Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 02/14/2025)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%(Verified 02/14/2025)
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Monthly Service Fee
$0 - $35(Verified 01/21/2026)
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Wells Fargo Premier Checking Account Review
The Wells Fargo Premier Checking Account is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo Premier Checking Account is available in 39 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
- $0 monthly account fees available. This account charges a monthly fee of up to $35, but the fee may be waived if you keep a minimum balance of$250,000.
- No ATM fees. Wells Fargo Premier Checking Account does not charge fees on 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 Premier Checking Account Pros & Cons
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Wells Fargo Premier Checking Account FAQ
Are checking accounts from Wells Fargo Bank federally insured?
Yes, your Wells Fargo Bank checking accounts are insured up to $250,000 per person 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 Premier Checking Account offer?
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| APY (Annual Percentage Yield) | 0.01% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Wells Fargo Premier Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $1.
What are the account minimums for Wells Fargo Premier Checking Account?
Wells Fargo Premier Checking Account requires a minimum initial deposit of $25.
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| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $250,000 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Wells Fargo Premier Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $35 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Wells Fargo Premier Checking Account offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Wells Fargo Premier Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Wells Fargo Premier Checking Account?
The customer support email for Wells Fargo Premier Checking Account is corporateresponsibility@wellsfargo.com.
Wells Fargo Premier Checking Account Disclosure: Eligibility Requirements:
Offer available to customers 1) upgrading an existing Wells Fargo consumer checking account to a Wells Fargo Premier Checking account, or 2) opening a new Premier Checking account. All account applications are subject to approval.
Only the primary owner of the upgraded or new checking account is eligible for this offer.
You must use your bonus offer code at the time of account upgrade or new Premier Checking account opening.
Only one $2,500 bonus may be applied per upgraded account or new Premier Checking account. Limit one bonus per customer.
You are not eligible for this offer if:
You have received a Wells Fargo Premier Checking bonus within the past 12 months.
You are a Wells Fargo employee.
Bonus Requirements:
To receive the $2,500 bonus, you must:
Upgrade to a Premier Checking account or open a new Premier Checking account by January 7, 2025 AND
Bring $250,000 or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a $250,000 balance through Day 90 after account upgrade or opening.
Qualifying linked accounts include (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate Wells Fargo Advisors). Excludes applicable bank fiduciary and custody accounts.
New deposits received into qualifying linked accounts up to 7 calendar days before the bonus offer code is applied to the Premier Checking account will count towards the offer qualification requirements. Please see a banker for details.
Bonus Payment:
We will deposit your bonus into your Premier Checking account within 30 days after you have met all offer requirements.
The Premier Checking account must be open at the time we attempt to deposit any bonus payment. Please note that an account with a zero balance may be closed by us without prior notice, as further described in the Deposit Account Agreement.
You are responsible for any federal, state, or local taxes due on the bonus. We will report the bonus as income to the tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we will withhold the required amount and remit to the tax authorities in accordance with applicable law. Consult your tax advisor.
Additional Terms and Conditions:
Interest on the Premier Checking account is compounded daily and paid monthly. The amount of interest earned is based on the daily collected balances in the account. The following Annual Percentage Yield (APY) is accurate as of August 7, 2024. The account pays an APY of 0.01% if the balance is $0 or more. Rates are variable and subject to change without notice. Fees could reduce earnings on this account.
Offer expires January 7, 2025. However, this offer may be discontinued or changed at any time prior to the expiration date without notice.
Offer cannot be:
Paid to non-resident aliens and foreign entities signing any version of IRS Form W-8.
Combined with any other consumer deposit offer (limit one bonus per customer). If your existing Wells Fargo checking account is enrolled with a bonus offer pending, that bonus will be forfeited once upgrading to a Premier Checking account for purposes of this upgrade bonus offer.
Reproduced, purchased, sold, transferred, or traded.
The actions required to earn this bonus are separate and distinct from the options available to you to avoid any applicable monthly service fee for the checking account.
1. Wells Fargo Premier
Requires meeting all conditions of Wells Fargo Premier participation. Wells Fargo Bank and Wells Fargo Advisors discounts and benefits are available to all customers who have a Wells Fargo Premier Checking account. The Wells Fargo Premier Checking account has a $35 monthly service fee which can be avoided each fee period with $250,000 or more in statement-ending qualifying linked (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate Wells Fargo Advisors, and applicable bank fiduciary and custody accounts). Wells Fargo may waive the monthly service fee at its discretion for promotional or other purposes.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
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Other Checking Accounts from Wells Fargo Bank
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
Bonus Offer
$325
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Disclaimer popup with additional information
Monthly Service Fee
$0 - $10
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
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