Wells Fargo · U.S. checking accounts

Wells Fargo Everyday Checking

A checking account with check-writing, debit payments, branch access and digital banking. Several deposit, balance, age and military eligibility options can waive the monthly service fee.

Pros

Access to Wells Fargo branches and ATMs nationwide.
Write personal checks and use debit payments for purchases.
Manage your account through both online and mobile banking platforms.
Qualifying deposits, balances, age, or military benefits can waive the monthly fee.
Linked savings or credit accounts can provide overdraft protection without a transfer fee.

Cons

$15 monthly unless a deposit, balance, age or military waiver condition is met.
$25 minimum opening deposit.
Paid overdrafts can cost $35 per item, up to three daily; small-item, balance and other exceptions apply. Returned items have no Wells Fargo fee.
Non-permanent U.S. residents must apply in person with original IDs and address proof.
Out-of-network ATM, wire and 3% foreign-currency debit-purchase charges can apply.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	15 USD
Minimum opening deposit	25 USD
SSN requirement	Conditional
ITIN accepted	Accepted
Credit check	NotStated

Fee waiver: Avoid the $15 monthly service fee each fee period with any one of: at least $500 in total qualifying electronic deposits; $1,500 minimum daily balance; at least $5,000 in qualifying deposit and/or investment balances; primary owner aged 17–24; or a qualifying non-civilian military direct deposit through Worldwide Military Banking. Monthly fees are initially waived for fee periods ending within the first 64 days after opening. Qualifying-balance and military-program conditions apply.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Everyday Checking is available from age 17; applicants under 18 must apply at a branch. Online opening requires age 18 or older, SSN or ITIN, a physical U.S. address and a mobile number. Non-permanent U.S. residents must apply at a branch. The Everyday branch checklist requires original primary and secondary ID and address proof, with a documented government-ID alternative for non-U.S. citizens without a U.S. taxpayer ID. Minors without a primary ID need an adult relative or guardian as co-owner. Confirm exact documents and approval requirements before the appointment.

Geographic restrictions: No product-specific excluded-state list found. Confirm application availability and nearby branch access. Wells Fargo states that accounts opened for states without a physical banking location are treated as opened in California and subject to California disclosures.

Product review: 01 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	35 (currency not confirmed)
Outgoing domestic wire	30 (currency not confirmed)
Incoming wire	0 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Digital wires generally cost $30 and branch wires $40; qualifying digital foreign-currency wire fees can be waived. Incoming consumer wires have no Wells Fargo fee. Exchange-rate markups and other-bank charges can apply.
Allpoint ATM	Not confirmed
Other ATMs	Wells Fargo ATM withdrawals are free. Other ATM withdrawals cost $3 in the U.S./territories or $5 outside the U.S., plus any owner fee.
Cash deposit	Not confirmed