Find the best checking account for you

Our most popular checking account

Convenient options to avoid fees
Check writing and digital payments

Best for students and teens between 13-24 years old

No minimum balance required
Checkless banking1 with no overdraft fees2

Interest-bearing checking with more benefits

Reimbursed fees for non-Wells Fargo ATMs3^,4
Waived fees for banking services5

Premier level of relationship banking with fee waivers5

Reimbursed ATM fees worldwide3^,4
Access to a dedicated financial team

Avoid fee

Must be 18 or older to open online
17-year-olds must open at a branch with required IDs

Must be 18 or older to open online
Teens 13-17 must open at a branch with required IDs
Teens 13-16 must open with an adult co-owner

*19 in Alabama

Open online or at a branch with required IDs

*19 in Alabama

Open online or at a branch with required IDs

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Check prices vary

Can’t write checks1 — but you can deposit them

No fee for Wells Fargo Personal Wallet Checks3

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Learn more

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$3.0010

$03^,4

$5.0010

$03^,4

N/A

One U.S. and one international per fee period3^,4

Unlimited, worldwide3^,4

3% of U.S. dollar amount

0%3

$10 each

$03

$5 each

Quick view of account fees

Not sure which checking account is the best fit? Talk with a banker.

Bank with confidence

24/7 security

Fraud monitoring around the clock, plus Zero Liability protection6

Learn more >

insured

At Wells Fargo, your deposits are FDIC insured by the U.S. government up to the maximum applicable limits

Learn more >

Debit card security

Turn cards on or off,13 view recurring payments, and easily manage digital wallet access14

Learn more >

Checking FAQs

You can open a checking account online or in person at a Wells Fargo branch. You must be 18 or older to apply online. Those 17 and under must open at a branch.

No matter how you apply, you'll need:

Your Social Security number
Valid ID (driver's license, state ID, consular ID)
Current residential address
$25 opening deposit

IDs required to open (plus co-applicant's information if applicable)

Joint checking 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 checking account, but you’ll need it for both applicants.
IDs required to open

Enroll in Wells Fargo Online from your desktop or mobile device for secure online access to your accounts. Once you’ve enrolled, you’ll receive an email confirmation, and you’ll be ready to sign on and manage your accounts. You can also download the top-rated Wells Fargo Mobile® app in the Apple App Store or Google Play and manage your banking from anywhere.

There are a few ways to access your routing and account numbers:

We can help you find both at Routing Numbers and Account Numbers.
You can find your routing and account numbers after logging in to your Wells Fargo Mobile® app or Wells Fargo Online® banking account or on any paper statements you have.
If you have physical checks, you can look at the bottom left corner of the check. The first 9-digit set of numbers is your routing number. The second set of numbers is your account number, which can vary in length from 9 - 13 digits.

Setting up Direct Deposit is easy and only requires three steps:

Step 1: Use our pre-filled form. Sign on or use our Wells Fargo Mobile® app to create your customized Direct Deposit guide. Select the account you’d like your deposits to go to, and we’ll pre-fill the form with your routing number, account number, and account type. You can also download a blank Direct Deposit/Automatic Payments Set-up Guide (PDF) and fill in the information yourself.
Step 2: Provide the information on the completed form to the company or agency that pays you. Your payor may ask you to complete their own form in order to process your request.
Step 3: Monitor your account. It may be one or two pay or benefit periods before Direct Deposit goes into effect.

Yes, all Wells Fargo checking account funds are FDIC-insured up to the maximum applicable limit.

Visit our FDIC Insurance page to learn more.

How can we help?

Call us

For existing accountholders or questions:

1-800-869-3557

Make an appointment

Find a location

City, State, or ZIP Go

Investment and Insurance Products are:

Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

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.

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. ←back to content

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. ←back to content

Unless otherwise noted, stated benefits apply only to the Prime Checking or Premier Checking account and not other linked accounts. ←back to content

Fees charged by non-Wells Fargo ATM operators or networks may apply. For Prime Checking and Premier Checking accounts, Wells Fargo will waive its non-Wells Fargo ATM cash withdrawal transaction fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM. In addition, for Prime Checking Wells Fargo will reimburse one fee charged by a non-Wells Fargo ATM operator located in the U.S. and one fee charged by a non-Wells Fargo ATM operator located outside the U.S. per fee period. For Premier Checking, Wells Fargo will reimburse all fees charged by non-Wells Fargo ATM operators. When the amount of the fee charged by the non-Wells Fargo operator or network is not provided to Wells Fargo, Prime Checking and Premier Checking customers will receive a $4.00 reimbursement per cash withdrawal. ←back to content

(A) If your Prime Checking or Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Prime Checking or Premier Checking account and effective immediately, benefits no longer apply, including benefits to your now delinked accounts. You’ll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked accounts will revert to the Bank’s current applicable interest rate or fee at that time. (B) If you or we delink an account from your Prime Checking or Premier Checking account but other accounts remain linked, the loss of all benefits and the other consequences described above in (A) will immediately apply to the delinked account. Benefits available to your Prime Checking or Premier Checking account and any remaining linked accounts will continue. ←back to content

You won't be held responsible for promptly reported unauthorized transactions, subject to certain conditions. For more information, please review the applicable Wells Fargo Debit and ATM Card Terms and Conditions. ←back to content

Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. ←back to content

Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account enrolled with Zelle® through their bank. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle®–for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. 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, Small Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®. ←back to content

Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance. ←back to content

10.

Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name and logo. Wells Fargo may charge a fee for each withdrawal transaction made at a non-Wells Fargo ATM. The non-Wells Fargo ATM operator or network may also charge a fee. ←back to content

11.

For each debit card purchase in a foreign currency converted to a U.S. dollar amount by a network. ←back to content

12.

Outstanding Cashier's checks are subject to state or territorial unclaimed property laws.

If the cashier's check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo's approved insurance carrier or through an insurance carrier of the customer's choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier's underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies. ←back to content

13.

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 or transactions using other cards linked to your deposit account. Posting refunds, reversals, and credit adjustments to your account will continue. Any digital card numbers linked to the 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. ←back to content

14.

Digital wallets may not be available on all devices. ←back to content

*Wells Fargo has provided this link for your convenience but does not control or endorse the website and is not responsible for the products, services, content, links, privacy policy, or security policy of the website.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android, Google Play, Chrome, Pixel and other marks are trademarks of Google LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

PM-04202027-8518497.1.1

Prefer to open in a branch? Make an appointment. $25 minimum opening deposit required.

Find the best checking account for you

table header column one Everyday Checking

table header column two Clear Access Banking

table header column three Prime Checking

table header column four Premier Checking

Monthly service fee

table header Everyday Checking column one $15 or $0

table header Clear Access Banking column two $5 or $0

table header Prime Checking column three $25 or $0

table header Premier Checking column four $35 or $0

Minimum age to open

table header Everyday Checking column one 17 or older

table header Clear Access Banking column two. 13 or older

table header Prime Checking column three 18 or older*

table header Premier Checking column four 18 or older*

Checking features

table header row five Checks

table header row six Interest-Bearing Account

table header row seven Access to Premier Client Service

ATM and other fees

table header row one Wells Fargo ATM withdrawals

table header row two Non-Wells Fargo ATM withdrawals in the U.S.

table header row three Non-Wells Fargo ATM withdrawals outside the U.S.

table header row four Reimbursements for non-Wells Fargo ATM fee

table header row five International debit card purchase transaction fee11

table header row six Cashier’s checks12

table header row seven Money orders

table header row eight Stop payment

table header row nine Common fees for this account

Not sure which checking account is the best fit? Talk with a banker.