Wells Fargo Everyday Checking

Wells Fargo Everyday Checking  
Offered by: Wells Fargo
2.5 64 reviews   Write a Review!
1 2 3 4 5 Your Rating: Excellent
Info about the Wells Fargo Everyday Checking has been collected by WalletHub to help consumers better compare checking accounts. The financial institution did not provide the details.
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Wells Fargo Everyday Checking Rates

Range
$1+
Interest Rate
0%
APY
0%
  • MINIMUM TO OPEN $25

Wells Fargo Everyday Checking Fees

  • MONTHLY FEE None
  • MIN BALANCE TO AVOID MONTHLY FEE N/A
  • OTHER WAYS TO AVOID MONTHLY FEE N/A
  • PAPER STATEMENT
    FEE
    None
  • OVERDRAFT FEE $35
  • NEGATIVE ACCOUNT BALANCE FEE $0

Wells Fargo Everyday Checking ATM & Debit Card Usage

  • IN-NETWORK ATM TRANSACTION FEE None
  • ATM NETWORK SIZE 13000 ATMs
  • OUT-OF-NETWORK ATM TRANSACTION FEE $2.50
  • REBATE OF ATM OWNER SURCHARGE Not Offered
  • FOREIGN ATM FEE 3% (and $5)
  • DEBIT CARD VISA
  • DEBIT CARD FOREIGN TRANSACTION FEE 3%

Wells Fargo Everyday Checking Additional Info

  • REWARDS No
  • ONLINE BILL PAY FEE $0 per month
  • ADDITIONAL REQUIREMENTS The primary account owner must be 17 to 24 years old
  • $0 Monthly service fee for college-age students – when the primary owner of the account is 17-24 years old
  • Budgeting, cash flow, and spending tools, plus the convenience of direct deposit
  • Free access to more than 13,000 Wells Fargo ATMs
Apply Now
at Wells Fargo's
secure site

Wells Fargo Everyday Checking Interest Rate Tracker

Apply Now
at Wells Fargo's
secure site

The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Wells Fargo Everyday Checking to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

140

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Can I get an overdraft protection plan on an Everyday Checking account? Say I go to a store and I need an extra $50.00 but I don't have the funds in my account. Will the bank offer me that overdraft? Reply 31

Photo of WalletHub
WalletHub
@WalletHub

If you are interested in the overdraft protection plan, then the bank will transfer the funds from your linked savings account, line of credit account or credit card. For this transfer the bank will assess a $12.50 fee per each item. You can add the overdraft protection feature online here: https://www.wellsfargo.com/checking/overdraft-services/. You might be interested in the Debit Card Overdraft Service, which the bank will approve at its discretion, to pay for ATM and everyday debit card transactions. For this service there, is no fee if you make a sufficient deposit or transfer to cover a negative balance before the cutoff time on the same business day. If your account is overdrawn, the standard overdraft fee of $35 per item will apply. You can add this feature to your account online here: https://www.wellsfargo.com/checking/overdraft-services/.

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3 Upvotes

If I overdraft, will I be charged $35 everyday? Reply 2

Photo of WalletHub
WalletHub
@WalletHub

No, you will be charged a $35 fee per overdraft item.

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2 Upvotes

Do I get checks with a checking account? Reply 21

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WalletHub
@WalletHub

Yes, you will get a couple of checks with your new debit card after signing up and you can order some more checks afterward. Keep in mind that the checks that come with your checking account are personalized with your account number, not with your name. To find out more, you can call Wells Fargo’s customer service at:1-800-869-3557. Best of luck!

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2 Upvotes

What is the daily spending limit with an ATM card? Does that include withdrawn money from the ATM? Reply 1

Photo of lisacahill
Lisa Cahill
@lisacahill

Unfortunately, this information is not made available on Wells Fargo website. Please note that the daily spending limit does not include the ATM withdraw limit, these are two different limits. According to Wells Fargo website, you can find your card's limits by signing on Wells Fargo Online® to access View Account and Card Profile (https://www.wellsfargo.com/accountprofile) and select your card from the dropdown menu. You can also call the number on the back of your card or visit a local branch (https://www.wellsfargo.com/locator/). Hope this helps!

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1 Upvote

Wachovia gave each of us $1,000 Freelife and disability insurance with our checking account. Does Wells Fargo offer that? Reply 1

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WalletHub
@WalletHub

No, Wells Fargo offers a $100 bonus when opening an Everyday Checking account. To qualify for the bonus will need to make 10 debit card transactions or set up direct deposits of $500 or more within 60 days from opening the account. Please note that the promotional offer expires on 6/30/2016.

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1 Upvote

Why is my online statement not updated? Reply 1

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WalletHub
@WalletHub

Please call customer service at 800-956-4442 to inform the bank of this problem.

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1 Upvote

Can I deposit checks at the ATM? Reply 1

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WalletHub
@WalletHub

Yes, you can deposit checks at an ATM. If you deposit the check at a Wells Fargo ATM, the first $400 may be available on the day of the deposit, the rest of the deposit will be made available the next business day.

