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as of March 5, 2024
You can open a checking account online or in-person at a Wells Fargo branch. You must be 18 or older to apply online. 17 and under must open at a branch.
No matter how you apply, you'll need:
- Your Social Security number
- Valid ID (driver's license, state ID, Consular ID)
- Current residential address
- $25 opening deposit
IDs required to open (plus co-applicant's information if applicable).
Joint checking accounts must be opened at a branch. Make an appointment to get started.
You need the same information that is required to open an individual checking account, but you’ll need it for both applicants. IDs required to open
Enroll in Wells Fargo Online from your desktop or mobile device for secure online access to your accounts. Once you’ve enrolled, you’ll receive an email confirmation, and you’ll be ready to sign on and manage your accounts. You can also download the top-rated Wells Fargo Mobile® app in the Apple App Store or Google Play and manage your banking from anywhere.
There are a few ways to access your routing and account numbers:
- We can help you find both at Routing Numbers and Account Numbers.
- You can find your routing and account numbers after logging into your Wells Fargo Mobile® app or Wells Fargo Online® banking account or on any paper statements you have.
- If you have physical checks, you can look at the bottom left corner of the check. The first 9-digit set of numbers is your routing number. The second set of numbers is your account number, which can vary in length from 9 - 13 digits.
Setting up Direct Deposit is easy and only requires three steps:
- Step 1: Use our pre-filled form. Sign on or use our Wells Fargo Mobile® app to create your customized Direct Deposit guide. Select the account you’d like your deposits to go to, and we’ll pre-fill the form with your routing number, account number, and account type. You can also download a blank Direct Deposit/Automatic Payments Set-up Guide (PDF) and fill in the information yourself.
- Step 2: Provide the information on the completed form to the company or agency that pays you. Your payor may ask you to complete their own form in order to process your request.
- Step 3: Monitor your account. It may be one or two pay or benefit periods before Direct Deposit goes into effect.
Yes, all Wells Fargo checking account funds are FDIC-insured up to the maximum applicable limit.
Visit our FDIC Insurance page to learn more.
Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.
If you convert from a Wells Fargo account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.
Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts.
The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
(A) If your Prime Checking or Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Prime Checking or 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 Prime Checking or 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 Prime Checking or Premier Checking account and any remaining linked accounts will continue.
With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.
Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.
See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Investment and Insurance Products are:
- Not Insured by the FDIC or Any Federal Government Agency
- Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company, and Members SIPC (Wells Fargo has provided this link but does not control or endorse the website and is not responsible for the content, links, privacy policy, or security policy of the website.).
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RSNIP-09202025-6492749.1.1
LRC-0324
