Open a bank account online wells fargo

Great for customers who want help managing their money, including teens and students

Open a bank account online wells fargo

We've got your back

Clear Access Banking has no overdraft fees

Open a bank account online wells fargo

Go checkless

Don't need checks? Checkless banking is an easy solution

Open a bank account online wells fargo

Keep it simple

Tap to pay with a contactless debit card or your digital wallet

Open a bank account online wells fargo

Make your own way

Designed for lower balances, this is a great first teen bank account or second chance banking opportunity

Clear Access Banking fees and details


Monthly service fee$5 each fee period

You can avoid the fee in just one way:
No monthly service fee charged for primary account owners 13 - 24 years old

Minimum balanceNo minimum daily balance required
Minimum to open$25 minimum opening deposit
Overdraft servicesClear Access Banking has no overdraft fees

Optional overdraft services are not available for Clear Access Banking accounts

Other feesQuick view of account fees (PDF)
Age requirements to openMust be 13 or older (teens 13 - 16 years old need an adult co-owner)
Teens 13 - 17 years old must open at a branch – see what you'll need
How to open a Clear Access Banking accountOpen now

Make an appointment at a branch

Open a bank account online wells fargo

Parents – opening with a teen?

Remember, teens 13 - 17 years old must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.

Open a bank account online wells fargo

Bank On certified

Clear Access BankingSM is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.

Do more with the Wells Fargo Mobile® app


Zelle®

Send and receive money in minutes

Mobile deposit

Skip the lines and deposit checks right from your smartphone

Digital wallet

Add debit and credit cards to your mobile device to tap and pay

Biometric authentication

Sign on to the mobile app with your fingerprint or face

Card control

Turn credit and debit cards on or off and track recurring payments

Open a bank account online wells fargo

Plus all the features of a Wells Fargo checking account



Compare your checking account options

Compare bank accounts

Customize your banking experience

Open a bank account online wells fargo

Wells Fargo credit cards – choose a credit card that fits your life

Open a bank account online wells fargo

Way2Save® Savings – start saving money faster with a linked Wells Fargo savings account


Banking FAQs

Although we won't authorize transactions – such as ATM withdrawls, debit card purchases, or recurring debit card transactions – when you don't have enough money in your account to cover them when they are presented to us for authorization, certain transactions or account activity may result in a negative balance. For example, if you add a tip to a transaction after we've approved the transaction without the tip OR if we credit a deposit that is later returned unpaid, you may see a negative balance in your account. If this occurs, we won't assess an overdraft fee, but you need to repay the negative amount promptly.

You must be 18 years or older to open this account online.

17-year-olds can open this account without a parent. Teens 13 - 16 years old need an adult co-owner.

Teens 13 - 16 years old need an adult co-owner to open this account. Ages 13 - 17 must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.

Second chance bank accounts provide a great opportunity for customers unable to open standard accounts due to past credit or banking history.

See more Banking FAQs


Can you open a Wells Fargo bank online?

How do I open an account? You can apply online or in person: In just minutes you can apply through Wells Fargo Online® for a checking or savings account, credit card or loan. Or visit a Wells Fargo branch near you.

How much does Wells Fargo charge to open a bank account?

1 $50 minimum opening deposit for Wells Fargo store and business banking locations. For Wells Fargo Phone BankSM or Wells Fargo Online® Banking the minimum opening deposit is $25.

What is requirements for opening account Wells Fargo Bank?

Checking account: A checking account can be opened individually or jointly, and you'll need your basic information, Social Security number, driver's license, and a minimum opening deposit amount. Most checking accounts come with checks, some don't - choose which you'll need.

How can I get $200 from Wells Fargo?

Wells Fargo Everyday Checking: Earn $200 It also has a $10 monthly service fee. What is the offer? Open a new Everyday Checking account with a minimum deposit of $25, take in $1,000 worth of qualifying direct deposits during the first 90 days, and earn a $200 bonus..