Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

Wells Fargo Consumer and Business Account Fees

This list 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 Access (Wells Fargo)

Description

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

Fee

No charge for Wells Fargo customers

ATM Balance Inquiry (Non-Wells Fargo - U.S. and International)

Description

Get your account balance at a non-Wells Fargo ATM.

Fee

$2 per inquiry

Additional Information

Fees from non-Wells Fargo ATM owner/operator may apply unless waived by the terms of your Account. The non-Wells Fargo ATM owner/operator fees are included in the total amount withdrawn from your Account and will apply to your Card’s daily ATM withdrawal limit.

ATM Transfer Fee (Non-Wells Fargo - U.S. and International)

Description

Transfer available funds between your primary linked checking and savings accounts at select non-Wells Fargo ATMs.

Fee

$2 per transfer

Additional Information

Fees from non-Wells Fargo ATM owner/operator may apply unless waived by the terms of your Account. The non-Wells Fargo ATM owner/operator fees are included in the total amount withdrawn from your Account and will apply to your Card’s daily ATM withdrawal limit.

ATM Transaction (Non-Wells Fargo - U.S.),

Description

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

Fee

$2.50 each*

Additional Information

Fees from non-Wells Fargo ATM owner/operator may apply unless waived by the terms of your Account. The non-Wells Fargo ATM owner/operator fees are included in the total amount withdrawn from your Account and will apply to your Card’s daily ATM withdrawal limit.

*Please see "Additional Benefits – Everyday Checking accounts linked to a Wells Fargo Campus Card" on page 24 of the Consumer Account Fee and Information Schedule.

ATM Transaction (Non-Wells Fargo - International)

Description

Cash withdrawal transactions at ATMs outside the U.S.

Fee

$5 each

Additional Information

Fees from non-Wells Fargo ATM owner/operator may apply unless waived by the terms of your Account. The non-Wells Fargo ATM owner/operator fees are included in the total amount withdrawn from your Account and will apply to your Card’s daily ATM withdrawal limit.

Bill Pay (Business)

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. 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).

Bill Pay (Consumer)

Description

Pay your bills online.

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. 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).

Cash Deposit Processing Fee (Business accounts only)

Description

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

Fees are $0.30 per $100 cash deposits processed 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.

Additional Information

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.

Cashed/Deposited Item Returned Unpaid

Description

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.

Fee

$12 per item

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, fees are waived if you have a qualifying business account with no fee cashier’s checks.

For consumer accounts, fees are waived if you have a qualifying consumer account with no fee cashier’s checks.

Additional Information

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

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. 

Check Order

Description

Order checks for your eligible accounts.

Wells Fargo Fee

Varies depending on type of account and checks ordered.

Debit Card International Purchase Transaction Fee

Description

This fee is charged for each debit card purchase in a foreign currency converted to a U.S. dollar amount by a network.

Fee

3% of transaction amount

Debit Card Over-The-Counter Fee

Description

For getting cash from a teller at a non-Wells Fargo bank

Fee

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

Additional Information

You may be charged fees by other third parties for use of your consumer debit card or ATM card, such as stores and merchants for purchase transactions, and other banks and financial institutions for consumer debit card over-the-counter cash disbursements at their branches.

Money Order

Description

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

Fee

$5 per money order

Additional Information

Money orders up to $1,000 each may be purchased at any Wells Fargo banking location.

For business accounts, fees are waived if you have a qualifying business account with no fee money orders.

For consumer accounts, fees are waived if you have a qualifying consumer account with no fee money orders.

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

Description

We may assess an overdraft fee for any item we pay into overdraft, and we may assess a returned item fee for any item returned unpaid.

Debit Card Overdraft Service: No overdraft fee will be assessed on ATM and everyday (one-time) debit card transactions unless Debit Card Overdraft Service is added to your account. If Debit Card Overdraft Service is not added and there is not enough 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 Clear Access BankingSM accounts.

Fee

  • $35 per item*
  • $15 per item for Wells Fargo Teen CheckingSM
  • We limit the number of overdraft and/or returned item (Non-Sufficient Funds/NSF) fees assessed per business day:
    No more than three for consumer accounts, two for Wells Fargo Teen Checking, or eight for business accounts
  • Overdraft and non-sufficient funds (NSF) fees are not applicable to Clear Access Banking account

Additional Information

  • No overdraft or returned item fees will be assessed on items of $5 or less.
  • No overdraft fees will be assessed if both your ending daily account balance and available balance are overdrawn by $5 or less after we have processed all of your transactions.

*Please see "Additional Benefits – Everyday Checking accounts linked to a Wells Fargo Campus Card" on page 24 of the Consumer Account Fee and Information Schedule.

Overdraft Protection

Description

Overdraft Protection is an optional service you can add to your checking account by linking up to two eligible accounts (one savings, one credit). We will use available funds in your linked account(s) to authorize or pay your transactions if you don't have enough money in your checking account. Overdraft Protection is not available for Clear Access Banking accounts.

Fee

Transfers from a Wells Fargo Savings Account:

  • $12.50 per transfer,*

Advances from a Wells Fargo Credit Card Account:

  • Varies based on the amount advanced. See your Credit Card Agreement.

Advances from an eligible Line of Credit Account:

  • Consumer - $12.50 per advance
  • Business - See your Credit Agreement.

Additional Information

A single Overdraft Protection Transfer or Advance Fee will be assessed any day a transfer/advance is made regardless of the number of transactions covered or whether money is transferred/advanced from multiple accounts. Also, we will not charge a fee unless the transfer/advance covered at least one pending item, or helped you avoid at least one overdraft or returned item.

*Please see "Additional Benefits – Everyday Checking accounts linked to a Wells Fargo Campus Card" on page 24 of the Consumer Account Fee and Information Schedule.

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.

Transactions Fee (checking) / Deposited Items Fee (savings) (Business accounts only)

Description

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, or Direct Pay payments made through Wells Fargo Business Online® or Wells Fargo Merchant Services Transactions.

Fee

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.

Additional Information

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.

Wire Transfer — Incoming Domestic

Description

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

Fee

$15 per transfer*

Additional Information

*Please see "Additional Benefits – Everyday Checking accounts linked to a Wells Fargo Campus Card" on page 24 of the Consumer Account Fee and Information Schedule.

Wire Transfer — Outgoing Domestic

Description

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

Fee

$30 each

Additional Information

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

Effective Date: August 1, 2020