Our most popular checking account for managing day-to-day financial needs
Bank conveniently
Most popular account with access to mobile deposit,1 Bill Pay, Zelle®,2 and contactless debit card.
Write checks
Need to write checks? Everyday Checking makes it simple.
Enjoy peace of mind
We’ve got you covered with optional Overdraft Protection.3
Banking in the palm of your hand
Our WellsFargo Mobile® app gives you fast and secure access to your finances.
Monthly service fee
Current account
Essential Checking
$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:
- $1,500 minimum daily balance
- $500 or more in total qualifying electronic deposits6
New account
Everyday Checking
$10 each fee period
You can avoid the $10 monthly service fee with one of the following each fee period:
- $500 minimum daily balance
- $500 or more in total qualifying electronic deposits6
- The primary account owner is 17 – 24 years old7
- A linked WellsFargo Campus ATM Card or Campus Debit Card
- A qualifying monthly non-civilian military direct deposit with the WellsFargo Worldwide Military Banking program8
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.
Frequently asked questions
What is happening and when?
On May 20, 2024, your Essential Checking account will be changing to Everyday Checking.
- The Everyday Checking account offers similar benefits to your current account and there will be no changes to your account number, online/mobile banking access, existing checks, debit card, direct deposit, or bill payments.
- The monthly service fee for your Everyday Checking account will change to $10 but you’ll have some new ways to avoid it, such as a decreased minimum daily balance requirement from $1,500 to $500.
Why are you changing my account?
- We’ve updated our checking accounts to better meet the needs of our customers; therefore, we no longer offer Essential Checking accounts.
- Your updated account will give you continued access to the benefits which are important to you.
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 WellsFargo 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?
- You can continue to use your WellsFargo Debit Card to make purchases and payments, and to get cash and manage your money at ATMs.
- You can still use the WellsFargo Mobile® app5 with your account.
- You can continue to use your existing checks.
- Worldwide Military Banking ATM benefits will continue to apply if you maintain a qualifying military direct deposit.9
- Your account and routing numbers will not change, and your direct deposits and automatic bill payments continue uninterrupted in your Everyday Checking account.
Are there other benefits with Everyday Checking?
- With your new Everyday Checking account, you can now receive the following benefits10 each fee period if you link your account to a WellsFargo Campus ATM Card or Campus Debit Card:
- No monthly service fee charged
- No WellsFargo fees for up to four cash withdrawals from non-WellsFargo ATMs in the U.S.11
- Courtesy refund of one incoming wire transfer fee12
- No fee charged for one overdraft13
Additional FAQs
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.
Other features
Both accounts provide convenient ways to help you stay on top of your account to avoid overdrafts, including Extra Day Grace Period,14 Early Pay Day,15 and multiple balance alert16 options.
Have questions?
Check out our Frequently Asked Questions
FAQs
1. Mobile deposit is only available through the WellsFargo 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 WellsFargo’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 WellsFargo 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 WellsFargo nor Zelle® offers a protection program for authorized payments made with Zelle®. The Request feature within Zelle® is only available through WellsFargo 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 WellsFargo Online Access Agreement.. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to WellsFargo 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 WellsFargo 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 WellsFargo 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 WellsFargo 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 WellsFargo Consumer Account Fee and Information Schedule or see a WellsFargo banker.
11. Fees charged by non-WellsFargo ATM operator or network may apply.
12. In addition to any applicable fees, WellsFargo makes money when we convert one currency to another currency for you. The exchange rate used when WellsFargo 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 WellsFargo 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. WellsFargo 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 WellsFargo 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.
