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- Personal
- Checking Accounts
Everyday Checking
Banking made easy. Open with $25.
Banking your way
These four checking accounts meet different needs – choose what's right for you
Ideal for customers who want help managing their money, including teens and students
Our most flexible and popular checking account, also a great option for students
Many discounts and benefits are included with this interest-bearing account
An interest-bearing account with our highest level of relationship banking benefits and perks
- Checkless banking with digital and debit card payments
- No overdraft fees
- Standard bank account features like check writing and multiple ways to avoid the monthly service fee
- Optional Overdraft Protection
- Fee waivers and discounts for many banking services
- Interest rate discounts on select new loans
- Premium discounts and fee waivers for specialized banking services and interest rate discounts on select new loans
- 24/7 support from a banking service team
- Ages 13 to 16 must open with an adult co-owner
- Teens 13 to 17 must open at a branch - see what you'll need
- Must be 17 or older to open this account
- Teens 17 years old must open at a branch - see what you'll need
- Must be 18 or older (19 in AL) to open this account - see what you'll need
- Must be 18 or older (19 in AL) to open this account - see what you'll need
Not sure which checking account's the best fit?
Do more with the Wells Fargo Mobile® app
Plus all the features of a Wells Fargo checking account
Student checking at your fingertips
No monthly service fee charged for primary account owners based on age.
Learn more
Checking FAQs
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.
Enroll in Wells Fargo Online from your desktop or mobile device for secure online access to your accounts. Once you've enrolled, you'll receive an email confirmation, and you'll be ready to sign on and manage your accounts.
See more Banking FAQs
Still have questions?
For questions about new
accounts.
For existing accountholders or questions:
1-800-869-3557
24/7
mobile banking
Access your money & bank almost anywhere with our top-rated mobile app.
No fees
to open, keep & use
so your money stays where it belongs—with you.
70,000 +
fee-free ATMs
in more places where you already shop.
Checking at your fingertips
Keep your checking account secure
Misplaced your debit card? No sweat—you can lock (and unlock) it from our mobile app.
360 Checking Account Benefits
Bank securely
Your online checking account is safe with FDIC insurance and fraud coverage.
Get paid early
Access your money up to 2 days sooner than payday with early paycheck.
Get help in person
Visit our branches & Cafés to bank with our friendly Ambassadors.
Move money easily
Get your money on its way—pay bills online or send cash with Zelle®.
Find an ATM or Capital One location near you.
When you need us, we’ll be there. Visit a Capital One ATM or branch near you or experience Banking Reimagined® at a Capital One Café.
Enter a location near you
FREQUENTLY ASKED QUESTIONS - 360 Checking
What is an online checking account?
360 Checking is a checking account that comes with everything you need and without everything you don’t. Pay your bills, get cash, make deposits, and transfer money–all without monthly fees and extra trips to the bank. You can open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank to open first. And if you ever need help with your account, a real person is just a phone call away.
There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions. But let’s be totally upfront here: There may be some things you want or need to do with your account that will result in charges. If you request overnight check delivery or overnight delivery of a replacement card or request a stop payment, you may be charged a fee for these extra services.
What if I overdraw my account?
You have several options to choose from: Auto-Decline, Free Transfer and No-Fee Overdraft.
- Auto-Decline: We generally decline transactions that cause overdrafts on your account.
- Free Transfer: Automatic transfer of funds from your savings or money market account.
- No-Fee Overdraft: No fees charged on approved transactions that put your account balance below $0.
Learn more about all of your options.
How do I earn interest with a checking account?
It’s easy—you’ll earn interest just by having money in your account. As of 10/20/2022, if your online checking account balance is $49,999.99 or less, you'll earn an annual percentage yield (APY) of NaN. If your balance is between $50,000–$99,999.99, you'll earn a NaN APY on your entire balance, and if your balance is $100,000 or more you'll earn a NaN APY on your entire balance.
Manage your money like a boss
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