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Página principalWells Fargo Platinum Savings
CA, 94105 Change Location
Your nest egg deserves a good home
Open with $25
The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. Your account statement will include the APY earned on your savings accounts and interest-earning checking accounts for the period covered by the statement.
A flexible savings account with room to grow
Growth and relationship opportunities
Build your savings automatically with automatic transfers. Plus, earn the Relationship Interest Rate when you link your Platinum Savings account to an eligible checking account.
Flexible access to your money
Platinum Savings is an interest-bearing savings account that offers better rates and easy access to your funds. Your money will be ready when you need it — including through online and mobile access, unlimited branch and Wells Fargo ATM withdrawals, along with the option to write checks.
Platinum Savings account interest rates and fees
Platinum Savings - Standard Interest Rate (compounded daily) Compare rates
Platinum SavingsStandard Interest Rate
Balance
Standard Interest Rate
Relationship APY footnote
$0
- $99,999.99
0.25%
0.25%
0.26%
0.26%
$100,000
- $499,999.99
1.00%
1.01%
1.01%
1.02%
$500,000
- $999,999.99
1.98%
2.00%
1.99%
2.01%
$1,000,000
or more
2.47%
2.50%
2.48%
2.51%
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
$25 minimum opening deposit
Account fees and details
- Monthly service fee: $12
- Avoid the monthly service fee with a $3,500 minimum daily balance each fee period
- Other fees may apply; please see the Consumer Account Fee and Information Schedule and Deposit Account Agreement for details
How to open an account
- You must be 18 or older to apply online
- View age and ID requirements to open
- Minimum opening deposit: $25
Ready to start saving?
Platinum Savings account FAQs
What is a Wells Fargo Platinum Savings Account?
The Platinum Savings account is an interest-bearing savings account with FDIC insurance protection up to the maximum limits. This account allows you to build your savings automatically with automatic transfers.
There are also several easy ways to get to your money when you need it, including online and mobile access, unlimited branch and Wells Fargo ATM withdrawals, and the option to write checks.
Plus, this account can earn the Relationship Interest Rate when linked to an eligible checking account.
What do I need to open a Platinum Savings account?
To open an account, you'll need:
- Your Social Security number
- A valid ID (driver's license, state ID, or Consular ID)
- Your current residential address
- A $25 minimum opening deposit
Apply in just a few minutes through Wells Fargo Online® or at a Wells Fargo branch near you.
You must be 18 or older to apply online.
How do I open a joint savings account?
Joint savings accounts must be opened at a branch. Make an appointment to get started.
You need the same information that is required to open an individual savings account, but you'll need it for both applicants. Please review the age and ID requirements before your appointment.
Do savings accounts earn interest?
Yes. Platinum Savings is an interest-bearing savings account.
Interest is compounded daily and paid monthly. Interest is calculated and accrued daily based on the daily collected balances in the account.
Explore today's rates to learn more.
What is a Relationship Interest Rate?
The Relationship Interest Rate is a higher interest rate available to customers who link eligible savings or CD accounts to eligible checking accounts.
How do I avoid the monthly service fee for Platinum Savings?
Avoid the monthly service fee with a $3,500 minimum daily balance each fee period.
How do I access the funds in my savings account?
You can request an ATM card to access your savings funds if you don't have a Wells Fargo checking account.
If you have a Wells Fargo checking account, you can use your debit card to access funds in your savings account.
Learn more about how to access money in your savings account by exploring our debit and ATM card FAQs.
How many withdrawals or transfers can I make from Platinum Savings?
You can make unlimited withdrawals or transfers in or out of your Platinum Savings account.
Can I write checks with Platinum Savings?
A Platinum Savings account allows you to write checks for easy access to your money when you need it.
Are my Platinum Savings funds FDIC-insured?
Yes, your Platinum Savings funds are FDIC-insured up to the maximum applicable limits.
Visit our FDIC Insurance page to learn more.
Enjoy these benefits of a Wells Fargo savings account
The Wells Fargo Mobile® app to pay bills, deposit checks, send and receive money with Zelle®, and more.
Optional Overdraft Protection – use your Platinum Savings account to help protect your linked Wells Fargo checking account from overdrafts.
ATM card for convenient ATM access to your savings.
My Savings Plan® to help you set and track your goal, plus automatic transfers to make saving easy.
Still have questions?
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For questions about new
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Call Us
For existing accountholders or questions:
1-800-869-3557
1-800-869-3557
Find a Location
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More options to explore
Manage your account
Additional resources
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 transfer fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.
The Relationship Interest Rate is variable and subject to change at any time without notice, including setting the interest rate equal to the Standard Interest Rate or to zero (0.00%), which could change the Relationship Annual Percentage Yield (APY). For time accounts, the change will occur upon renewal. To receive the disclosed Relationship Interest Rate/Relationship APY, the eligible account must remain linked to a Prime Checking, Premier Checking or Private Bank Interest Checking account. Time Accounts must be linked at account open and at every renewal. If the checking account is closed for any reason or the eligible savings account or time account is de-linked, the account will revert to the then-current applicable Standard Interest Rate on that date; for time accounts, this change will occur upon renewal. Any Special Interest Rate would not expire until the expiration date of that Special Interest Rate.
