{"account":{"slug":"wells-fargo-checking","bank":"Wells Fargo","name":"Personal Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.wellsfargo.com/checking/","history":[{"date":"2026-06-11","apy":"None on Clear Access/Everyday; token interest on Prime and Premier","monthlyFee":"$10 (Everyday), waived with $500 balance or $500 in electronic deposits","minimumOpen":"$25","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"Not reconfirmed in this partial check","monthlyFee":"$15; multiple activity, balance, age and military waiver paths","minimumOpen":"Not reconfirmed in this partial check","note":"Fee changed from the June archive record; full account reverification remains due","sourceUrl":"https://www.wellsfargo.com/checking/everyday/account-fees-summary/","sourceLabel":"Wells Fargo Everyday Checking fee summary"},{"date":"2026-09-04","apy":"None on Clear Access/Everyday; variable interest on Prime/Premier, with rates unavailable online at review time","monthlyFee":"$5 Clear Access; $15 Everyday; $25 Prime; $35 Premier, each with published waiver paths","minimumOpen":"$25 for each reviewed checking account","note":"Full four-account review completed later the same day; corrected Clear Access waivers, ATM count, overdraft wording, and Prime ATM reimbursement details","sourceUrl":"https://www.wellsfargo.com/checking/","sourceLabel":"Wells Fargo personal checking product pages and fee summaries"},{"date":"2026-10-19","apy":"None on Clear Access/Everyday; variable interest on Prime/Premier, with rates unavailable online at review time","monthlyFee":"$5 Clear Access; $15 Everyday; $25 Prime; $35 Premier, each with published waiver paths (unchanged)","minimumOpen":"$25 for each reviewed checking account","note":"Fee structure unchanged. The $325-500 Everyday Checking bonus reported in late August 2026 expired October 6-13, 2026 depending on the offer code; no replacement offer was confirmed on aggregator trackers within the last 30 days","sourceLabel":"Aggregated rate/bonus trackers (DoctorOfCredit, Finder, TheBonusStack); no primary Wells Fargo source confirms a live replacement offer"},{"date":"2026-10-23","apy":"No interest on Clear Access or Everyday; Prime and Premier pay variable interest, but numeric rates were unavailable in the reviewed pages","monthlyFee":"$5 Clear Access; $15 Everyday; $25 Prime; $35 Premier. Each has fee-waiver conditions.","minimumOpen":"$25 opening deposit per general checking FAQ","atm":"Wells Fargo withdrawals: $0. Clear Access/Everyday: $3 at other U.S. ATMs or $5 outside the U.S., plus operator charges. Prime reimburses one U.S. and one international operator fee per fee period; Premier reimburses all operator fees, subject to the bank’s fallback reimbursement rule.","note":"Primary-source correction of the current review: removed the unsupported $50 cushion and absolute no-negative-balance claim, distinguished qualifying deposits and balance measurement, and rechecked four account tiers. Earlier snapshots, including aggregator-derived bonus commentary, are preserved as history and not newly verified. This is a review date, not a bank policy effective date.","sourceUrl":"https://www.wellsfargo.com/checking/compare-checking-accounts/","sourceLabel":"Wells Fargo account comparison, product pages and fee disclosures"}],"verificationEvents":[{"id":"951a79b5-5161-4eed-8ee8-df1403985bc1","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:16.350Z","recordedAt":"2026-10-23T05:41:16.351Z","sourceUrl":"https://www.wellsfargo.com/savings-cds/fdic/","sourceLabel":"Wells Fargo FDIC insurance explanation","outcome":"confirmed","summary":"Reviewed eligible bank-deposit coverage by depositor and ownership category. Investment balances used toward waivers are not FDIC-insured deposits.","changedFields":["fdic","sections"],"previousHash":"8231719a0cd4ea9edf0cc424103c79224aa1b8a1d4ebd87df3428726823a6655","recordHash":"430089160fcda2b1f9f91c189097453a68f2bc96afd04a6a7e8c4281706a88e6"},{"id":"9814130d-44e6-41e2-8c31-8fbce41db162","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:16.278Z","recordedAt":"2026-10-23T05:41:16.279Z","sourceUrl":"https://www.wellsfargo.com/checking/","sourceLabel":"Wells