Checking & savings
Everyday checking accounts and savings accounts, including a savings account designed to help customers build savings habits.
National bank
Banking, lending, and financial services.
Wells Fargo is one of the four largest banks in the United States, offering personal and business banking, home loans, auto loans, credit cards, and investment and retirement accounts.
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Key services
- Checking & savings✓
- Credit cards✓
- Home loans✓
- Auto loans✓
- Investment accounts✓
Branch, ATM & online
About Wells Fargo
A nationwide bank offering everyday banking and lending products.
Wells Fargo operates thousands of branches and ATMs across the country, offering checking and savings accounts, credit cards, personal loans, mortgages, home equity products, and auto loans. Business banking products are also available for small and commercial clients.
The Wells Fargo Mobile app and online banking platform let customers manage accounts, pay bills, transfer money, deposit checks remotely, and set up alerts. Zelle is available through the app for person-to-person payments.
Common uses
What Wells Fargo offers.
Wells Fargo covers several common financial needs in one place.
Credit cards
Wells Fargo credit cards include the Active Cash, Autograph, and Reflect cards, with different reward and benefit structures.
Home loans
Mortgage origination, refinancing, and home equity lines of credit for primary residences and other properties.
Auto loans
Financing for new and used vehicles through Wells Fargo's auto lending program.
Who is it for
Who banks with Wells Fargo.
Wells Fargo is a practical choice for people who want a large traditional bank with a wide branch and ATM presence, those applying for home loans or refinancing, and customers looking for everyday checking and savings with online banking tools. It also serves small businesses and commercial clients.
Getting started
How to open a Wells Fargo account.
Visit wellsfargo.com or go to a local branch. Everyday Checking is the standard account and can be opened online or in person. Have a government-issued photo ID and Social Security number ready.
Review the monthly service fee for your chosen account. It can typically be waived by maintaining a minimum balance or having qualifying direct deposits each statement period.
Fund your new account by linking an external bank account for a transfer or depositing a check through the app after opening.
Download the Wells Fargo Mobile app to access online banking, mobile check deposit, Zelle transfers, bill pay, and account alerts.
Common questions
Frequently asked questions about Wells Fargo.
How do I waive the Wells Fargo Everyday Checking monthly fee?
The Everyday Checking monthly service fee can be waived each fee period by meeting one of the following: maintaining a minimum daily balance, having qualifying direct deposits, being between the ages of 17 and 24 and a primary account owner, or linking the account to a Wells Fargo Campus ATM or Campus Debit Card. Visit wellsfargo.com for current fee amounts and waiver conditions.
Does Wells Fargo offer Zelle?
Yes. Zelle is integrated into the Wells Fargo Mobile app and online banking. You can send and receive money using a U.S. mobile phone number or email address. Transactions between Wells Fargo and other Zelle-participating banks typically arrive within minutes.
Can I open a Wells Fargo account online?
Yes. Many personal checking and savings accounts can be opened on wellsfargo.com. You will need a valid government-issued ID and your Social Security number. For certain accounts or customers without a Social Security number, a branch visit may be required.
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Information source: Wells Fargo's official U.S. website and product pages. Last verified June 2026.
US Living Tips is an independent directory and is not affiliated with or endorsed by Wells Fargo.