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Compare Checking Accounts

Avoid overdraft or non-sufficient funds (NSF) fees

Great for customers who want e-checking and don't need paper checks

Multiple ways to avoid the monthly service fee

Loaded with features like the Wells Fargo Mobile® app, contactless debit card, and custom alerts

Premium relationship-based checking

Benefits that link across your Wells Fargo relationship

24/7 phone support

Getting started for Clear Access Banking

Open with $25 deposit

Teens 13 to 17 (18 in AL) must open at a branch – see what you'll need

Getting started for Everyday Checking

Open with $25 deposit

Teens 17 (17 and 18 in AL) must open at a branch – see what you'll need

Getting started for Portfolio by Wells Fargo

Open with $25 deposit

Must be 18 years or older (19 in AL) to open this account – see what you'll need

Monthly service fee for Clear Access Banking

$5 – Only one way to avoid the fee each fee period:

  • Primary account owner is 13-24 year olds

Quick view of account fees (PDF)

Monthly service fee for Everyday Checking

$10 – Avoid with any one of the following each fee period:

  • $500 minimum daily balance
  • $500 or more in total qualifying direct deposits
  • Primary account owner is 17-24 years old
  • Linked to a Wells Fargo Campus ATM Card or Campus Debit Card

Quick view of account fees (PDF)

Monthly service fee for Portfolio by Wells Fargo

$25 – Only one way to avoid the fee each fee period:

  • Fee waived with $20,000 or more in statement-ending qualifying balances of linked bank deposit or investment accounts

Quick view of account fees (PDF)

Account features for Clear Access Banking

  • Wells Fargo Mobile® app
  • Deposit checks from nearly anywhere, track balances, get alerts, pay bills
  • Turn debit card on-off
  • Send and receive money with Zelle®
  • Zero Liability debit card protection, fraud monitoring

Plus:

  • No overdraft or non-sufficient funds (NSF) fees
  • No check writing ability
  • Easy to move money from parent's to teen's Wells Fargo account

Account features for Everyday Checking

  • Wells Fargo Mobile® app
  • Deposit checks from nearly anywhere, track balances, get alerts, pay bills
  • Turn debit card on-off
  • Send and receive money with Zelle®
  • Zero Liability debit card protection, fraud monitoring

Plus:

  • Overdraft Protection available
  • Checks are available

Account features for Portfolio by Wells Fargo

  • Wells Fargo Mobile® app
  • Deposit checks from nearly anywhere, track balances, get alerts, pay bills
  • Turn debit card on-off
  • Send and receive money with Zelle®
  • Zero Liability debit card protection, fraud monitoring

Plus:

  • Overdraft Protection available
  • Checks are available
  • This account is interest-bearing
  • No fee for Wells Fargo Personal Wallet checks
  • No Wells Fargo ATM access fee at non-Wells Fargo ATMs,
  • No fees on cashier's checks and money orders
  • Waived monthly service fees on certain linked checking and savings accounts
  • Portfolio Relationship Interest Rate on non-promotional linked CDs and savings accounts
  • Dedicated, personalized support from the Wells Fargo Premier Banking TeamSM 24/7

Still have questions?

Make an Appointment

Make an appointment with a banker.

Find a Location

Find an ATM or banking location near you.

Call Us

For existing accountholders or questions:
1-800-869-3557

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 and Deposit Account Agreement for details.

If you convert from a Wells Fargo account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.

On the primary account owner's 25th birthday, the account will automatically be subject to the then current monthly service fee.

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 for other terms, conditions, and limitations.

Enrollment is required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions; transactions using other cards linked to your deposit account; or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the debit card will also be turned off. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

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. In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. 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.

With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. Please see your applicable Wells Fargo account agreement, debit and ATM card terms and conditions, or Wells Fargo EasyPay Card Terms and Conditions for information on liability for unauthorized transactions.

Subject to applicable Overdraft Protection transfer or advance fees. Account eligibility requirements apply.

A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer or the agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM don't qualify as a direct deposit.

Wells Fargo Campus ATM and Campus Debit Cards are available for students, faculty, and staff of colleges and universities that participate in the Wells Fargo Campus CardSM program.

When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.

Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

If your Portfolio by Wells Fargo program is closed or an account is delinked from the program, then effective immediately, Portfolio by Wells Fargo benefits no longer apply, including benefits to your linked accounts. You will no longer receive discounts, options to avoid fees on other products or services, or the Portfolio Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked account will revert to the Bank's current applicable interest rate or fee at that time.

If you own a qualifying Wells Fargo consumer checking or savings account or a Portfolio by Wells Fargo® program (each a qualifying deposit account), you will earn a relationship bonus of 10%, 25%, or 50% on rewards points earned on net purchases (purchases minus returns/credits) made on your credit card account. You cannot earn a relationship bonus on points that are earned as either bonus points or as promotional points. Your relationship bonus percentage will be determined based on the type of qualifying deposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account within a Portfolio by Wells Fargo program, you will earn a 25% relationship bonus. If your Portfolio by Wells Fargo program statement-ending qualifying relationship balance is $250,000 or more, you will earn a 50% relationship bonus. If you are designated as being in the Wells Fargo Private Bank, you will earn a 50% relationship bonus. If you own more than one qualifying deposit account, you will earn the most favorable bonus rewards points percentage you qualify for at the time your relationship bonus is calculated. The relationship bonus, which will be in the form of rewards points, will post to your account in the thirteenth month after your credit card account was opened and annually on this date thereafter for as long as you maintain your qualifying deposit account. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for the Wells Fargo Propel World American Express® Card.

All loans and lines of credit are subject to credit approval, income verification and, if applicable, collateral evaluation. Programs, rates, terms and conditions are subject to change without notice. You must be an existing Portfolio by Wells Fargo program customer at the time of application for credit. The interest rate discount requires a qualifying Portfolio by Wells Fargo consumer checking account. The interest rate discount may also require automatic monthly payments deducted from either a Wells Fargo consumer deposit account or any financial institution's consumer deposit account. If the Portfolio by Wells Fargo program is closed or the automatic payment is cancelled at any time after the loan or line is opened, the interest rate may increase, in which case your corresponding monthly payment will increase. Talk with your banker, or refer to product information online at gigaflops.net, to learn what requirements apply to your specific line or loan.

Wells Fargo Bank, N.A. is a banking affiliate of Wells Fargo & Company. Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.

WellsTrade brokerage accounts and Wells Fargo Advisors Intuitive Investor investment accounts are offered through WFCS.

Certain brokerage accounts are not eligible.

Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. Not available in all states.

If the annuity becomes annuitized, or a periodic payment schedule has been established, the remaining balance will no longer be eligible for qualification.

Benefits apply only to the primary checking account within the Portfolio by Wells Fargo program.

Surcharge fees imposed by non-Wells Fargo ATM owners or operators may apply. For the Portfolio by Wells Fargo program, Wells Fargo will waive its own ATM access fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM from your primary checking account within the Portfolio by Wells Fargo program. In addition, you will be reimbursed for one surcharge incurred at a non-Wells Fargo ATM located in the U.S. and one surcharge incurred at a non-Wells Fargo ATM located outside the U.S. per fee period. Where Portfolio by Wells Fargo qualifying balances are $250,000 or more, you will be reimbursed for all surcharge fees.

If your Portfolio by Wells Fargo program is closed or an account is delinked from the program, then effective immediately, Portfolio by Wells Fargo benefits no longer apply, including benefits to your linked accounts. You will no longer receive discounts, options to avoid fees on other products or services, or the Portfolio Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked account will revert to the Bank's current applicable interest rate or fee.