You can upgrade most Wells Fargo checking accounts online through the mobile app or website, but some account types require a phone call or branch visit
Wells Fargo lets you change to a different checking account tier using the Wells Fargo mobile app or by logging into your online account. The process takes a few minutes and happens immediately in most cases. However, if you want to move to a premium account like the Wells Fargo Platinum Checking or a business checking product, you may need to call 1-800-869-3557 or visit a branch in person, because those accounts have higher requirements or different terms.
The account you can upgrade to depends on what you have now and what Wells Fargo is currently offering. Wells Fargo regularly changes its checking lineup, so the exact names and features shift. Before you start, know which account you want to move to and whether it has a monthly fee, a minimum balance requirement, or other conditions that matter to you.
Key Takeaways
- Most standard checking upgrades happen online through the app or website in minutes, with no branch visit needed.
- Premium accounts like Platinum Checking or business accounts typically require a phone call to 1-800-869-3557 or a visit to your branch.
- Check the monthly fee, minimum balance requirement, and interest rate (if any) of the account you want before you upgrade.
- Your account number and routing number stay the same when you upgrade, so you do not need to update automatic payments or direct deposits.
- If you downgrade instead of upgrade, some fees or holds on your account may be removed, but you lose any benefits tied to the higher tier.
Upgrading through the Wells Fargo app or website
Open the Wells Fargo mobile app or go to wellsfargo.com and sign in with your username and password. Navigate to your checking account and look for a link or button labeled "Account Details," "Manage Account," or "Change Account Type." The exact wording varies depending on whether you use the app or website, but it is usually in a menu under your account settings.
Click or tap that option and you should see a list of checking accounts you can switch to. Select the one you want and review the terms: monthly fee, minimum balance, interest rate, and any other features. If you agree, confirm the change. The upgrade usually takes effect immediately, and you will see the new account name and terms reflected in your account within minutes.
If you do not see an option to change your account type, or if the account you want is not listed as an option, you have hit a limitation. This usually means the account requires a phone call or branch visit to set up. Stop here and use the phone or branch method instead.
Upgrading by phone or at a Wells Fargo branch
Call Wells Fargo at 1-800-869-3557 during business hours (typically 8 a.m. to 9 p.m. Eastern, Monday through Friday, and 9 a.m. to 5 p.m. on Saturday). Have your account number and a form of ID ready. Tell the representative which account you want to upgrade to and they will walk you through the terms, confirm you meet any requirements, and process the change over the phone.
If you prefer to do it in person, visit your local Wells Fargo branch with your ID and account information. A banker can show you all available options, explain the differences, and switch your account on the spot. This is often the best choice if you have questions about fees or features, or if you want to set up additional services at the same time.
Phone upgrades usually take effect within one business day. Branch upgrades are typically instant, though it may take a few hours for the change to show up online.
What happens to your account number and automatic payments
Your account number and routing number do not change when you upgrade. This means your direct deposits, automatic bill payments, and any other recurring transfers keep working without interruption. You do not need to contact your employer, creditors, or anyone else to update your banking information.
The only thing that changes is the account type and its associated features and fees. Your balance, transaction history, and linked accounts (like savings or credit cards) remain exactly as they were.
Fees and minimum balance requirements to watch for
Different Wells Fargo checking accounts have different monthly maintenance fees and minimum balance requirements. Some accounts waive the fee if you keep a certain balance, set up direct deposit, or maintain a linked savings account. Others charge a flat fee regardless. Before you upgrade, read the fee schedule carefully.
If you upgrade to an account with a monthly fee and you do not meet the waiver conditions, you will start paying that fee on your next billing cycle. If you downgrade to a lower-tier account, the fee stops, but you also lose any perks like higher interest rates or fee waivers on other services.
Reversing an upgrade if you change your mind
If you upgrade and then decide it is not right for you, you can downgrade back to your original account or switch to a different one using the same methods: the app, the website, a phone call, or a branch visit. There is no penalty for changing your mind, and you can make the change as many times as you need.
Keep in mind that if you downgrade within a short time of upgrading, Wells Fargo may flag the pattern if it happens repeatedly. This is not a rule that will stop you, but frequent account changes can sometimes trigger a review by the bank's fraud or compliance team. If you are genuinely trying different accounts to find the right fit, you should be fine.
When you need to call or visit a branch instead
You must use the phone or branch method if you are upgrading to a business checking account, a premium account like Platinum Checking, or any account that requires proof of income or a higher minimum balance. You also need to call or visit if you want to combine your upgrade with other services, like opening a linked savings account or setting up a credit line.
If you have a frozen or restricted account, or if there is a hold on your funds, you may not be able to upgrade online. Call the number on the back of your debit card or visit a branch to resolve the issue first.
Frequently Asked Questions
Will upgrading my account affect my credit score?
No. Upgrading a checking account is not a credit event and does not appear on your credit report. Wells Fargo may do a soft inquiry to verify your identity, but this does not lower your score.
Can I upgrade if I have a negative balance or owe Wells Fargo money?
You may not be able to upgrade online if your account is overdrawn or if you have an outstanding debt to Wells Fargo. Call 1-800-869-3557 to ask whether you can upgrade, or settle the debt first and then try again.
Do I need to close my old account when I upgrade?
No. Upgrading switches your existing account to a new type; it does not close anything. Your account stays open with the same number and history.
How long does it take for an upgrade to show up online?
Online upgrades through the app or website show up immediately. Phone and branch upgrades usually appear within one business day, though sometimes it takes a few hours.
What if the account I want to upgrade to is not available in my state?
Wells Fargo's checking lineup varies slightly by state. If an account is not listed as an option for you, call 1-800-869-3557 to ask whether it is available in your area or what alternatives the bank can offer.