Last Updated: 01/21/2026
SuperMoney User Recommendation Score 0
Mostly recommended43 total votes
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Highlights
Community Rating
Mostly recommended
Welcome Offer
$325(Verified 04/14/2025)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A(Verified 04/14/2025)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $10(Verified 01/21/2026)
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Number of Reviews
Wells Fargo Everyday Checking Account Review
The Wells Fargo Everyday Checking Account is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo Bank checking is available in 39 states and Washington, DC.
Key Takeaways
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Waivable monthly maintenance fee. The Everyday Checking account monthly service fee is $10. Visit the offer webpage for ways to avoid the monthly service fee.
- No ATM fees. Wells Fargo Everyday Checking Account does not charge fees on ATM transactions within its network but there is a fee of $2.5 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Wells Fargo Bank mobile or online banking.
Wells Fargo Bank checking Pros & Cons
| Pros | Cons |
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Wells Fargo Bank checking FAQ
Are checking accounts from Wells Fargo Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Wells Fargo Bank checking offer?
Wells Fargo Bank checking is not an interest-bearing account.
Not an interest bearing account.What are the account minimums for Wells Fargo Bank checking?
Wells Fargo Bank checking requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Wells Fargo Bank checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $10.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $31 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $16 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | The Everyday Checking account monthly service fee is $10. Visit the offer webpage for ways to avoid the monthly service fee. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Wells Fargo Bank checking charge overdraft fees?
Yes, Wells Fargo Bank checking charges a $35 fee for every overdraft.What features and perks does Wells Fargo Bank checking offer?
This account includes the following features:
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Fraud monitoring - Wells Fargo Bank checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Wells Fargo Bank checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Wells Fargo Bank checking?
The customer support email for Wells Fargo Bank checking is corporateresponsibility@wellsfargo.com.
How do people rate the customer service and user experience of Wells Fargo Bank checking?
Overall, Wells Fargo Bank checking is mostly recommended based on community reviews that rate customer service and user experience.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$0 - $5
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$0 - $35
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$0 - $25
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
-1000+100
No one recommends
Everyone recommends
Wells Fargo Everyday Checking Account Community Reviews
Would you recommend Wells Fargo Everyday Checking Account to your friends?
JC
Jade C.
Oct 26, 2023
May or may not recommend
I had used this particular WF checking account for years and find it perfectly adequate. There is a monthly service fee of $10, but there are a few different ways to avoid paying it. If you maintain a $500 balance or are between certain ages, you're all set. The minimum balance used to be higher, so it's great that they lessened it. If you are a younger student, this is ...Show More
KU
Kyle U.
Jan 23, 2023
May or may not recommend
I have only had positive experiences with Wells Fargo checking over the 10+ years I have been using them for my core banking functionality. I do not have a monthly fee or balance requirement and their phone service is remarkably quick.
MJ
Molly J.
Oct 19, 2022
May or may not recommend
I've only ever used Wells Fargo to bank with, but I'd still recommend them. I've never had any issues. Whenever I've opened, closed, or changed accounts the process has always been quick and easy. It'd be nice if there wasn't a required amount that had to be in my account without getting a fee though.
AB
Anthonia B.
Oct 13, 2022
May or may not recommend
I like and trust the bank, no fees to have the account and I feel well treated when I need anything.
EG
Eden G.
Aug 17, 2022
May or may not recommend
I’ve been a customer of wells fargo since 2013. The only problem i had was the monthly fee which is $12. I wouldn’t recommend it if you’re unable to have the required maintaining balance. I like it though that i was able to use it outside of the country like able to withdraw local currency.
DS
Daniel S.
May 16, 2022
May or may not recommend
I have been a customer now since 2011. There are pros & cons to wells fargo but I can honestly say that I don't get fees. Their fee schedule is very long but there are simple things you can do to avoid the fees. For example, I don't have the ability to over-draft my account. I have that turned off on purpose so nothing goes through when the funds aren't ...Show More
IC
Isa C.
May 4, 2022
May or may not recommend
There are pros and cons to this card. I am huge fan of the mobile app. They make it super easy to manage your accounts, transfer money, and deposit checks. Also, the bank branches almost always provide excellent costumer service. My only issue with this card are the hidden fees.
SS
Sophonie S.
