Compare Wells Fargo Checking Accounts
Please find below checking accounts offered by Wells Fargo.
Wells Fargo Everyday Checking

- $0 Monthly service fee for college-age students – when the primary owner of the account is 17-24 years old
- Overdrafts: No fee on items $5 or less; $35 thereafter
- Free access to more than 13,000 Wells Fargo ATMs
Wells Fargo Clear Access Banking

- Best for students 13-24 years old
- No check writing ability
- No overdraft or non-sufficient funds (NSF) fees
- Access to approximately 12,000 Wells Fargo ATMs using your contactless debit card or digital wallet
Wells Fargo Initiate Business Checking Account

- Cash deposits: No fee for the first $5,000 cash deposits processed each fee period. After $5,000, it's $.30 per $100 deposited
- No fee for the first 100 total transactions each fee period. After 100, it's $0.50 per transaction
- Extensive network including more than 12,000 ATMs
Wells Fargo Navigate Business Checking Account

- Free 2 domestic (U.S.) non-Wells Fargo ATM transactions per fee period
- No fees for stop payments, cashier's checks and money orders
- No fee for incoming domestic and international U.S. and foreign currency wire transfers, plus the first 2 outgoing domestic wire transfers per fee period
- Cash deposits: No fee for the first $20,000 in cash deposits processed each fee period. After $20,000, it's $0.30 per $100 deposited
- No fee for the first 250 transactions each fee period. After 250, it's $0.50 per transaction
- Extensive network including more than 12,000 ATMs
- Interest-earning checking account. Call Wells Fargo for current rates / APY
Wells Fargo Prime Checking

- No fee for incoming wire transfers
- No fee for cashier's checks or money orders
- Reimbursed fee charges from non-Wells Fargo ATM – 1 U.S. and 1 international reimbursed per fee period
- 1% discount on exchange rate for foreign currency purchases
- More than 12,000 Wells Fargo ATMs to help you bank locally and on the go
Wells Fargo Checking Accounts Reviews
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I went to deposit a dividend check for my 89-year-old mother who receives the same check quarterly. I included my mother's WF bank card with the check. The woman asked if I was Jerry, my mother's name, and I said no but I and my brother are also named on the account and I told her so. She asked for my WF bank card, which I do not carry, and the check was for my mother anyway. She said she could NOT DEPOSIT the check because my mother was not present. I offered my mother's DL in addition and she still refused. She wanted a deposit slip, filled out, even though she was looking at the account on her screen. I was very upset that she could not deposit the check and demanded it back. I drove to the next Wells Fargo Bank and the deposit was accepted immediately.
There is no reason for a teller to refuse a DEPOSIT! I will not be using that location in the future and I am seriously considering closing the account.
To add insult to injury, while I was standing there for about 10 minutes, she never said she would not attend to me. I raised my voice on the BS service being offered. She ran into her manager's office. I thought she may have a solution, but guess what? She blamed her appt system for giving me a false promise.
I couldn't believe this, but it happened. A Fortune 500 company?
First it was trying to open an account for my teenage daughter, making a apt was [email protected]& near impossible to do and walking in and no bankers because they all were off?
Now trying to activate her card and set up apple pay and this long verification because we are on speaker phone? Im also on her account? Im literally going to cancel our acts since this has been the most inconvenient old school type bank that maybe is more so for older people because the lack of ability to do things online is incredibly inconvenient and ive yet to have a positive experience and I went back to them after leaving years ago thinking it’s improved but it has gotten worse. I like to have 2 separate banks one for my self employed items and the other for everything else navy federal and they are amazing, no issues.
I highly advise not working with wells if you like the convenience of doing everything online, there really far behind ither company’s and there service is aweful and rude, but very experience so far and im just really over it after this phone call to activate a card today!
The call came from 800-869-3557 (Wells Fargo number) He had all my information and asked that I repeat a code that he is sending.
All my money ($24,500) was wired to some account on another bank.
Wells Fargo was unwilling to refund my money saying that a wire is not covered under their policy. After complaining I got a call from Mary Johnson at the executive branch (who sent me a code and asked me to read it back) She said she doesn't agree with the decision of their claims department but there is nothing she can do.
I believe this was an inside job. My account information is on my computer and my phone. I didn't lose any device. I have antivirus protection, and I just deposited this money into my checking account a day earlier to pay for my brother's funeral expenses.
Stay away from this bank. Your money is at risk! If this happens to you, don't expect any help from the bank. You will waste hours on the phone with multiple support people that will transfer you between departments hoping that you give up.
Wells Fargo Checking Accounts Q&A
Get answers to your questions about Wells Fargo Checking Accounts below. For more general questions, visit our Answers section.
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Can I get an overdraft protection plan on an Everyday Checking account?
How much do you need to open an account?
I moved to Fort Knox, KY and there are no Wells Fargo banks anywhere around. Are my ATM transactions waived? If not, what's the cost?
If I overdraft, will I be charged $35 everyday?
How can I open a Wells Fargo account?
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