Personalized banking designed to help you reach your goals

Upgrade to a Wells Fargo Premier Checking account to gain access to a dedicated team from Wells Fargo Bank and Wells Fargo Advisors, plus exceptional benefits.^1,2

2. (A) If your Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the 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 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 Premier Checking account and any remaining linked accounts will continue.

3. Unless otherwise noted, stated benefits apply only to the Premier Checking account and not other linked accounts.

4. All loans are subject to application, credit qualification, income verification and, if applicable, collateral evaluation. Programs, rates, terms, and conditions are subject to change without notice. The interest rate discount requires a qualifying Wells Fargo consumer checking or savings account and automatic payments set up from qualifying Wells Fargo checking or savings account. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one interest rate discount may be applied per application. Talk with your banker, or refer to product information online at wellsfargo.com/relationshipdiscountopens new window, to learn what requirements apply to your specific loan.

5. A 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 CDs, the change will occur upon renewal. To receive a Relationship Interest Rate/Relationship APY, the eligible savings account or CD must remain linked to a Prime Checking, Premier Checking or Private Bank Interest Checking account. Upon linking, or switching a linked account to an eligible savings account, it may take up to two business days for the Relationship Interest Rate to be applied to your eligible savings account. CDs must be linked at account open and/or at every renewal.

6. 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.

7. Whether or not the wire transfer fee is waived, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar. The applicable exchange rate may vary based on such factors including, but not limited to, currency pair, transaction size, payment channel and product type, such as foreign currency cash, checks, remittances, and wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

8. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the “Applicable Exchange Rate” and “Incoming international wire transfer” sections of the Deposit Account Agreement.

9. Fees may be charged by third parties or other banks, in addition to those described above.

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

11. Wells Fargo Premier is not required for clients to qualify for Wells Fargo’s asset-based relationship pricing. Discount not eligible with FHA and VA loans.

12. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch.

13. In addition to any applicable fees, we make money when we convert one currency to another currency for you. The exchange rate used when we convert one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate we provide to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. We’re your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

14. Some benefits may also be available with other products.

15. WellsTrade brokerage accounts are offered through Wells Fargo Clearing Services, LLC.

16. Intuitive Investor accounts are offered through Wells Fargo Clearing Services, LLC.

17. Wells Fargo Wealth & Investment Management offers financial products and services through affiliates of Wells Fargo & Company. Investment products and services are offered through Wells Fargo Advisors, a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC  opens new window***, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Banking products and services provided by Wells Fargo Bank, N.A.