Apr 22, 2022
May or may not recommend
I've had a Wells Fargo checking account for more than 5 years now and I've never had a problem with them. The overdraft fees are kind of high though but that it isn't something to worry about if you make sure your account doesn't hit the negatives. I've had to dispute a few charges and they resolved it in a timely manner.
CR
Customer R.
Apr 17, 2022
May or may not recommend
I travel throughout the US for work and needed a bank that had more ATMs than my previous one. I went with Wells Fargo for this reason. They also offer free money transfers, which is great. However, have high checking account fees. I have been with them now for 6 months.
TM
Tadgh M.
Jan 25, 2021
May or may not recommend
In my experience, Wells Fargo is not a great bank to have an account with. They have so many hidden fees and random extra charges as well as costumer service operators who don't seem to know what they're doing! The overdraft fees are insane and they were NOT upfront about them! Definitely look somewhere else to open your account.
TS
T S.
Jan 24, 2021
May or may not recommend
Of all banks, I have had some of the best experiences by banking with Wells Fargo. While other checking and savings accounts could cause problems at cash registers, I never had that problem with Wells Fargo. When compared to other accounts that I've had, Wells Fargo was by far the best option I had when I lived on the West Coast.
DD
Diane D.
Jan 15, 2021
May or may not recommend
This is a great bank I used to have while I was living in Florida. Now that I have moved to the East Coast I had to close my account because there was way less locations. When I has an issue I had to go out my way you go to a bank I the problem couldn’t be resolved over the phone nor online. However, their customer service was great! ...Show More
LS
Lester S.
Jan 3, 2021
May or may not recommend
My experience with WellsFargo has been great. Their executives at the bank were very helpful and only suggested the account suitable for my needs. No extra charges and they were also upfront about the details. I would highly recommend them for their well-trained employees. Also, their online support centers are a great time saver and convenient for me.
KV
Katie V.
Dec 19, 2020
May or may not recommend
Oddly enough, I like everything else about Wells Fargo. Their advisor accounts are bomb - so easy to use, more accessible than basically every other retirement account I've looked into, with tons of info and graphs and etc. Transferring money between accounts and savings and etc is easy, gifting money through Visa cards or even online is easy, setting up saving accounts for different purposes...etc. Mostly pretty simple to do ...Show More
AD
Amanda D.
Nov 7, 2020
May or may not recommend
I tried to love the Wells Fargo Everyday Checking Account, but it’s nearly impossible.
Let’s start here: Wells Fargo LOVES to charge you fees. Please make sure to check your monthly statements because fees appear from left to right. You will be charged irreversible overdraft fees if an overdraft occurs. You’ll also incur monthly maintenance fees.
When withdrawing money in an overseas ATM with your checking account, you will receive a $5 ...Show More
KV
Kevin V.
Oct 28, 2020
May or may not recommend
I have had an account at Wells Fargo for twenty years. Like everyone else I have had my financial ups and downs. I can say from my experience Wells Fargo has always worked with me. When it comes to overdraft fees they are very understanding. With a quick phone call and explanation they have always waived the fee
Kevin F.
Oct 23, 2020
May or may not recommend
WF's consumer products are horrible. They charge you for overdrafts, and if you have an overdraft as a result of an online automatic payment, they offer you the chance to "most likely" stop the transaction for another $35. The only way to stay safe from an automatic transfer is to close your account and open another.
AO
Andrew O.
Oct 10, 2020
May or may not recommend
Assuming you're able to meet the requirements to avoid monthly fees, this account is decent, nothing extraordinary. The main benefits to banking with Wells Fargo is the easy-to-use app and the convenience of Wells Fargo branches being quite common. That being said, there's nothing about this account that makes it better than any other regular checking account with any other bank. They'll meet your banking needs, but that's about it.
Rotem S.
Oct 7, 2020
May or may not recommend
I have been a customer with Wells Fargo for over 15 years. They have fast and reliable customer service and easy to use applications and websites. They are also highly secure and act very professional with nice banks. I highly recommend their checking accounts. Low fees and highly secure and reliable and easy to use.
U
Anonymous
Oct 2, 2020
May or may not recommend
I have been using Wells Fargo checking account services since I was in college. I'm in my mid-30s, so that's saying something.
Wells Fargo has many branches throughout the United States. This is very convenient. The customer service over the phone is top-notch and always available.
As a creature of habit, once I've found this bank, I haven't explored my other options. Overall, I'm very happy with them. One thing ...Show More
Showing 20 of 43 reviews
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