Fargo checking opening requirements","outcome":"confirmed","summary":"General checking FAQ still lists $25 opening deposit, ID, SSN and address; individual Everyday/Clear Access retrieved pages omitted the numeric opening deposit. Rechecked account features and ATM count; no current bonus asserted and expired linked bonus remains unchanged.","changedFields":["minimumOpen","features","lastVerified"],"previousHash":"62b16e6af2c4603e193f32e547cc1a0e3c6c2c3863557acd86de55f8a7817e81","recordHash":"8231719a0cd4ea9edf0cc424103c79224aa1b8a1d4ebd87df3428726823a6655"},{"id":"31acae18-7973-4c57-bb3d-c76586679e2d","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:16.205Z","recordedAt":"2026-10-23T05:41:16.206Z","sourceUrl":"https://www.wellsfargo.com/checking/extra-day-grace-period/","sourceLabel":"Wells Fargo Extra Day Grace Period","outcome":"confirmed","summary":"Checked extra business day and positive available balance by 11:59 p.m. Eastern; deposit availability and pending activity matter. No guaranteed payment into overdraft asserted.","changedFields":["sections","features"],"previousHash":"6131aa9982c0387709923c35c12e1a7470fd3474c0ec3460bd7718bf4c0b18a2","recordHash":"62b16e6af2c4603e193f32e547cc1a0e3c6c2c3863557acd86de55f8a7817e81"},{"id":"dd4025c9-7604-40ca-9756-81ce95fed79d","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:16.133Z","recordedAt":"2026-10-23T05:41:16.134Z","sourceUrl":"https://www.wellsfargo.com/checking/direct-deposit/","sourceLabel":"Wells Fargo qualifying electronic deposits","outcome":"confirmed","summary":"Checked ACH, RTP/FedNow and qualifying card-network credits; account transfers, Zelle, mobile, branch and ATM deposits do not qualify for this fee-waiver definition. Bonus eligibility is separate.","changedFields":["sections","faqs"],"previousHash":"220564995813ccc3e19bf5179fe9a94814935c32e5a68533e1af0236ea872451","recordHash":"6131aa9982c0387709923c35c12e1a7470fd3474c0ec3460bd7718bf4c0b18a2"},{"id":"18cd5537-c3e3-416f-a15b-569985ed5589","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:16.058Z","recordedAt":"2026-10-23T05:41:16.059Z","sourceUrl":"https://www.wellsfargo.com/checking/compare-checking-accounts/","sourceLabel":"Wells Fargo four-account comparison","outcome":"changed","summary":"Checked four tiers, interest-bearing status, age requirements, ATM fees and 3% foreign debit purchase fee for Clear Access/Everyday/Prime versus 0% Premier. Removed unsupported strongest-network and universal account recommendations.","changedFields":["plans","atm","pros","cons","ourTake"],"previousHash":"e4506d374349b603af935c305756b6a15f2d7d45d66bf3241c4ca3d8a449fc35","recordHash":"220564995813ccc3e19bf5179fe9a94814935c32e5a68533e1af0236ea872451"},{"id":"b19ab46e-4506-45d2-8d46-f1d168bf649c","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:15.987Z","recordedAt":"2026-10-23T05:41:15.988Z","sourceUrl":"https://www.wellsfargo.com/checking/premier/","sourceLabel":"Wells Fargo Premier Checking terms","outcome":"confirmed","summary":"Checked $25 opening deposit, $35 fee, $250000 eligible linked statement-ending balance waiver, relationship benefits and ATM rebates. Numeric APY unavailable; no current rate inferred.","changedFields":["apy","plans","sections"],"previousHash":"59631cfe50d9075ffe44f536019b3fc7bcb148e1275b067228063e36818ff9d8","recordHash":"e4506d374349b603af935c305756b6a15f2d7d45d66bf3241c4ca3d8a449fc35"},{"id":"65275380-a8b3-480f-93af-68a442c35565","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:15.916Z","recordedAt":"2026-10-23T05:41:15.917Z","sourceUrl":"https://www.wellsfargo.com/checking/prime/","sourceLabel":"Wells Fargo Prime Checking terms","outcome":"changed","summary":"Checked $25 opening deposit, $25 fee, $20000 linked statement-ending balance waiver, one domestic and one international ATM operator-fee rebate and $4 fallback when fee amount is unavailable. Numeric APY was unavailable in retrieved CA 94105 rate table; no numeric or minimal-yield claim