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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
Wells Fargo ATM statement
Obtained from a Wells Fargo ATM $1 per statement Fee is assessed when you request the Wells Fargo ATM to print a statement of your last ten transactions or a statement of your account balance(s).
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.

Non-Wells Fargo ATM Balance Inquiry (U.S. and International)
Get your account balance at a non-Wells Fargo ATM.
$2 per inquiry
Fees charged by the non-Wells Fargo ATM owner/operator may apply.
Non-Wells Fargo ATM Transfer Fee (U.S. and International)
Transfer available funds between your primary linked checking and savings accounts at select non-Wells Fargo ATMs.
$2 per transfer
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 Fee
For getting cash at a non-Wells Fargo bank

U.S. - $3 per teller transaction

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 in addition to the $10 cashier's check fee.
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. If you exceed the limit, 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

Learn More about Excess Activity and how to avoid it. (Video)

Money Order

Service
Description
Fee
Additional Information
Money Order
Get a personal money order. $5 per money order
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 and Returned Items/Non-Sufficient Funds (NSF)

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.

$35 per item
$15 per item for Wells Fargo Teen Checking

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 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 and there are no items returned for non-sufficient funds after we have processed all of your transactions.

Overdraft Protection

Service
Description
Fee
Additional Information
Overdraft Protection
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.

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 a Line of Credit Account:

    Consumer - $12.50 per     advance

    Business - See your     Credit Agreement.

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 helped you avoid at least one overdraft or returned item.

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
Online Bill Pay

No Charge
Charges may apply for Wells Fargo Same Day Payments ServiceSM. Please refer to the Online Access Agreement for fees associated with our online services.

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 Account transaction fees summary section.
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, or 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 Account transaction fees summary section.

Effective Date: July 11, 2018