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For customers who are unable to open standard accounts.
For Opportunity Checking accounts, some online and mobile banking features, including person-to-person money transfer features, are not available.
No overdraft fee will be assessed on ATM and everyday debit card transactions (transactions may be declined).
Mobile Deposit is not available with Opportunity Checking or Savings.
Enjoy convenient access almost anywhere you go. With Wells Fargo you get free access to more than 13,000 Wells Fargo ATMs, and approximately 5,800 branches.
Convenient branch locations in the Washington DC area. Mobile phone access for ATM withdrawals is a helpful feature. Monthly checking account fee is still pretty high if you do not maintain a minimum balance. Customer service has improved significantly since the scandals from two years ago - responsive to email inquiries.
This bank has been good to me. They are always friendly and helpful. My local branch in Salem, OR has the best staff!! They always go above and beyond in the rare occurrences that I've had a problem.
I had a checking account with WellsFargo for >5years and found it the worst banking experience. - There's a monthly fee ($14/mo as of March 2019) for not keeping a $7,000 minimum balance in an account, which is higher than any other bank. Most banks have a minimum balance, but the highest I've seen is $2,000 before charging fees. Even the fees with other banks are much lower, like $5/mo. - Customers are charged for new cards when they lose old cards. Most banks don't do this. - Customers are charged for new checks when then finished their old checkbooks. Most banks don't do this. - When calling customer service, there is a long wait and sometimes multiple transfers, where the customer has to repeat their information with each new person, or even from the voice-automated system to a person. - Customers are not refunded anything for out-of-network ATM charges. Most banks offer some reimbursement per month, as much as $20/mo, or are free of charge altogether (which is rarer).
These practices are hostile to the customer, and completely characteristic of WellsFargo when you read the news. There are so many other GREAT banks out there. Even ones that offer a cashback or small interest rate on your CHECKING account. Certainly, even the most average banks do not charge as many fees or demand such high deposits. I want to put my money to use. $7,000 in a checking account is too high. Most of that can go to a decent savings account or low-risk short-term equity. WellsFargo is the WORST. I'm going to close my business account with them as well.…show more
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Extremely unhelpful and hard to work with. Customer service is hit or miss, sometimes you get someone decent and sometimes not, but banker is never able to work with you at all because of their "policies". Statements that I needed in a timely manner for closing on a house never arrived and had to be reordered and ended up taking several weeks to arrive. Will definitely be taking my business elsewhere.
Worst customer service and Co. ever. See "Better Business Bureau" profile and reviews. 1 star rating and 5 "GOVERNMENT ACTIONS" against them as of 1-17-2019! from "BBB" site 1-17-2019
#1 Government Action-CA Attorney General "failure to disclose recording of calls" On March 28, 2016 #2Government Action-CFPB "opening unauthorized accts" On Sep. 8, 2016 #3 Government Action-CFPB "Private Student Loans" On August 22, 2016 #4Government Action-"OCC v. Wells Fargo" Bank N.A. On April 20, 2018, #5Government Action-"USDOJ Settlement Agreement" On August 1, 2018 These are just the latest, also Judgement for 200+ million for transaction stacking & Action against them for "Mortgage Discrimination against Minorities" used to show up on BBB as well but in appeal or otherwise now. Welcome to Wells Fargo!!!…show more
I am just curious, why does Wells Fargo "punish" customers for immediately correcting their accounts?
Let me give you a fine example.....I go to a Wells Fargo ATM every 2 weeks on the dot to deposit my paychecks from work. EVERY time I make the deposit, I see on the receipt and online that my money is available IMMEDIATELY - right at that moment. This is always always the case. However.....this week, during my super busy week, I made a slight error in balancing and therefore got slightly overdrawn. So, the very next day I IMMEDIATELY corrected my mistake by depositing a check into the WF ATM like usual. However what happens THIS time?? THIS time the funds are NOT fully immediately available making me STILL overdrawn even though IF the funds were immediately available then I would NOT be overdrawn. These are the moments where us customers need the funds to be available immediately, NOT when everything is okay and dandy, but in moments like these. Whoever is in charge of making the rules within the banking system needs to realize this on a moral level.
It gives me bad memories of WAY back in the early 2000's where if I made one, just one slip in a purchase causing my account to be a tad overdrawn, it would charge a fee not for just that one transaction that caused it but for EVERY pending transaction which was highway robbery sometimes resulting in MULTIPLE fees in one day of $35 rather than just that ONE transaction that caused the error. Don't get me wrong, Wells Fargo doesn't do this anymore (thank God) but it's moments like this week that make me question the morals of this bank.
I think within these next weeks I'll look into switching to Chase bank, which my family loves. A company's morals reflect loudly on the customer experience.…show more
Within weeks after I opened an account with them, I started getting promotional mail from other banks that couldn't have gotten my information from anyone other than Wells Fargo.
I made the mistake of not reading their privacy policy more thoroughly which states they'll do whatever they want with your information and you cannot do anything about it.
Look at it here https://www.wellsfargo.com/privacy-security/privacy/individuals/
They also won't tell you about their selling of your information unless you either directly ask or you look it up yourself.
Don't bank here if you care about privacy or if you care about banking somewhere with morals.…show more
My wife was victim of racial profile and discrimination by one Wells Fargo employee from 120 W. Nolana st. McAllen, TX 78504 branch (956) 992-7350 when contacted the supervisor I was offered an apology from the supervisor but not from the employee because she refused to do it that’s the reason I closed my bank account.
Wells Fargo just lost a very long time customer today. We received a visit from adult protective services. Because I tried to cash a check on my husband's account last week and they couldn't verify it with him over the phone. Seriously? My husband is disabled and isn't able to make it into our local branch to add me to his account. These people really have some nerve. They weren't concerned for his welfare. They were more concerned about me being a criminal than anything. All over a $300.00 check. They could of cost my husband everything. We will be transferring everything out of his account and closing it today. Horrible horrible horrible.…show more
In the event that in a given week, for this product, there were 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 with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.
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