Wells Fargo Complete Fee Guide in 2026
Wells Fargo fees span its banking, lending, and investment operations. The fee structure is broadly comparable to other large traditional banks but significantly more expensive than online banking alternatives.
Checking and Savings Fees
Everyday Checking costs 10 dollars monthly, waived with 500 dollar minimum daily balance or 500 dollars in qualifying direct deposits. Prime Checking costs 25 dollars monthly, waived with 25,000 dollar combined balance in banking and investment accounts. Clear Access Banking costs 5 dollars monthly with no waiver option, designed as a basic account. Way2Save Savings charges 5 dollars monthly, waived with 300 dollar minimum daily balance or automatic monthly transfer of 25 dollars from a Wells Fargo checking account. Interest rates on savings are 0.01 to 0.15 percent APY depending on the balance tier, which means customers effectively lose purchasing power to inflation while paying for the account.
ATM and Transaction Fees
Non-Wells Fargo ATMs cost 2.50 dollars per transaction domestically. International ATM use costs 5 dollars per transaction plus a 3 percent foreign currency exchange fee. Overdraft protection transfers from savings cost 12.50 dollars per transfer. Returned item fees for checks and ACH are 12 dollars. Stop payment orders cost 31 dollars. Cashier checks cost 10 dollars. Money orders cost 5 dollars. These fees are consistent with other major banks but represent significant costs for customers who frequently use non-network ATMs or occasionally overdraft.
Wire Transfer and International Fees
Domestic incoming wires cost 15 dollars. Outgoing domestic wires cost 30 dollars. International incoming wires cost 16 dollars. Outgoing international wires cost 30 to 45 dollars depending on the currency and destination. International wire transfer exchange rates include a markup over the wholesale rate that adds approximately 2 to 3 percent in effective cost. For customers regularly making international transfers, these fees and exchange rate markups are significantly more expensive than specialized transfer services like Wise or Remitly.
Lending Fees
Mortgage origination fees range from 0 to 1 percent. Application fees may apply depending on the loan product. Appraisal fees are 400 to 700 dollars. Credit report fees are 25 to 75 dollars. Title-related fees vary by state. Personal loan origination fees range from 1 to 7 percent depending on creditworthiness. Auto loan application fees are not charged, but the interest rates available through Wells Fargo are not always the most competitive in the market. HELOC annual fees of 75 dollars apply, and early termination fees of 500 dollars apply if the line is closed within 36 months.
Investment Account Fees
Wells Fargo Advisors Full Service accounts charge advisory fees of 0.50 to 1.50 percent annually on managed assets. Wells Fargo Intuitive Investor, the robo-advisory service, charges 0.35 percent annually. Self-directed brokerage accounts charge 0 dollars for online stock and ETF trades but maintain fees for broker-assisted trades at 25 dollars per trade. Mutual fund transaction fees range from 0 to 49.95 dollars depending on the fund and whether it is on the no-transaction-fee list. Account closure and transfer fees of 50 to 95 dollars apply for ACAT transfers. These investment fees are competitive within the full-service brokerage category but significantly above self-directed platforms like Fidelity and Schwab that offer zero-commission trading and no advisory minimums.