Mobile deposit is only available through the Wells Fargo Mobile® app. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.
Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers a protection program for authorized payments made with Zelle®. The Request feature within Zelle® is only available through Wells Fargo using a smartphone. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.
Subject to account eligibility requirements.
The interest rates and Annual Percentage Yields displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma.
Tasas de interés actuales aplicables a depósitos entre 09/23/2023 - 09/29/2023
Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Interest Rates are subject to change without notice. Interest is compounded daily and paid monthly. Interest is calculated and accrued daily based on the daily collected balances in the account. Accrued interest is considered to be earned and will be paid only when the total interest accrued reaches $0.01 or more. In any month the amount of accrued interest is less than $0.01, periodic statements will show no Annual Percentage Yield Earned (APYE) or interest earned though interest is accruing. Interest Rates and APYs for all checking and savings accounts are variable and can be changed by the Bank at any time. Fees could reduce earnings.
The balance tiers for the accounts listed are as follows: $0 to $499.99; $500 to $999.99; $1,000 to $2,499.99; $2,500 to $4,999.99; $5,000 to $9,999.99; $10,000 to $24,999.99; $25,000 to $49,999.99; $50,000 to $99,999.99; $100,000 to $249,999.99; $250,000 to $499,999.99; $500,000 to $999,999.99; $1,000,000 or more. Wells Fargo interest rates offered within two or more consecutive tiers may be the same. When this is the case, multiple tiers may show as a single tier. Each tier shown reflects the current minimum daily collected balance required to obtain the applicable APY.Se le proporcionará una copia de la hoja de tasas vigente en ese momento antes de que usted abra su cuenta, o esta está disponible en cualquier momento si la solicita a un representante bancario.
The interest rates and Annual Percentage Yields displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma.
The interest rates and Annual Percentage Yields displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma.
Current Deposit Rates for 09/23/2023 - 09/29/2023
Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Interest Rates are subject to change without notice. Interest is compounded daily and paid monthly. Interest is calculated and accrued daily based on the daily collected balances in the account. Accrued interest is considered to be earned and will be paid only when the total interest accrued reaches $0.01 or more. In any month the amount of accrued interest is less than $0.01, periodic statements will show no Annual Percentage Yield Earned (APYE) or interest earned though interest is accruing. Interest Rates and APYs for all checking and savings accounts are variable and can be changed by the Bank at any time. Fees could reduce earnings.
The balance tiers for the accounts listed are as follows: $0 to $499.99; $500 to $999.99; $1,000 to $2,499.99; $2,500 to $4,999.99; $5,000 to $9,999.99; $10,000 to $24,999.99; $25,000 to $49,999.99; $50,000 to $99,999.99; $100,000 to $249,999.99; $250,000 to $499,999.99; $500,000 to $999,999.99; $1,000,000 or more. Wells Fargo interest rates offered within two or more consecutive tiers may be the same. When this is the case, multiple tiers may show as a single tier. Each tier shown reflects the current minimum daily collected balance required to obtain the applicable APY.A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker.
The interest rates and Annual Percentage Yields displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma.
Current Deposit Rates for 09/23/2023 - 09/29/2023
Savings Accounts:
Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Interest Rates are subject to change without notice. Interest is compounded daily and paid monthly. Interest is calculated and accrued daily based on the daily collected balances in the account. Accrued interest is considered to be earned and will be paid only when the total interest accrued reaches $0.01 or more. In any month the amount of accrued interest is less than $0.01, periodic statements will show no Annual Percentage Yield Earned (APYE) or interest earned though interest is accruing. Interest Rates and APYs for all checking and savings accounts are variable and can be changed by the Bank at any time. Fees could reduce earnings.
The balance tiers for the accounts listed are as follows: $0 to $499.99; $500 to $999.99; $1,000 to $2,499.99; $2,500 to $4,999.99; $5,000 to $9,999.99; $10,000 to $24,999.99; $25,000 to $49,999.99; $50,000 to $99,999.99; $100,000 to $249,999.99; $250,000 to $499,999.99; $500,000 to $999,999.99; $1,000,000 or more. Wells Fargo interest rates offered within two or more consecutive tiers may be the same. When this is the case, multiple tiers may show as a single tier. Each tier shown reflects the current minimum daily collected balance required to obtain the applicable APY.A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker.
CD Accounts:
See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.
Wells Fargo Bank, N.A. Member FDIC.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
QSR-0523-04139
LRC-0223
The Relationship Interest Rate is an interest rate available on eligible Savings or CD accounts, when those accounts are linked to a Prime Checking or Premier Checking account.
