12 countries.

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.

Country-  Fee
Mexico-  $6.00
Dominican Republic-  $5.00
El Salvador-  $11.00
Guatemala-  $5.00
Honduras-  $9.00
Nicaragua-  $11.00
Colombia-  $5.00
Ecuador-  $9.00
Peru-  $8.00
India-  $3.00
Philippines-  $5.00
Vietnam-  $12.00

Additional Information

For the ExpressSend transfer fees in effect, talk to a Banker or refer to the ExpressSend Remittance Cost Estimator online at wellsfargo.com/costestimator.

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. For additional information related to ExpressSend and foreign currency, please refer to the ExpressSend Terms and Conditions.

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 Fee and Information Schedule, as applicable.

Description

For using a debit card to withdraw cash from a teller at a non-Wells Fargo bank location.

Fee

  • U.S./U.S. Territories - $3 per teller transaction
  • International - 3% of U.S. dollar amount

Additional Information

We’ll charge a fee if you make a teller-assisted cash disbursement at a non-Wells Fargo bank that accepts Visa-branded cards. You may also be charged a fee by other banks and financial institutions for cash disbursements at their branches. That fee may be added to your total disbursement and will apply to your card’s daily ATM withdrawal limit.

Description

A payment instrument ordering the bank to pay a specific sum of money.

Fee

$5 per money order.

Additional Information

Wells Fargo checking and/or savings customers can purchase money orders valued up to $1,000 each at any Wells Fargo location.

Outstanding Money Orders are subject to state or territorial unclaimed property laws.

Description

We may assess an overdraft fee  for any item we pay into overdraft.

Fee

  • $35 per item
  • We limit the number of overdraft fees assessed per business day to no more than three for Consumer accounts and four for Business accounts.
  • Debit Card Overdraft Service: No overdraft fee will be assessed on ATM and everyday (one-time) debit card transactions unless your account is enrolled in Debit Card Overdraft Service. If your account is not enrolled in Debit Card Overdraft Service and there is not enough available money in your checking account or accounts linked for Overdraft Protection, your ATM and everyday (one-time) debit card transactions will be declined, and there are no fees for declined transactions. Debit Card Overdraft Service is automatically added to eligible Business Accounts at account opening. You can add or remove the service at any time. Debit Card Overdraft Service is not available for certain accounts, such as Wells Fargo Clear Access Banking accounts, IOLTA/RETA accounts, accounts for government entities, or savings accounts.
  • There are no overdraft fees for Clear Access Banking  accounts. Note: If you convert to a Clear Access Banking account from an account that has checks and overdraft services available, any fees resulting from account activity made or authorized prior to conversion may post to the account after conversion. In this event, any such fees will also be reflected in account activity summaries located within online banking and your account statement.

Additional Information

  • No overdraft fees will be assessed on items of $10 or less.
  • No overdraft fees will be assessed if both your ending daily account balance and available balance  are overdrawn by $10 or less after we have processed all of your transactions.

Description

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

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 12 months for auto loans; up to 2 years for credit cards, 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.

Description

Request a stop payment for a check or pre-authorized ACH (Automated Clearing House) item through Wells Fargo Mobile® app, Online, by phone, or by visiting your local branch and speaking with a banker.

Wells Fargo Fee

There is no fee for placing stop payments on consumer and small business accounts.

Description

Some 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.

Fee

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

Description

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

Fee

Consumer
Domestic and International – No Fee

Business (Non-analyzed)
Domestic and International – No Fee

Business (Analyzed)
Domestic and International – $15   

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.

Fees may be charged by third parties or other banks, in addition to those described above. Additionally, incoming or outgoing domestic wires that contain incorrect information may be subject to fees assessed by Wells Fargo and/or other financial institutions that process the wire.

Description

A wire transfer sent from a Wells Fargo account to a recipient's account held by a financial institution in the United States or International.

Fee

Business

Digital - $25
Branch - $40

Consumer

Digital
Domestic and International sent in USD - $25
International sent in Foreign currency - $0

Branch
Domestic and International - $40

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.

Fees may be charged by third parties or other banks, in addition to those described above. Additionally, incoming or outgoing domestic wires that contain incorrect information may be subject to fees assessed by Wells Fargo and/or other financial institutions that process the wire.

Effective Date: November 4, 2025

Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

U.S. includes the 50 states and the District of Columbia as well as the U.S. territories of American Samoa, Guam, Northern Mariana Islands, Puerto Rico, U.S. Minor Outlying Islands, and U.S. Virgin Islands.

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. For additional information related to ExpressSend and foreign currency, please see the ExpressSend Terms and Conditions at wellsfargo.com/sendersrights.

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means). We charge no more than three overdraft fees per business day for Consumer accounts and no more than four overdraft fees per business day for Business accounts. Overdraft fees are not applicable to Clear Access Banking accounts.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule available at wellsfargo.com/depositdisclosures for more information.

Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the Bank. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.

In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different than exchange rates you see elsewhere. For additional information related to Wires and foreign currency wires, please see the Online Access Agreement or applicable service documentation.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

DT1-10102026-12-8533748-1.1