What Wells Fargo requires before you can open an account

Wells Fargo requires a government-issued photo ID, your Social Security number, and a current mailing address. You'll also need an initial deposit—the amount varies by account type, but many checking accounts have no minimum. You can open an account online, by phone, or in person at a branch, and the process usually takes 10 to 15 minutes.

If you don't have a photo ID yet, a passport or state driver's license works. If you don't have a Social Security number, Wells Fargo can still open an account for you using an Individual Taxpayer Identification Number (ITIN), though some account features may be limited. The mailing address can be a home address, a PO box, or even a shelter address—Wells Fargo accepts any address where mail can reach you.

Key Takeaways

  • You need a government photo ID, Social Security number or ITIN, and a current mailing address to open any Wells Fargo account.
  • Most checking and savings accounts have no minimum deposit requirement, though some premium accounts do.
  • Opening an account online takes about 10 to 15 minutes and you can start using it the same day in many cases.
  • Wells Fargo will run a ChexSystems check, which looks at your banking history with other banks—a negative history may block your application.
  • If you're under 18, you'll need a parent or guardian to co-sign and appear with you in person or online.

Documents to bring or have ready

Gather these items before you start the application, whether you're opening an account online or at a branch. Having them ready speeds up the process and prevents delays.

Photo ID: A valid driver's license, state ID card, or passport. The ID must not be expired. If you're opening an account online, you may be asked to photograph both sides of your ID or answer security questions based on information from it.

Social Security number or ITIN: Have the nine-digit number ready. If you don't have one, you can still open an account with an ITIN, which is issued by the IRS to people who file taxes but don't have a Social Security number. Wells Fargo will ask for this during the application.

Mailing address: Your current address where Wells Fargo can send statements and cards. If you've moved recently, use your new address. Wells Fargo may verify this address by sending a confirmation code to your email or phone.

How the ChexSystems check works and what can block you

Wells Fargo runs a background check through ChexSystems, a banking history database that tracks how you've handled accounts at other banks. This check looks for unpaid overdrafts, fraud, or accounts closed due to misuse. If ChexSystems finds a negative mark, Wells Fargo may deny your application.

Common reasons ChexSystems blocks an account opening include unpaid overdraft fees from another bank, a history of writing bad checks, or an account closed by the bank for suspicious activity. If you've had problems at another bank, you may still open an account at Wells Fargo, but you should be prepared to explain the situation. Some applicants are asked to pay off old overdraft balances before approval.

You can request your own ChexSystems report for free before you apply. Visit chexsystems.com and use their online form, or call 1-866-697-3329. Knowing what's in your report ahead of time lets you address issues or correct errors before Wells Fargo sees them.

Opening an account online versus in person

Wells Fargo offers both routes, and the choice depends on your comfort level and how quickly you need the account active.

Online: You can start the application on Wells Fargo's website or mobile app. You'll upload a photo of your ID, enter your Social Security number, and link a bank account for the initial deposit. The application usually completes in 10 to 15 minutes. Wells Fargo may send a verification code to your email or phone. Once approved, your account is typically active the same day, and you can use it for transfers and bill pay immediately. A debit card arrives by mail in 7 to 10 business days.

In person at a branch: Bring your ID, Social Security number, and initial deposit (cash or a check). A banker will walk you through the application, which takes about 15 minutes. You leave with a debit card the same day in most cases, though some branches may mail it instead. In-person opening is useful if you want to ask questions or if you've had banking problems and want to explain your situation directly.

Minimum deposit and account types

Wells Fargo offers several account types, and the deposit requirement varies. Most everyday checking and savings accounts have no minimum deposit—you can open with $1 or $25. Some premium accounts, like Wells Fargo Platinum Checking or high-yield savings, may require $100 to $500 to open, though these minimums change periodically.

Check Wells Fargo's current offerings on their website before you apply, because account types and requirements shift. If you're opening online, the application will show you which accounts are available and what each one requires. If you're unsure which account fits your needs, a banker in person can walk you through the options.

What happens after you open the account

Once your application is approved, your account number and routing number are issued immediately. You can use these to set up direct deposit, pay bills, or transfer money from another bank. If you opened online, you can log into your account right away through the Wells Fargo website or app.

Your debit card arrives by mail within 7 to 10 business days. Until it arrives, you can use your account for online transfers and bill pay. Checks can be ordered through your online account, usually arriving within 5 to 7 business days. Wells Fargo will also send you a welcome packet with your account details and any promotional offers tied to your account type.

If you opened the account in person, you may leave with a temporary debit card or a card issued on the spot, depending on the branch. Ask the banker before you leave so you know when you can start using your card.

If you're under 18 or don't have a Social Security number

Wells Fargo allows minors to open accounts, but a parent or legal guardian must co-sign. Both the minor and the adult must appear together, either in person at a branch or online via video verification. The adult's ID and Social Security number are also required. The account is held jointly, meaning the parent can see all transactions and withdraw funds.

If you don't have a Social Security number, you can use an ITIN instead. An ITIN is a nine-digit number issued by the IRS for tax purposes. You'll need to provide your ITIN during the application, and Wells Fargo will verify it. Some account features, like online bill pay or certain transfers, may have restrictions if you use an ITIN instead of a Social Security number, so ask Wells Fargo about any limitations when you apply.

Frequently Asked Questions

Can I open a Wells Fargo account if I've been denied before?

Yes, but the reason for the denial matters. If you were denied because of ChexSystems, check your report and address the issue—pay off old overdrafts or dispute errors. If you were denied for fraud or suspicious activity, you may need to wait or contact Wells Fargo directly to discuss your situation. Some people reapply after 6 to 12 months and are approved.

Do I need to have money in another bank account to open a Wells Fargo account?

No. You can fund your initial deposit with cash in person at a branch, or with a check from any bank. If you're opening online, you can link a bank account from another bank to transfer the deposit, but it's not required—you can mail a check or visit a branch instead.

How long does it take to open an account online?

The application itself takes 10 to 15 minutes. Approval usually happens within a few minutes to a few hours. Your account is typically active the same day, though Wells Fargo may place a hold on your deposit for 1 to 3 business days depending on how you funded it.

What if I don't have a current address?

Wells Fargo accepts a shelter address, a PO box, or a friend's address where mail can reach you. You'll need to update your address once you have a permanent one. Call Wells Fargo or log into your account online to change your address anytime.

Can I open multiple accounts at Wells Fargo?

Yes. You can open a checking account, a savings account, and other products at the same time or later. Each account has its own number and can be used for different purposes. There's no limit to how many accounts you can hold, though Wells Fargo may review accounts that show unusual activity.