published.","changedFields":["apy","plans","atm","sections"],"previousHash":"8a615261fe3fcc1cae147daecf744ae7f7a871bcac8aaab35eddc82e105d9e96","recordHash":"59631cfe50d9075ffe44f536019b3fc7bcb148e1275b067228063e36818ff9d8"},{"id":"cde4d591-c3f1-4ac7-bdd0-6700e7a44874","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:15.845Z","recordedAt":"2026-10-23T05:41:15.845Z","sourceUrl":"https://www.wellsfargo.com/checking/clear-access-banking/clear-access-monthly-service-fee/","sourceLabel":"Clear Access monthly fee waiver terms","outcome":"confirmed","summary":"Confirmed $5 monthly fee; primary-owner age 13-24, $250 qualifying electronic deposits or qualifying non-civilian military deposit paths; military benefits begin after 45 days.","changedFields":["plans","sections"],"previousHash":"eb78eaf65a975c267fca97702a2d2c870b3e3724ecfc05732424bb897f64c530","recordHash":"8a615261fe3fcc1cae147daecf744ae7f7a871bcac8aaab35eddc82e105d9e96"},{"id":"6c1426ec-a24a-430a-aea0-299b7d9aeb14","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:15.773Z","recordedAt":"2026-10-23T05:41:15.774Z","sourceUrl":"https://www.wellsfargo.com/checking/clear-access-banking/","sourceLabel":"Wells Fargo Clear Access Banking","outcome":"changed","summary":"Rechecked no overdraft fee, checkless account, age and branch rules. Corrected absolute no-negative-balance claim: returned deposits and later tips can create amounts that must be repaid.","changedFields":["plans","features","sections","faqs"],"previousHash":"9520a6e04d31d11cb7cf351a5395b5b24ea39dc6607d79e53cdd448eb02959a6","recordHash":"eb78eaf65a975c267fca97702a2d2c870b3e3724ecfc05732424bb897f64c530"},{"id":"5d42a951-bd99-447d-890d-4521df014d41","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-10-23T05:41:15.699Z","recordedAt":"2026-10-23T05:41:15.700Z","sourceUrl":"https://www.wellsfargo.com/checking/everyday/account-fees-summary/","sourceLabel":"Wells Fargo Everyday Checking fee summary","outcome":"changed","summary":"Reconfirmed $15 monthly fee and five waiver paths; corrected unsupported $50 overdraft cushion to the documented $10 item and dual-balance exceptions, $35 fee and maximum three daily consumer fees.","changedFields":["monthlyFee","plans","sections","faqs","termHistory"],"previousHash":"fdd0ef81c4724a4897beece7c66f9436a419ece07c3e1ecc985f358cc9ce83c9","recordHash":"9520a6e04d31d11cb7cf351a5395b5b24ea39dc6607d79e53cdd448eb02959a6"},{"id":"5552f228-be21-48de-9c63-cc9e4a5353b7","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T00:42:51.226Z","sourceUrl":"https://www.wellsfargo.com/checking/everyday/account-fees-summary/","sourceLabel":"Wells Fargo Everyday Checking fee summary","outcome":"changed","summary":"Everyday Checking monthly service fee increased from the June archive value of $10 to $15; current waiver paths were updated. APY, opening minimum and the other tiers still require a full source check, so the account remains action-withheld.","changedFields":["monthlyFee","plans","termHistory"],"facts":{"monthlyFee":15,"electronicDepositWaiver":500,"dailyBalanceWaiver":1500,"linkedBalanceWaiver":5000},"previousHash":"d522926f8c0cea22da04c5b4fd272b2c05a5f374f46d57279f22e73493d46a7d","recordHash":"1c55044febe8455bc6dab57383249ba69ad2307b07f5c213e998c2421d6aca0d"},{"id":"8c0d65a5-06df-47e9-80d3-5dd9edae5989","entityType":"bank-account","slug":"wells-fargo-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T00:56:43.712Z","sourceUrl":"https://www.wellsfargo.com/checking/","sourceLabel":"Wells Fargo personal checking product pages and fee summaries","outcome":"changed","summary":"Completed the four-account review; corrected Clear Access waiver paths, ATM count, overdraft wording, variable-rate disclosure and Prime ATM reimbursement details","changedFields":["apy","plans","features","atm","cons","termHistory","lastVerified"],"facts":{"clearAccessFee":"$5","everydayFee":"$15","primeFee":"$25","premierFee":"$35","minimumOpen":"$25","wellsFargoAtms":"10,000+"},"previousHash":"e75f10b2d7d959549233a10af0e2cc2f93cd601a9401c4787003cf1814bbff47","recordHash":"7184c87c9ea48505f3f5c2de374d195d09853bd61375921ef44e256e24b581df"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}