Contact us immediately if you believe that unauthorized transactions have been made. Take advantage of CollegeSTEPS planning resources, including exclusive access to over 7 million scholarships. Availability may be affected by your mobile carrier's coverage area. You must promptly bring your account to a positive balance. Terms and conditions apply. Any digital card numbers linked to the card will also be turned off. We keep our reviews completely factual so you can use them to make better decisions. See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information. See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. No monthly service fee charged for primary account owners based on age. We may receive payment from our affiliates for featured placement of their products or services. If this newly calculated balance covers transactions that resulted in overdraft fees during the prior business day's nightly processing, we will waive or refund those fees. Terms and conditions apply. By taking control of your finances and using that control to improve your financial stability and security, you will be able to learn how to make your money work for you. Minimum opening deposit is $25. The Wells Fargo Clear Access Banking account is designed for teenagers and young adults learning to manage their money. Sign-up may be required. We may also reverse returned item (non-sufficient funds/NSF) decisions. A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Use a Wells Fargo Campus Card linked to your eligible Wells Fargo checking account to access ATMs and make purchases on and off campus. We can help you find both at Routing Numbers and Account Numbers. Only select devices are eligible to enable sign-on with facial recognition. A savings account may help you earn interest on funds you wont need right away. Managing your money is usually easier said than done. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade. Transactions between enrolled users typically occur in minutes. 4.8/5 Stars on the App Store and 4.6/5 on Google Play as of March 13th 2022, Skip the lines and deposit checks right from your smartphone, Add debit cards to your mobile device to tap and pay, Approximately 12,000 Wells Fargo ATMs to help you bank locally and on the go, Online banking for account management and budgeting tools, Contactless debit card for fast, secure payments and Wells Fargo ATM access, 24/7 fraud monitoring plus Zero Liability protection. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Great for middle and high school students and parents who want a joint account with their teen. Subject to account eligibility requirements. Other fees may apply, and it is possible for the account to have a negative balance. For your protection, Zelle should only be used for sending money to friends, family, or others you trust. Digital wallet use requires your device to be NFC (Near Field Communication) enabled and to have the wallet app available. Our information is based on independent research and may differ from what you see from a financial institution or service provider. Other deposits, such as check(s), cash, or account transfers received after our nightly account processing, are not included for purposes of Overdraft Rewind. For credit cards, turning off your card will turn off all cards associated with your credit card account. We may also receive payment if you click on certain links posted on our site. Seleccione el enlace si desea ver otro contenido en espaol. Optional, only if you want us to follow up with you. Unless otherwise noted, stated benefits apply only to the Prime Checking or the Premier Checking account and not other linked accounts. Wells Fargo Online gives you 24-7 access to your accounts with activity details as well as various alerts you can choose from. If you store multiple fingerprints on your device, including those of additional persons, those persons will also be able to access your Wells Fargo Mobile app via fingerprint when fingerprint is enabled. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. U.S. checking or savings account required to use Zelle. Step banking accounts help teens and kids as young as age 6 to learn to manage money manage their money while building their credit scores. We may receive compensation from our partners for placement of their products or services. NMLSR ID 399801. Some customers praise how the bank handles issues, including incorrect charges, while others had frustrating experiences with representatives on the phone and at their local branches. Select whether youre opening an individual or joint account and whether or not youre an existing Wells Fargo customer, then select. 16,000 Chase ATMs and more than 4,700 branches nationwide. Your mobile carrier's messaging and data rates may apply. But unlike other modern teen banking accounts like Copper and Capital One Money, it doesnt offer perks like digital budgeting tools to help teens learn how to manage their money or a competitive APY so your child can watch their money grow. Brokerage products and services are offered through Wells Fargo Advisors. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC. You may also be able to schedule automatic transfers from your checking account to your savings account to regularly boost these savings. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Some accounts are not eligible for mobile deposit. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. These four checking accounts meet different needs choose what's right for you, 4.8/5 Stars on the App Store and 4.6/5 on Google Play as of March 13th 2022, Skip the lines and deposit checks right from your smartphone, Add debit and credit cards to your mobile device to tap and pay, Sign on to the mobile app with your fingerprint or face, Online banking with the banking tools you need, Contactless debit card for fast, secure payments and Wells Fargo ATM access, Approximately 12,000 Wells Fargo ATMs to help you bank locally and on the go, 24/7 fraud monitoring plus Zero Liability protection. NMLSR ID 399801. Transactions between enrolled users typically occur in minutes. With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. See a Wells Fargo banker or the Consumer Account Fee and Information Schedule available at wellsfargo.com/depositdisclosures for more information about other fees that may apply and options to waive the monthly service fee. See Wells Fargo's Online Access Agreement for more information. Overdraft fees are not applicable to Clear Access BankingSM accounts. Visit a branch to open a teen account with an adult co-owner see what you'll need to bring. If you convert from a Wells Fargo account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. Are you looking for an easy way to access cash?

