What is everything I need to open a checking account? Can I use my tax return to open the account? I do not have an extra $50 to use to open it. Would I be able to get a debit card, not just an ATM Card? What's the minimum I have to have in my checking before charges or being closed? Is there a way around the monthly fee?

To open a “Wells Fargo Everyday Checking account” you will need a social security number, a valid ID (driver’s license, state ID, Matricula card) and a $25 opening deposit when applying online (a $50 opening deposit is required when applying at a Wells Fargo branch). For the opening deposit you can transfer money from a non-Wells Fargo account, use a credit card, or via a check or money order by mail or in person. You will receive a Platinum Debit Card. To avoid the monthly maintenance fee of $10 dollars you need: 10 debit card purchases/ payments per month, or qualifying total direct deposits of $500 (salary, pension, Social Security, or other regular monthly income electronically deposited to your Everyday Checking account by your employer or an outside agency), or a $1,500 minimum daily balance, or a linked Wells Fargo Campus ATM or Campus Debit Card.”