Documents and information you'll need before you walk in

To open a Wells Fargo checking or savings account, you need a government-issued photo ID, your Social Security number, and an initial deposit. The ID can be a driver's license, passport, state ID card, or military ID. Wells Fargo will also ask for your date of birth, current address, phone number, and email address. If you're opening the account online or by phone, you'll provide this information digitally; in a branch, you'll show the physical ID and fill out a signature card.

The initial deposit amount depends on the account type. Some Wells Fargo accounts have no minimum deposit requirement, while others ask for $25 or more to open. You can fund the account with a debit card, transfer from another bank, or cash if you're opening it in person at a branch. Wells Fargo will also run a background check through ChexSystems, a banking history database, to verify you don't have outstanding issues with another bank.

Key Takeaways

  • You must bring a government-issued photo ID and know your Social Security number to open any Wells Fargo account.
  • Wells Fargo checks your banking history through ChexSystems; if you've had fraud or unpaid overdrafts at another bank, you may be denied.
  • Most accounts require an initial deposit of $25 or more, though some have no minimum.
  • You can open an account online, by phone, or in person at a Wells Fargo branch.

Opening an account online or by phone

The fastest route is usually online through Wells Fargo's website or mobile app. You'll enter your personal information, verify your identity by uploading a photo of your ID, and link a funding source—usually a debit card or another bank account. The process takes 10 to 15 minutes, and your account opens immediately in most cases. You can start using it the same day, though transfers from other banks may take one to three business days to appear.

If you prefer to open an account by phone, call Wells Fargo's customer service line and ask to speak with an account representative. You'll provide the same information verbally, and they'll walk you through each step. Phone opening is slower than online—it can take 24 to 48 hours for the account to be fully set up—but it's useful if you have questions or need help during the process.

Opening an account in person at a branch

Walk into any Wells Fargo branch with your ID, Social Security number, and initial deposit. A banker will verify your identity, ask for your contact information, and have you sign the signature card. The account opens on the spot, and you can use your debit card immediately if you request one. If you don't want a debit card right away, you can start using the account through online banking or mobile app within a few hours.

In-person opening is useful if you want to ask questions about which account type fits your needs, set up additional services like bill pay or alerts, or if you're uncomfortable providing information online. Bring your initial deposit in cash, a check, or be ready to transfer funds from another account while you're there.

What happens if ChexSystems flags your history

Wells Fargo uses ChexSystems to check whether you've had problems at other banks—unpaid overdrafts, fraud, or accounts closed due to misuse. If ChexSystems shows a negative mark, Wells Fargo may deny your application or ask you to resolve the issue first. If you were denied, ChexSystems will send you a notice with the reason and instructions on how to dispute it if the information is wrong.

If you have a ChexSystems issue, you can request your report directly from ChexSystems to see what's listed. You have the right to dispute inaccurate information. Some Wells Fargo branches also offer second-chance checking accounts for people with banking history problems, though these accounts may have higher fees or lower spending limits. Call your local branch to ask whether they offer this option.

Age and residency requirements

You must be at least 18 years old to open a Wells Fargo account in your own name. If you're under 18, a parent or guardian can open a custodial account for you, which gives them access and control until you reach the age of majority (usually 18 or 21, depending on your state).

You don't need to be a U.S. citizen to open an account, but you do need a valid Social Security number or Individual Taxpayer Identification Number (ITIN). If you're not a U.S. resident, Wells Fargo may require additional documentation, such as a passport and proof of address. Call ahead to confirm what you'll need.

Fees and account maintenance

Wells Fargo charges a monthly maintenance fee on most accounts, though the amount varies by account type. Some accounts waive the fee if you maintain a minimum balance, set up direct deposit, or meet other conditions. Read the fee schedule for your specific account before you open it so you know what to expect.

Once your account is open, you're responsible for keeping it in good standing. That means not overdrawing your account repeatedly, keeping your contact information current, and reviewing your statements regularly. If you don't use your account for a long time, Wells Fargo may close it and send any remaining balance to your state's unclaimed property program.

Frequently Asked Questions

Can I open a Wells Fargo account if I don't have a Social Security number?

You can use an Individual Taxpayer Identification Number (ITIN) instead if you're not may be able to access for a Social Security number. You'll still need a government-issued photo ID and an initial deposit. Contact your local Wells Fargo branch to confirm they accept ITINs, as policies can vary by location.

How long does it take to open an account?

Online opening takes 10 to 15 minutes and the account is ready immediately. In-person opening at a branch is instant. Phone opening takes 24 to 48 hours. Transfers from other banks into your new account take one to three business days.

What if I was denied because of ChexSystems?

Request your ChexSystems report to see what information was used to deny you. If the information is wrong, you can dispute it with ChexSystems. You can also ask Wells Fargo whether they offer a second-chance checking account, which may have different requirements.

Do I need to open an account in person?

No. You can open online or by phone without visiting a branch. In-person opening is optional and useful only if you want to ask questions or prefer not to provide information digitally.

What's the minimum deposit to open a Wells Fargo account?

It varies by account type. Some accounts have no minimum deposit, while others require $25 or more. Check the specific account details on Wells Fargo's website or ask a banker which accounts have no minimum.