Your delinked accounts will revert to the Bank's current applicable interest rate or fee at that time. Your mobile carrier's message and data rates may apply. You'll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. If a direct deposit is received by 9:00 a.m. local time where your account is located (noted on your account statement), we will calculate a new account balance that includes the pending direct deposit(s), less any pending debits. Monthly service fee for the Everyday Checking account is $10 and can be avoided when the primary account owner is 17 through 24 years old. Overdraft Rewind does not reverse the transfer or advance of funds from a linked Overdraft Protection account. Availability may be affected by your mobile carrier's coverage area. In some cases, students who do not meet these criteria on their own may have to apply with a co-applicant who has the ability to repay the debt in order to qualify. Most reviews arent about its Clear Access account specifically, although we found that one customer was ecstatic about how his Wells Fargo Clear Access Banking account seamlessly transitioned into a regular checking account. information service that aims to provide you with information to help you make better decisions. Customers between 13 and 16 years old must open the Clear Access Banking account with an adult co-owner. Here are a few tips to help make it easier for you to pay for the essentials: If you want to pay your bills or make purchases electronically, one option may be to open a checking account. The account you choose can help you ease into the habit of managing your own money and making good financial decisions while in school. That way, saving becomes a regular habit instead of an occasional activity. Missed or late payments can have a negative impact on your credit, so be sure to spend wisely and stay on top of your bills to avoid accumulating debt on your card. Be at least 13 to 17 years old with a joint adult co-owner or 18 years and older as a primary owner, Valid Social Security number or Individual Taxpayer Identification number, Birth certificate or a valid drivers license, state-issued ID, US passport or Consular Identification Card. If youre under 18 or 19 in Alabama you must visit a branch to open an account. Enroll in Wells Fargo Online from your desktop or mobile device for secure online access to your accounts. Earn $1 for every person that joins using your unique link or code. For teens age 13 - 16, look no further than the Clear Access Banking account. Aside from charges for using non-network and international ATMs, Wells Fargo will charge you $5 for money orders, $10 for cashiers checks, $12 for returned checks/deposits and $15 for incoming domestic wire transfers. As of July 2022, it holds a 1.08 out of 5-star BBB rating based on 571 customer reviews and has a whopping 4,491 complaints lodged against it in the last three years. Confirm with your employer or the agency or company making these payments that they use the ACH network. Small changes can easily turn into habits that could have a big impact on your financial health, 1999 - 2022 Wells Fargo. We analyze top debit cards for kids and rate them one to five stars based on factors that are most important to you. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. The Request feature within Zelle is only available through Wells Fargo using a smartphone. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Payment requests to persons not already enrolled with Zelle must be sent to an email address. Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. We may refuse to process any request for a foreign exchange transaction. The type of account you require will be based on your personal and financial needs and goals, so its important to know these before choosing your accounts. The Bank receives most direct deposits through the Automated Clearing House (ACH) network before 9:00 a.m. Your mobile carrier's message and data rates may apply. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Sign-up may be required. If Wells Fargo isnt the right fit, take a look at a few other kids checking options with assorted interest rates and monthly fees. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Your mobile carriers message and data rates may apply. The Wells Fargo Clear Access Banking account is a no-frills checking account best for teens and young adults who dont need to write checks and dont want to worry about accidentally overdrawing on their accounts. Track spending, devise budget goals, set up account alerts, and efficiently manage expenses online. Deposit limits and other restrictions apply. See Wells Fargos Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations. Esta pgina de Internet est disponible slo en ingls. The overdraft fee for Wells Fargo Teen CheckingSM accounts is $15 per item and we will charge no more than two fees per business day. Your mobile carrier's message and data rates may apply. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM don't qualify as a direct deposit. Turning off your card is not a replacement for reporting your card lost or stolen.

Where the surcharge fee for ATM cash withdrawals assessed by a non-Wells Fargo ATM owner/operator is not provided to Wells Fargo, Prime Checking and Premier Checking customers will receive a $4.00 reimbursement per cash withdrawal. Aside from the Clear Access Banking account, Wells Fargo also offers these checking accounts: Yes. Your mobile carrier's message and data rates may apply. You'll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. 32 East 31st Street, 4th Floor, Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Availability may be affected by your mobile carrier's coverage area. Copper is a digital checking account that teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app. Jassby is a virtual debit card for kids, complete with chores and allowance tracking. Your mobile carriers message and data rates may apply. Choose the type of debit card you would like and whether you want to open a Wells Fargo savings account. Were committed to helping with your financial success. Small changes can easily turn into habits that could have a big impact on your financial health, 1999 - 2022 Wells Fargo. Benefits that some credit card companies offer customers for using their credit card, such as merchandise, cash rebates, or air miles. They'll also get $1. Terms and conditions apply. Surcharge fees imposed by non-Wells Fargo ATM owners or operators may apply. Seleccione el enlace si desea ver otro contenido en espaol. Naveg a una pgina que no est disponible en espaol en este momento. Finder.com LLC. Your mobile carrier's message and data rates may apply. Availability may be affected by your mobile carrier's coverage area. Payment requests to persons not already enrolled with Zelle must be sent to an email address. Deposit products offered by Wells Fargo Bank, N.A. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Digital wallet use requires your device to be NFC (Near Field Communication) enabled and to have the wallet app available. The Request feature within Zelle is only available through Wells Fargo using a smartphone. In addition to any applicable fees, we make money when we convert one currency to another currency for you. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Member FDIC. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.