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1 Upvote

What is limit on checking a count withdrawls Reply

0 Upvotes

What is the Wells Fargo Everyday checking overdraft limit? Reply

Photo of sydneygarth
Sydney Garth
@sydneygarth

If you opt-in for overdraft protection and the debit card overdraft service, the overdraft limit is the amount of money you have in your linked accounts.

If you didn't opt-in for the debit card overdraft service, and don't have enough funds in your checking account, your debit card transaction will be declined.

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0 Upvotes

I transfer the money from savings to checking myself; is there a fee for that????? Reply

0 Upvotes
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  • Reviews

Wells Fargo Everyday Checking Reviews

Help fellow WalletHub members save money. Share your insights and review the Wells Fargo Everyday Checking:
Your Rating:
0
1 2 3 4 5
2.5
Overall Rating: 2.5 / 5
Total Ratings: 64
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    Photo of TaraJ37
    YesUsefulNo0
    2

    I started my checking account back when I was banking with Wachovia, and my checking at that tine was truly free--no minimum balances required to keep from paying monthly fees, lower overdraft charges, etc. When Wells Fargo bought Wachovia, my account was converted, and I haven't been all that happy with it since. They instituted the monthly fee for clients who don't have direct deposit or maintain a (somewhat ridiculous) minimum monthly balance. They raised the fees for overdrafts significantly. They seem determined to take more of my money every month while claiming to be "free" than their predecessor did. But the part I find most irritating is that the completely user-friendly and transparent online account that I like so much when I banked with Wachovia was replaced with a system that makes it really difficult to keep track of your actual balance. Their balance alert system, which I am signed up for via text, is also sometimes delayed nearly twenty-four hours before I receive an alert after my balance changes; someone who had stolen my debit card could have had a field day in that amount of time before I ever received notification. All in all, not recommended and the only reason I haven't sought out a new bank is that moving accounts is a hassle I simply don't have time for at the moment.

    November 12, 2015 · Report Abuse
    Photo of amanda_pratt_925
    YesUsefulNo0
    3

    I have had Wells Fargo accounts in the past. I really enjoyed the customer service at my local branch. Unfortunately, the monthly fees to me are ridiculous. I live paycheck to paycheck and couldn't keep a certain amount maintained in my account to avoid to the service charges, so in the end it made me search for another branch. I do have to say the customer service is on point at every Wells Fargo I ever visited though!

    July 28, 2015 · Report Abuse
    Photo of Nichols
    YesUsefulNo0
    2

    I've been a customer of Wells Fargo since I was 8 years old. It was called "Central Fidelity" back then, switched to Wachovia and then Wells Fargo. Overall, their business practices are pretty standard within the industry. They are a for-profit company and it shows. One of their most frustrating practices though, is that each morning, they put through debits to the account before they put through deposits. This means that if you've setup a transaction to debit knowing you have a deposit to back it up, you could potentially overdraft. I find this to be shady and deceptive. They act like they care about the consumer but their practices say otherwise.

    July 23, 2015 · Report Abuse
    Photo of Brando348
    YesUsefulNo0
    3

    This account is pretty good overall. However, I have had some issues with meeting the requirements for it to be free. I have to have an automatic transfer of $25 from this checking account to my savings account every month, which to be honest is really annoying. I forgot about this automatic transfer one month and made some purchases with my debit card, which resulted in my account being overdrawn. Thankfully, Wells Fargo was very understanding about the situation and reversed my overdraft fees for me. I wouldn't recommend this account unless you don't mind having an auto transfer happen every month.

    July 6, 2015 · Report Abuse
    Photo of candiceh1
    YesUsefulNo0
    1

    Wells Fargo is the biggest nickel and dime you to death bank I have ever had the misfortune of dealing with. And then, when they "mistakenly" deposited my pay check into someone else's account, that was the last straw. I left and never turned back. Well I should say I left and never turned back after almost 2 weeks of haggling to get MY money put into MY account. Just avoid at all costs.

    June 1, 2015 · Report Abuse
    Photo of gregfabbo
    YesUsefulNo0
    2

    I used to be with wells fargo because my parents had an account there and they liked it. The main issue I had was that unless you keep thousands in your account at all times, you may run into problems. Occasionally I would notice that I would be charged a $10.00 monthly fee to my checking account, for no good reason other than because I didn't have a lot of money in there. I mean how does that even make sense? Charge me more money because I don't have a lot in there? I left wells fargo and went with a credit union that doesn't try to nickle and dime me.

    May 5, 2015 · Report Abuse
    Photo of carrie_throckmorton
    YesUsefulNo0
    4

    I have had the same checking account since 1985 - it has bounced around between Central Fidelity, Jefferson Bank, Wachovia, and has now landed at Wells Fargo. Overall, the experience with Wells Fargo has been pretty good- they have great customer service and also worked with me one on one when I had an identity theft issue. I would prefer a checking account with a better interest rate, but otherwise I am content where I am.

    April 17, 2015 · Report Abuse
    Users also submitted 57 ratings without a full review
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