How To Open a Clear Access Banking Account?
Open a Clear Access Banking Account
Open a Clear Access Banking Account Account with Clear Access Negative balances and other fees may apply. See Wells Fargo’s Fee and Information Schedule and Deposit Account Agreement for information.
Any unpaid checks that are presented on the new Clear Access Banking account on or after the conversion date will be sent back. Returned checks may incur extra costs.
Before you switch to Clear Access Banking, you should pay off any checks you still owe or make other arrangements with the person or people you owe money to.
Rules apply. Digital wallets need NFC-enabled devices and the wallet app. Text and data charges may apply.
Main Points
- 0% APY. Wells Fargo Clear Access Banking doesn’t pay interest.
- Charges a monthly fee. This account costs $5 monthly.
- No ATM fees. Wells Fargo Clear Access Banking charges up to $2.50 for out-of-network ATM transactions.
- Bill pay. Wells Fargo Bank can pay almost every U.S. bill.
WELLS FARGO CLEAR ACCESS BANKING PROS & CONS
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People who can’t get a regular Wells Fargo account because of their credit or banking history can’t switch to another Wells Fargo account for the first year after opening a Clear Access Banking account. After a year, you may switch to any Wells Fargo checking account.
Age may no longer be used to avoid the monthly service cost after the main account owner turns 25. 12-year-olds need an adult co-owner.
Enroll in Zelle® via Wells Fargo Online® or Business Online®. Rules apply. Zelle® requires a U.S. bank account. Enrolled users’ transactions usually take minutes. Zelle® should only be used to transfer money to loved ones.
Wells Fargo and Zelle® do not provide a payment protection product. Wells Fargo smartphone users can use ZelleRequest®. Non-Zelle® users must email payment requests.
Both parties must join Zelle® via their financial institution’s online or mobile banking to send or receive money with a small company. For further information, see Wells Fargo’s Zelle® Transfer Service Addendum.
Text and data charges may apply. Wells Fargo account(s) using Zelle® may incur costs (e.g., monthly service, overdraft).
Only the Wells Fargo Mobile® app allows for mobile deposit. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposits.
Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
See the Wells Fargo Online Access Agreement and the fee disclosures for your business account for more terms, conditions, and restrictions.
Some gadgets support fingerprint login. If you save several fingerprints on your smartphone, including those of other people, they may use your fingerprint to access your Wells Fargo Mobile® app. Message and data charges may apply.
Only a few smartphones support face recognition authentication. If you have relatives who look alike, we suggest you use your login and password instead of facial recognition. Text and data charges may apply.
Disabling your card doesn’t substitute for reporting it lost or stolen. If you suspect illegal transactions, contact us immediately. Turning off your card won’t halt recurring transactions, refunds, reversals, or account credits.
Digital card numbers will also be disabled. Turning off your debit card won’t block other cards connected to your account.
Turning off a credit card turns off all connected cards. The coverage region may have an impact on availability. Text and data charges may apply.
Zero Liability reimburses you for fraudulent card purchases that are reported quickly. For details about illegal transactions, consult the Wells Fargo account agreement or the debit and ATM card terms and conditions.
Apple Inc.’s trademarks include Apple Pay, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID. Apple trademarked “Wallet.” Apple trademarks the App Store.
What features and perks does Wells Fargo Clear Access Banking offer?
This account includes the following features:
- Fraud monitoring – Wells Fargo Clear Access Banking checks transactions for possibly fraudulent behaviour, such as unexpected debit card usage or a spate of expensive purchases.
- Online Bill Pay – Paying bills online is easy.
- Mobile Banking Services – Wells Fargo Clear Access Banking provides online and mobile money management. This includes smartphone check deposits.
Google trademarks include Android, Chrome, Google Pay, Google Pixel, Google Play, and Wear OS by Google.
cell® and Zelle® are licenced from Early Warning Services, LLC.
Consumer account information is available in the Fee and Information Schedule and Deposit Account Agreement.
FDIC-insured Wells Fargo Bank, N.A.
