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Wells Fargo Everyday Checking account review

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An everyday checking account offering a handful of convenient features.

With a low initial deposit and no monthly account minimum, this everyday checking account is ideal for college students or those with low account balances. It’s easy to access your money with handy mobile apps and more than 13,000 ATMs. But you won’t find branches in all 50 states.

$10 per month

Monthly fee




Minimum deposit to open


Monthly fee$10 per month
To waive the fee• Maintain a $1,500 minimum daily balance
• OR $500+ in total qualifying direct deposits
• OR 10+ posted debit card transactions (purchases or payments of bills)
• OR linked to a Wells Fargo Campus ATM or Campus Debit Card
Minimum deposit to open$25
ATMsMore than 13,000 Wells Fargo ATMs nationwide
ATM transaction fee$0
Out-of-network ATM fee$2.50 at US ATMs or $5 at ATMs outside the US (Wells Fargo Campus Cardholders receive up to four withdrawal transactions at no charge by Wells Fargo during each monthly fee period. Fees charged by non-Wells Fargo ATM owners/operators also apply unless waived by your account terms)
Overdraft fee$35
Nonsufficient funds fee$15

What are the benefits of the Wells Fargo Everyday Checking account?

  • Easy access. Your debit card comes with fee-free access to over 13,000 ATMs and 5,800 branches.
  • Security. Wells Fargo is one of the Big Four banks, making it a safe place to store your money.
  • Wide-ranging support. Wells Fargo offers 24/7 customer service by phone.
  • Convenient mobile app. Download the mobile app to send payments, deposit checks and more.
  • Overdraft protection. Choose from two optional overdraft services that ensure your transactions are covered.
  • Mobile wallet. Set up your mobile wallet that’s compatible with Apple, Google and Samsung pay to make purchases using your phone.

Wells Fargo ATM network and fees

This account comes with a Wells Fargo Visa debit card, allowing you to make purchases almost anywhere. Plus, you’ll get fee-free access to over 13,000 Wells Fargo ATMs and 5,800 branches. However, if you use a non-Wells Fargo ATM, you could pay:

  • Domestic ATM fees: $2.50 per withdrawal, transfer or inquiry — plus fees from the ATM owner.
  • Foreign ATM fees: $5 per withdrawal — plus fees from the ATM owner.

What should I look out for?

  • Opening deposit. This account requires a $25 minimum deposit to open.
  • Monthly service fee. There’s a $10 monthly service fee, unless you can meet one of the following requirements each month:
    • 10 or more debit card purchases or payments
    • Qualifying direct deposits totaling at least $500
    • Linking a Wells Fargo Campus ATM or Campus Debit Card
    • Primary account holder is 17 to 24 years old
  • Overdraft fees. You’ll be charged $35 for each debit card transaction that overdraws your account.
  • Miscellaneous fees. Wells Fargo generally has higher fees than smaller institutions, so you can expect to be charged for replacing lost cards, stop payments and more.
  • Longer processing times. Wells Fargo doesn’t process transactions on weekends, which could be why some customers complain about long processing times.
  • Limited branch availability. Wells Fargo has no branches in HI, KY, LA, MA, ME, MO, NH, OK, RI, VT or WV.

Case study: Adrienne’s experience

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Adrienne Fuller

I opened a Wells Fargo student checking account in college when I moved out of the region of my neighborhood bank. When I graduated, it automatically converted into an Everyday Checking account.

  • The monthly fee isn’t great for an everyday checking account, but I do have direct deposit set up, so it’s waived.
  • In my younger days, I overdrew quite a bit. And though the Overdraft Protection is billed as a benefit, it’s really not when you sit down and think about it. Looking back, I would’ve rather had a transaction declined than pay a hefty overdraft fee every time I overdrew.
  • I’ve also been billed for free checks before, which was annoying but easy to resolve.
  • When traveling in a state without a Wells Fargo, it’s hard to find a free ATM, which is a negative for a major bank.

All in all, there aren’t a lot of bells and whistles to make this account a clear winner for me and I’d probably be just as satisfied with my local credit union or online checking with free ATM access.

Compare with other checking accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
BBVA Premium Checking
BBVA Premium Checking
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
1.00% on balances of $10,000+ or deposit $1+ each calendar month into any Aspiration cash management or investment account
Free to use anywhere worldwide
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.

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How much do I need to open an account?

This account requires a minimum deposit of $25, due when you open the account.

How do I apply?

You can open a Wells Fargo Everyday Checking account at a branch or online through the following steps:

  1. Visit the Wells Fargo website, hover over Banking and Cards, then click Checking Accounts.
  2. Scroll down to Everyday Checking and click Open Now.
  3. Choose between an individual or joint account and sign in if you’re already a Wells Fargo online banking customer.
  4. Enter your personal information, verify all details and click Continue.
  5. Choose your account options, fund your initial deposit and review the terms.
  6. Submit your application.


Before your application is approved, you’ll need to meet a few eligibility requirements:

  • Make a minimum deposit of at least $25
  • Have a valid Social Security number or tax ID
  • Have a valid state-issued ID
  • Have a valid US address

Required information

Throughout your application, you’ll be asked for the following information:

  • Name and date of birth
  • Address
  • Social Security or tax ID number
  • Driver’s license or other state-issued ID
  • Contact information
  • Employment information

What other checking options does Wells Fargo offer?

If the Everyday Checking account isn’t right for you, Wells Fargo offers a few other checking options:

  • Wells Fargo Teen Checking. This no-fee checking account is designed for teens with optional parental controls and more.
  • Wells Fargo Preferred Checking. Ideal for customers with high balances, this checking account pays interest and has a monthly fee that’s easy to avoid.
  • Wells Fargo Opportunity Checking. While you can only open this account if you don’t qualify for other Wells Fargo accounts, it can help you get back on financial track.
  • Wells Fargo Portfolio Checking. This account pays bonus interest rates and offers a range of benefits and rewards — but watch out for high monthly fee.

Bottom line

The Everyday Checking account is a great option for those looking to budget and manage their finances. It offers a few standard checking account features and additional perks that make it easy to access your money when you need it. Save money and try to avoid the monthly fee.

As always, compare your options to find the best checking account for your financial needs.

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