Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

Wells Fargo Prime Checking

CA, 94105 Change Location

Your money. Your way.

Get an interest-bearing checking account with more benefits
Open with $25

Benefits that matter

Prime Checking includes benefits that allow you to save on transactions and get more for your money where it matters most.

Earn interest while saving

Get a Relationship Interest Rate on eligible linked CDs and savings accounts,

Avoid fees for common services

Pay no fees for select banking services, such as incoming wire transfers,,

Get interest rate discounts on select new loans

Save with a relationship discount

Get unlimited phone support

24/7 phone support for all your banking needs


Prime Checking benefits

Relationship Interest Rates, ATM fee waivers, and discounted banking services,


Relationship benefits

  • Interest rate discounts on select new loans
  • Relationship Interest Rate for eligible linked savings accounts and CDs,
  • Waived fees on linked accounts – monthly service fees waived on certain linked checking and savings accounts


ATM fee waivers

  • No Wells Fargo ATM fee for cash withdrawals, balance inquiries, or account transfers at any ATM (non-Wells Fargo ATM fees may apply),
  • Reimbursed fee charges from non-Wells Fargo ATM – 1 U.S. and 1 international reimbursed per fee period,


Banking discounts and fee waivers

  • No fee for incoming wire transfers,, (normally $15)
  • No fee for cashier's checks or money orders
  • No fee for Wells Fargo Personal Wallet checks
  • Discount on safe deposit box rental, where available
  • No fees for monthly check safekeeping or image statements
  • 1% discount on exchange rate for foreign currency purchases when purchasing foreign currency through the Wells Fargo Foreign Currency call center, online at wellsfargo.com, or when exchanging foreign currency at a Wells Fargo branch.

Earn interest with Prime Checking


Wells Fargo Prime Checking interest rates

Current interest rates

Balance Standard Interest Rate Annual Percentage Yield (APY)
$0 or more 0.01% 0.01%

The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period (366 in a leap year).


Prime Checking fees and details


Monthly service fee $25 monthly service fee can be avoided with $20,000 or more in statement-ending qualifying balances in your linked accounts.
Minimum balance No minimum daily balance required
Minimum to open $25 minimum opening deposit
Overdraft services Wells Fargo offers convenient ways to help you stay on top of your account and keep track of your balance to avoid overdrafts.
Other fees Quick view of account fees (PDF)
Age requirements to open Must be 18 or older (19 in AL)
See what you'll need
How to switch a current Wells Fargo checking account No need to change your account number, contact your personal banker to get started: 1-800-742-4932
How to open a Prime Checking account Open now

Make an appointment at a branch

Do more with the Wells Fargo Mobile® app and Prime Checking

””

4.8/5 Stars on the App Store and 4.6/5 on Google Play as of March 13th 2022


Mobile deposit

Skip the lines and deposit checks right from your smartphone

Digital wallet

Add debit and credit cards to your mobile device to tap and pay

Zelle®

Send and receive money in minutes

Bill Pay

Pay bills from nearly anywhere

Biometric authentication

Sign on to the mobile app with your fingerprint or face

Card control

Turn credit and debit cards on or off


Along with all the features of a Wells Fargo checking account


Online banking with all the banking tools you need

Contactless debit card for fast, secure payments and Wells Fargo ATM access

More than 12,000 Wells Fargo ATMs to help you bank locally and on the go

24/7 fraud monitoring plus Zero Liability protection



From Wells Fargo Advisors


Hands-on control with online trading

With a WellsTrade® online brokerage account from our affiliate Wells Fargo Advisors, Wells Fargo customers get unlimited $0 online trades for stocks (excluding penny stocks) and ETFs. For Prime Checking & Premier Checking customers, we'll waive the WellsTrade household annual fees,,

WellsTrade Online Brokerage


Automated investing plus personal guidance

Get a discount of 0.05% off the 0.35% advisory fee,, for Intuitive Investor® from Wells Fargo Advisors. You'll get a diversified portfolio, combining tech-enabled investing with the help you need, when you need it.

Intuitive Investor

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

Brokerage 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, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. WellsTrade brokerage accounts and Wells Fargo Advisors Intuitive Investor investment accounts are offered through WFCS.



The right guidance can help you make your goals a reality

Wells Fargo can connect you to professionals who will work with you to help build a customized plan for the future you want. Your financial professional can offer personalized guidance based on your specific needs and goals.

Wealth management services


Combine accounts and investments


Avoid the $25 monthly service fee with $20,000 or more in statement-ending qualifying balances in your linked Wells Fargo deposit accounts and investment accounts.


Deposit account balances include:

  • Checking
  • Savings
  • CDs (time accounts)
  • FDIC-insured IRAs

Investment account balances include:

  • Brokerage available through our brokerage affiliate Wells Fargo Advisors,
  • Applicable bank fiduciary and custody accounts
  • Annuities,
  • Eligible foreign exchange transactions


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






Brokerage 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, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.


Prime Checking FAQs

How do I open an account?

You can apply online or in person:

  • In just minutes you can apply through Wells Fargo Online® for a Prime Checking account.

Or visit a Wells Fargo branch near you.

Is there a way to avoid monthly service fees?

You can avoid the $25 monthly service fee with $20,000 or more in statement-ending qualifying balances in your linked accounts.

What happened to the Portfolio by Wells Fargo program?

Prime Checking replaces Portfolio by Wells Fargo SelectSM.

How do I access my Wells Fargo accounts online?

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.

See more Banking FAQs



Already a Wells Fargo checking customer?

Switch your Wells Fargo checking account

No need to change your account number. You'll just need to connect to a banker to get started. Contact us at 1-800-742-4932.


Still have questions?

Chat

For questions about new accounts:

Call Us

For existing accountholders or questions:
1-800-869-3557

Find a Location

Find an ATM or banking location near you.

Make an Appointment

Make an appointment with a banker.