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Página principalWells Fargo Way2Save® Savings
CA, 94105 Change Location
Little by little, saving adds up
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.
Build your savings automatically
Start a savings habit – link your Way2Save Savings account to your Wells Fargo checking account, then choose the automatic savings option that best fits your needs.
Save As You Go® transfers
We'll automatically transfer $1 from your linked Wells Fargo checking account to your Way2Save Savings account every time you do one of the following and it posts to the account:
- Use your debit card for a one-time purchase
- Complete a Bill Pay transaction through online banking
Automatic transfers
Set up regular automatic transfers from your linked Wells Fargo checking account to your Way2Save Savings account:
- Save monthly – with an automatic transfer of at least $25
- Or save daily – with an automatic transfer of as little as $1
Way2Save Savings account interest rates and fees
Variable rates (compounded daily) Compare rates
$0
or more
0.15%
0.15%
Account fees and details
- Monthly service fee: $5
- Avoid the monthly service fee with one of the following each fee period:
- $300 minimum daily balance
- 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account
- 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account
- 1 or more Save As You Go® transfers from a linked Wells Fargo checking account
- Primary account owner is 24 years old or under
- 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?
Way2Save Savings account FAQs
How does Wells Fargo's Way2Save Savings account work?
Way2Save Savings is a savings account that earns interest and allows you to save automatically to help you build towards your savings goals.
What do I need to open a Way2Save 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.
Can you open a savings account without a checking account?
Yes. You can open a Way2Save Savings account without a Wells Fargo checking account.
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.
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 do I avoid the monthly service fee for Way2Save Savings?
You can avoid the $5 monthly service fee when you have one of the following each fee period:
- $300 minimum daily balance
- 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account
- 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account
- 1 or more Save As You Go® transfers from a linked Wells Fargo checking account
- Primary account owner is 24 years old or under
Can I open a savings account for my child?
Yes. Depending upon the age of your child you may be able to open an individual or a joint account. We also provide account ownership options just for minors. Ask a banker for details or review the age and ID requirements for opening an account.
Are my Way2Save Savings funds FDIC-insured?
Yes, your Way2Save 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 Way2Save Savings account to help protect your linked Wells Fargo checking account from overdrafts.
ATM card for convenient ATM access to your savings.
More than 12,000 Wells Fargo ATMs to help you bank locally and on the go.
Still have questions?
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For questions about new
accounts.
accounts.
Call Us
For existing accountholders or questions:
1-800-869-3557
1-800-869-3557
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Additional resources
Terms and conditions apply. Mobile carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement for more information.
When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee. Customers 12 and under must have an adult co-owner.
Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. 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.
Current Deposit Rates for 12/09/2023 - 12/15/2023
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.
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.
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.
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-0323-00759
LRC-0223
