Need to write checks? Everyday Checking makes it simple.
We’ve got you covered with optional Overdraft Protection.3
Our Wells Fargo Mobile® app gives you fast and secure access to your finances.
Monthly service fee
$7 (or $5 if enrolled in online statements)4 each fee period
You can avoid the $7 monthly service fee with one of the following each fee period:
$10 each fee period
You can avoid the $10 monthly service fee with one of the following each fee period:
We’ll waive the $10 monthly service fee for the first two fee periods after your account changes so that you can make any adjustments, if needed, to avoid the fee before this time period ends.
On May 20, 2024, your Essential Checking account will be changing to Everyday Checking.
Why are you changing my account?
Will my account number or routing number change?
Your account number and routing number will remain the same. You can find your account and routing numbers in Online Banking under “Routing and Details”. Or use the guide here: Routing & Account Number Information for Your Wells Fargo Accounts.
I currently have direct deposit and scheduled bill payments with my checking account. Will I need to set these up again?
All of your current direct deposits and bill payments will continue uninterrupted in your Everyday Checking account.
What remains the same?
Are there other benefits with Everyday Checking?
Interested in a different account? Switch accounts online. Sign on and go to your Essential Checking account. Select Account details, Manage account tab, and scroll down to select “Switch checking accounts”.
For questions or to make changes to your account, call us at 1-877-924-9739.
1. Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.
2. Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers a protection program for authorized payments made with Zelle®. The Request feature within Zelle® is only available through Wells Fargo using a smartphone. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement.. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.
3. Subject to account eligibility requirements.
4. Online Statements require Adobe® Acrobat® PDF reader. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. The length of time the specific product statements are available online can be found in Wells Fargo Online® in Statements & documents. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
5. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
6. A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠Service Mark Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g. an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.
7. When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.
8. You will receive your Worldwide Military Banking program benefits 45 days after your qualifying non-civilian military direct deposit is deposited into your eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit, program qualifications and benefits, please visit wellsfargo.com/military/worldwide-military-banking or wellsfargo.com/depositdisclosures.
9. A qualifying non-civilian military direct deposit is a direct deposit of your salary, pension, or disability benefits electronically deposited from Department of Defense/Defense Finance and Accounting Service (DOD/DFAS), Department of Veterans Affairs/Veterans Benefits Administration (VA/VBA), or U.S. Department of the Treasury from any branch of the United States military into an eligible checking account. Transfers from one account to another, mobile deposits, Zelle® , or deposits made at a branch or ATM don’t qualify as a direct deposit. You will receive your program benefits 45 days after your qualifying non-civilian military direct deposit is deposited into your checking account. Prime Checking and Premier Checking accounts are not eligible for this program.
10. These benefits will take effect within 45 days following the linkage of your Campus Card to a Clear Access Banking or Everyday Checking account. Your account must be linked to an open, active Wells Fargo Campus Card to remain eligible and receive these benefits. Benefits will end 60 days after your Campus Card is no longer linked and the Bank’s standard Clear Access Banking or Everyday Checking account terms and fees apply. For more information, please refer to the Wells Fargo Consumer Account Fee and Information Schedule or see a Wells Fargo banker.
11. Fees charged by non-Wells Fargo ATM operator or network may apply.
12. In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you.
The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup.
The markup is designed to compensate us for several considerations including, without limitation, cost incurred, market risks,
and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees.
The exchange rate Wells Fargo provides to you may be different rates you see elsewhere. Different customers may receive different
rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency
cash, drafts, checks, or wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions,
liquidity, and risks. Wells Fargo is your arms-length counter-party on foreign exchange transactions. We may refuse to process any request for
a foreign exchange transaction.
Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using
the applicable exchange rate without prior notice to you.
For additional information related to Wires and foreign currency wires, please see the Online Access Agreement.
13. 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). 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.
14. With Extra Day Grace Period, when your personal account is overdrawn, you have an additional business day (extra day) to make covering deposits and/or transfers to avoid the prior business day’s overdraft fees. If your account’s available balance as of midnight Eastern Time on your extra day is enough to cover the prior business day’s overdraft items, the pending overdraft fees for those items will be waived. If your available balance as of midnight Eastern Time is enough to cover some, but not all, of the prior business day’s overdraft items, we’ll apply your available balance to the transactions in the order that they posted to your account. Any transactions not covered by midnight Eastern Time are subject to applicable overdraft fees. All deposits and transfers are subject to the Bank’s Availability of Funds Policy. Please see the Wells Fargo Deposit Account Agreement for more details.
15. With Early Pay Day, the Bank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. See our Deposit Account Agreement for more details.
16. Sign-up may be required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
A fee period can have 25 to 35 days. The fee period is used to calculate the monthly service fee and doesn’t always match a calendar month. Monthly fees are calculated and posted on the last business day of the fee period. The summary for each fee period details includes:
To view your fee period, sign on to Wells Fargo Online® or Wells Fargo Mobile®5 and go to the Monthly Service Fee Summary within your specific account.
This information is also located on your checking account statement in the section called Monthly Service Fee Summary.
5. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
QSR-03052025-5928669.1.1
LRC-0723
